Life-Producer在線題庫，Life-Producer參考資料

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有效的Life-Producer在線題庫和資格考試的領導者和有口皆碑的Life-Producer：Maryland Life Producer Exam (Series 20-27)

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最新的 Maryland Insurance Life-Producer 免費考試真題 (Q59-Q64):

問題 #59
Which contract offers flexible deposits, deferred taxation, a guaranteed minimum interest rate, and death proceeds equal to the cash value?

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

答案：D

解題說明：
Comprehensive and Detailed Step by Step Explanation:Aflexible premium fixed annuityallows policyholders to make varying contributions while offering tax-deferred growth and a guaranteed minimum interest rate.
* Flexible premium fixed annuity (C):Correct. Combines flexible payments with guaranteed returns and death proceeds equal to cash value.
* Adjustable whole life (A):Involves fixed payments and lacks tax-deferred features.
* Available deferred annuity (B):Vague and not specifically tied to these features.
* Universal life (D):Provides death benefits but lacks guaranteed minimum interest rates.
References:Maryland Annuity Regulations, COMAR 31.09.08, and Fixed Annuity Product Guidelines.

問題 #60
Which contract offers flexible deposits, deferred taxation, a guaranteed minimum interest rate, and death proceeds equal to the cash value?

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

答案：D

解題說明：
Comprehensive and Detailed Step by Step Explanation:Aflexible premium fixed annuityis designed to allow policyholders flexibility in premium payments while providing guaranteed growth.
* Flexible deposits:Policyholders can make variable contributions based on their financial situation.
* Deferred taxation:Earnings grow tax-deferred until withdrawal.
* Guaranteed minimum interest rate:Fixed annuities offer this feature to protect against market downturns.
* Death proceeds equal to cash value:Upon death, beneficiaries typically receive the accumulated cash value.
Other Options:
* Adjustable whole life policy (A):Features adjustable premiums but lacks deferred taxation and guaranteed rates.
* Deferred annuity (B):Generic and does not specify the features of fixed annuities.
* Universal life (D):Provides more flexibility but differs in guaranteed returns.
References:Maryland Annuity Guidelines, COMAR 31.09.08, and Tax-Deferred Financial Product Regulations.

問題 #61
An insurer may refuse to underwrite a particular insurance applicant for a reason based wholly on:

A. Race
B. Medical condition
C. Creed
D. Gender

答案：B

解題說明：
Comprehensive and Detailed Step by Step Explanation:Maryland law allows insurers to considermedical conditions (A)as part of the underwriting process, provided it is done fairly and within legal boundaries.
* Race (B), Gender (C), and Creed (D):Discrimination based on these factors is strictly prohibited under Maryland's anti-discrimination laws and the Unfair Trade Practices Act.
Insurers must comply with state and federal regulations, ensuring underwriting decisions are based on actuarially justified factors, such as health and lifestyle, rather than prohibited discriminatory criteria.
References:Maryland Insurance Article §27-501, Anti-Discrimination Guidelines, and COMAR 31.15.03.

問題 #62
The free-look period provided in a life insurance policy is usually:

A. 10 days
B. 45 days
C. 31 days
D. 60 days

答案：A

解題說明：
Comprehensive and Detailed Step by Step Explanation:Thefree-look periodis a consumer protection mechanism allowing policyholders to cancel a policy within a specific period for a full refund.
* 10 days (A):Maryland law requires a minimum free-look period of 10 days for life insurance policies, allowing buyers to review the policy without financial obligation.
* 31 days (B), 45 days (C), and 60 days (D):These exceed Maryland's statutory minimum and are not standard requirements unless specifically offered by the insurer.
References:Maryland Free-Look Provisions, COMAR 31.09.09, and Maryland Consumer Protection Act.

問題 #63
Which amount may be deposited into a rollover individual retirement account (IRA) for the purpose of deferring income taxes?

A. The amount paid to the spouse of a deceased annuitant under a tax-sheltered annuity
B. The proceeds of a life insurance policy paid to a beneficiary under age 70-1/2
C. The value of an IRA established by the beneficiary's deceased parent
D. The refund received by the beneficiary under a refund life annuity

答案：A

解題說明：
Comprehensive and Detailed Step by Step Explanation:
A rollover IRA is used to defer taxes on qualifying distributions.
Proceeds from a life insurance policy (A) are generally not eligible for tax-deferred treatment.
Refunds from a refund life annuity (B) are considered taxable income and not eligible for rollover.
Amounts paid to a spouse under a tax-sheltered annuity (C) qualify for rollover treatment because they meet IRS rollover rules for deferred taxation.
IRAs inherited from parents (D) follow different tax rules and cannot be directly rolled over into a new IRA.
References: IRS Publication 590-B and Maryland Retirement Account Regulations.

問題 #64
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