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最新的 Maryland Insurance Life-Producer 免費考試真題:

1. A valid contract requires all of the following EXCEPT:

A) Competent parties
B) Consideration
C) Offer and acceptance
D) Written evidence

2. A producer is prohibited from:

A) Allowing an applicant to sign a blank or incomplete application
B) Splitting commissions with a licensed nonresident producer who has jointly sold a policy
C) Countersigning a policy sold in Maryland
D) Selling insurance to family members

3. An applicant for life insurance must be informed that testing for Human Immunodeficiency Virus (HIV) infection is used to help determine:

A) Whether an insurable interest exists
B) The insurability of the proposed insured
C) The type of policy that will be issued
D) The effective date and term of coverage

4. Which contract offers flexible deposits, deferred taxation, a guaranteed minimum interest rate, and death proceeds equal to the cash value?

A) Available deferred annuity
B) A flexible premium fixed annuity
C) An adjustable whole life insurance policy
D) A universal life insurance policy

5. Which of the following statements about cash values in whole life insurance policies is true?

A) They typically increase until age 65 and remain level thereafter.
B) They result from the level premium concept.
C) They cannot be guaranteed.
D) They equal the policy face value at age 65.

問題與答案：