Life-and-Accident-and-Health-or-Sickness-Producer-Combo 試験問題を無料オンラインアクセス

The purchaser of a deferred annuity normally intends that the income benefits will begin:

• A.On a specified date often years after issuance
• B.Upon the death of the annuitant
• C.Upon request of the designated beneficiary
• D.Within several weeks after the annuity is purchased

When a producer engages in unfair practices, all of the following are true EXCEPT:

• A.The Maryland Insurance Administration can issue a cease and desist order
• B.The Maryland Insurance Administration can suspend the producer's license
• C.The Maryland Insurance Administration can investigate the problem and hold a hearing
• D.The Maryland Insurance Administration's decision is final

A life insurance policy beneficiary ' s life expectancy has a direct bearing upon:

• A.The taxable portion of each benefit payment under a life income settlement option
• B.The policy value that will be includable in the insured ' s estate
• C.The premium rate for each $1,000 of face amount
• D.The total amount payable under the policy as a result of the insured ' s death

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

• A.An available deferred annuity
• B.A universal life insurance policy
• C.A flexible premium fixed annuity
• D.An adjustable whole life insurance policy

The nonforfeiture option which permits a policyowner to purchase the same type of policy with the net cash value is the:

• A.Extended term insurance option
• B.Loan value option
• C.Endowment value option
• D.Reduced paid-up insurance option