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MARYLAND STATE EXAM LIFE
INSURANCE LICENSE PRACTICE
QUESTIONS AND ANSWERS 2025
Declarations - correct answer- In what part of an insurance
policy or policy benefits found?
Twisting - correct 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? - correct answer- Nothing
Which of these factors would and ensure consider when
determining whether to except a group life plan - correct
answer- Average age
Which type of life insurance is normally associated with a paler
benefit rider - correct answer- Juvenile insurance
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Which of the following is not considered advertising? - correct
answer- Oh rating from A rating service company such as a.m.
best
During the accumulation. Who can surrender an annuity -
correct answer- Policy owner
Fixed period Settlement options are considered to be a form of
a - correct answer- Annuity
Which of the following is not information found in a life
insurance buyers guide - correct answer- How to take legal
action against a insurance company
All of the following characteristics of a group life insurance plan
except - correct answer- Individual underwriting
A securities license is required for a life insurance producer to
sell - correct answer- Variable life insurance
MARYLAND STATE EXAM LIFE
INSURANCE LICENSE PRACTICE
QUESTIONS AND ANSWERS 2025
Declarations - correct answer- In what part of an insurance
policy or policy benefits found?
Twisting - correct 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? - correct answer- Nothing
Which of these factors would and ensure consider when
determining whether to except a group life plan - correct
answer- Average age
Which type of life insurance is normally associated with a paler
benefit rider - correct answer- Juvenile insurance
, 2 | Page
Which of the following is not considered advertising? - correct
answer- Oh rating from A rating service company such as a.m.
best
During the accumulation. Who can surrender an annuity -
correct answer- Policy owner
Fixed period Settlement options are considered to be a form of
a - correct answer- Annuity
Which of the following is not information found in a life
insurance buyers guide - correct answer- How to take legal
action against a insurance company
All of the following characteristics of a group life insurance plan
except - correct answer- Individual underwriting
A securities license is required for a life insurance producer to
sell - correct answer- Variable life insurance
