XCEL CHAPTER 11 - LAWS AND RULES
EXAM 2025 QUESTIONS AND ANSWERS
In Maryland, an insurance producer cannot sell, solicit, or negotiate policies for an insurer
unless there is an agreement in place between the producer and insurer. This agreement is
called a(n) - ANS appointment
what kind of insurance provides coverage for one or more necessary or appropriate diagnostic,
preventive, therapeutic, rehabilitative, maintenance, or personal care services in a setting order
than an acute care unit of a hospital? - ANS long-term care
Twisting is - ANS the unfair trade practice of replacing an insurance policy from one insurer
to another based on misrepresentation.
All of these activities require an individual to hold a producer's license EXCEPT -
ANS providing referrals
An insurance producer is BEST defined as - ANS a person who has a contract with an
insurance company to represent it
Proceeds payable under a life insurance contract to a policyowner in anticipation of death or
upon the occurrence of specified life-threatening conditions as defined by the policy are best
described as - ANS accelerated benefits
1 @COPYRIGHT THEBRIGHT 2025/2026
, which of the following life events would allow an uninsured employee to qualify for special
enrollment in a small employer health benefit plan? - ANS Adoption of a child
Who is required to notify the producer in the event of appointment termination? -
ANS Insurer
All of these may be an unfair claims practice EXCEPT - ANS Refusing to pay persons bringing
false or fraudulent claims
An example of misrepresentation is - ANS providing incorrect, misleading, incomplete, or
materially untrue information in the license application
All of the following are typically included in a life insurance policy illustration EXCEPT -
ANS Names of the beneficiaries
Which license is REQUIRED in order to solicit Long Term Care insurance in the State of
Maryland? - ANS Health Insurance Producer License
At minimum, a carrier is required to offer which of the following health benefit plans to small
employers? - ANS The standard plan
A producer's renewal date for his/her resident insurance license is on or before - ANS the
last day of the licensee's birth month
A domestic insurance company in Maryland MUST - ANS be formed under Maryland
insurance laws
Which of the following is required for an insurer to conduct business in this state? -
ANS Certificate of Authority
2 @COPYRIGHT THEBRIGHT 2025/2026
EXAM 2025 QUESTIONS AND ANSWERS
In Maryland, an insurance producer cannot sell, solicit, or negotiate policies for an insurer
unless there is an agreement in place between the producer and insurer. This agreement is
called a(n) - ANS appointment
what kind of insurance provides coverage for one or more necessary or appropriate diagnostic,
preventive, therapeutic, rehabilitative, maintenance, or personal care services in a setting order
than an acute care unit of a hospital? - ANS long-term care
Twisting is - ANS the unfair trade practice of replacing an insurance policy from one insurer
to another based on misrepresentation.
All of these activities require an individual to hold a producer's license EXCEPT -
ANS providing referrals
An insurance producer is BEST defined as - ANS a person who has a contract with an
insurance company to represent it
Proceeds payable under a life insurance contract to a policyowner in anticipation of death or
upon the occurrence of specified life-threatening conditions as defined by the policy are best
described as - ANS accelerated benefits
1 @COPYRIGHT THEBRIGHT 2025/2026
, which of the following life events would allow an uninsured employee to qualify for special
enrollment in a small employer health benefit plan? - ANS Adoption of a child
Who is required to notify the producer in the event of appointment termination? -
ANS Insurer
All of these may be an unfair claims practice EXCEPT - ANS Refusing to pay persons bringing
false or fraudulent claims
An example of misrepresentation is - ANS providing incorrect, misleading, incomplete, or
materially untrue information in the license application
All of the following are typically included in a life insurance policy illustration EXCEPT -
ANS Names of the beneficiaries
Which license is REQUIRED in order to solicit Long Term Care insurance in the State of
Maryland? - ANS Health Insurance Producer License
At minimum, a carrier is required to offer which of the following health benefit plans to small
employers? - ANS The standard plan
A producer's renewal date for his/her resident insurance license is on or before - ANS the
last day of the licensee's birth month
A domestic insurance company in Maryland MUST - ANS be formed under Maryland
insurance laws
Which of the following is required for an insurer to conduct business in this state? -
ANS Certificate of Authority
2 @COPYRIGHT THEBRIGHT 2025/2026
