MARYLAND STATE EXAM LIFE
INSURANCE LICENSE PRACTICE EXAM
2025 QUESTIONS AND ANSWERS
Declarations - ANS In what part of an insurance policy or policy benefits found?
Twisting - ANS 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? - ANS Nothing
Which of these factors would and ensure consider when determining whether to except a
group life plan - ANS Average age
Which type of life insurance is normally associated with a paler benefit rider - ANS Juvenile
insurance
Which of the following is not considered advertising? - ANS Oh rating from A rating service
company such as a.m. best
During the accumulation. Who can surrender an annuity - ANS Policy owner
Fixed period Settlement options are considered to be a form of a - ANS Annuity
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, Which of the following is not information found in a life insurance buyers guide - ANS How to
take legal action against a insurance company
All of the following characteristics of a group life insurance plan except - ANS Individual
underwriting
A securities license is required for a life insurance producer to sell - ANS Variable life
insurance
Which of the following is present when an applicant stands to lose value if the insured dies -
ANS Insurable interest
What may be the result of replacing an existing life insurance policy with a new one -
ANS Surrender charge
Signatures for an insurance application must be obtained by the producer from all the following
sources except - ANS The policy owner
Maria the insurance producer completes a sale by collecting the required signatures on the
application and obtaining the initial premium afterward she Deposits the check into our
personal checking account or he is committed to what crime - ANS Fraud
Jonas is a whole life insurance policy owner and would like to add coverage for his two children
which of the following products would allow him to accomplish this - ANS Child term rider
Interest on death benefits are not required to be paid by the insurance company as long as
proceeds are paid within 30 days after the date of the death of the insured - ANS
2 Copyright ©2025 BRAINBARTER ALL RIGHTS RESERVED
INSURANCE LICENSE PRACTICE EXAM
2025 QUESTIONS AND ANSWERS
Declarations - ANS In what part of an insurance policy or policy benefits found?
Twisting - ANS 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? - ANS Nothing
Which of these factors would and ensure consider when determining whether to except a
group life plan - ANS Average age
Which type of life insurance is normally associated with a paler benefit rider - ANS Juvenile
insurance
Which of the following is not considered advertising? - ANS Oh rating from A rating service
company such as a.m. best
During the accumulation. Who can surrender an annuity - ANS Policy owner
Fixed period Settlement options are considered to be a form of a - ANS Annuity
1 Copyright ©2025 BRAINBARTER ALL RIGHTS RESERVED
, Which of the following is not information found in a life insurance buyers guide - ANS How to
take legal action against a insurance company
All of the following characteristics of a group life insurance plan except - ANS Individual
underwriting
A securities license is required for a life insurance producer to sell - ANS Variable life
insurance
Which of the following is present when an applicant stands to lose value if the insured dies -
ANS Insurable interest
What may be the result of replacing an existing life insurance policy with a new one -
ANS Surrender charge
Signatures for an insurance application must be obtained by the producer from all the following
sources except - ANS The policy owner
Maria the insurance producer completes a sale by collecting the required signatures on the
application and obtaining the initial premium afterward she Deposits the check into our
personal checking account or he is committed to what crime - ANS Fraud
Jonas is a whole life insurance policy owner and would like to add coverage for his two children
which of the following products would allow him to accomplish this - ANS Child term rider
Interest on death benefits are not required to be paid by the insurance company as long as
proceeds are paid within 30 days after the date of the death of the insured - ANS
2 Copyright ©2025 BRAINBARTER ALL RIGHTS RESERVED
