Maryland State Exam Life Insurance
License Practice 2024/2025 Exam
Questions and Answers | 100% Solved
Declarations - 🧠ANSWER ✔✔In what part of an insurance policy or policy
benefits found?
Twisting - 🧠ANSWER ✔✔The act of using misrepresentation to induce an
insured person to terminate an existing policy and purchase a new policy is
referred to as
Shirley has $500,000 10-year-old son nonrenewable level term life policy. If
she dies 15 years after the policy inception date, how will her beneficiary
receive? - 🧠ANSWER ✔✔Nothing
Which of these factors would and ensure consider when determining
whether to except a group life plan - 🧠ANSWER ✔✔Average age
Which type of life insurance is normally associated with a paler benefit rider
- 🧠ANSWER ✔✔Juvenile insurance
1
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, Which of the following is not considered advertising? - 🧠ANSWER ✔✔Oh
rating from A rating service company such as a.m. best
During the accumulation. Who can surrender an annuity - 🧠ANSWER
✔✔Policy owner
Fixed period Settlement options are considered to be a form of a -
🧠ANSWER ✔✔Annuity
Which of the following is not information found in a life insurance buyers
guide - 🧠ANSWER ✔✔How to take legal action against a insurance
company
All of the following characteristics of a group life insurance plan except -
🧠ANSWER ✔✔Individual underwriting
A securities license is required for a life insurance producer to sell -
🧠ANSWER ✔✔Variable life insurance
Which of the following is present when an applicant stands to lose value if
the insured dies - 🧠ANSWER ✔✔Insurable interest
What may be the result of replacing an existing life insurance policy with a
new one - 🧠ANSWER ✔✔Surrender charge
2
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
License Practice 2024/2025 Exam
Questions and Answers | 100% Solved
Declarations - 🧠ANSWER ✔✔In what part of an insurance policy or policy
benefits found?
Twisting - 🧠ANSWER ✔✔The act of using misrepresentation to induce an
insured person to terminate an existing policy and purchase a new policy is
referred to as
Shirley has $500,000 10-year-old son nonrenewable level term life policy. If
she dies 15 years after the policy inception date, how will her beneficiary
receive? - 🧠ANSWER ✔✔Nothing
Which of these factors would and ensure consider when determining
whether to except a group life plan - 🧠ANSWER ✔✔Average age
Which type of life insurance is normally associated with a paler benefit rider
- 🧠ANSWER ✔✔Juvenile insurance
1
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, Which of the following is not considered advertising? - 🧠ANSWER ✔✔Oh
rating from A rating service company such as a.m. best
During the accumulation. Who can surrender an annuity - 🧠ANSWER
✔✔Policy owner
Fixed period Settlement options are considered to be a form of a -
🧠ANSWER ✔✔Annuity
Which of the following is not information found in a life insurance buyers
guide - 🧠ANSWER ✔✔How to take legal action against a insurance
company
All of the following characteristics of a group life insurance plan except -
🧠ANSWER ✔✔Individual underwriting
A securities license is required for a life insurance producer to sell -
🧠ANSWER ✔✔Variable life insurance
Which of the following is present when an applicant stands to lose value if
the insured dies - 🧠ANSWER ✔✔Insurable interest
What may be the result of replacing an existing life insurance policy with a
new one - 🧠ANSWER ✔✔Surrender charge
2
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
