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Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?
The needs approach to personal life insurance planning includes the creation of an emergency reserve fund. This fund is designed primarily to:
If an insurer knowingly fails to enforce a policy provision on one occasion, the insurer may be prevented from enforcing it on a subsequent occasion by the principle of:
An insurer may refuse to underwrite a particular insurance applicant for a reason based wholly on:
An insurance producer who conducts business under an assumed or fictitious name must:
An individual life insurance policy may include coverage for all of the following EXCEPT:
Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?
The purpose of the Life and Health Insurance Guaranty Corporation is to guarantee:
A universal life insurance policy can be described most accurately as a combination of:
The annual addition to an employee's account in a qualified retirement plan:
A licensee must report each of the following to the Maryland Insurance Administration EXCEPT:
To determine whether unfair trade practices have been violated, who has the power to examine an insurer's books and records?
The life insurance buyer's guide includes information about all of the following EXCEPT how to:
How many days does a former employee have to convert a group term policy to an individual policy after employment is terminated?
In surrendering a life insurance contract for its cash value, the total of premiums paid less the total of any dividends received in cash or used to offset premiums is:
If, after submitting an application, a producer becomes aware of a material fact that may affect the underwriting decision, the producer's ethical responsibility requires that the producer:
TESTED 14 Sep 2025