Maryland Laws and Rules Practice Exam

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• What is the maximum fixed rate of interest that a life insurance policy can charge?
• What are the penalties for assault in Maryland?
• What must a producer do to ensure compliance with Maryland insurance laws?
• Interest on death benefits are not required to be paid by an insurance company if proceeds are paid within how many days after the death of the insured?
• What must each delivered life insurance policy in Maryland include on its first page?
• What must producers do to maintain their licenses?
• What action can a landlord take if a tenant fails to pay rent in Maryland?
• What consequence does a producer face for submitting a fraudulent claim?
• What are the "protected classes" under Maryland fair housing laws?
• What is an example of fraud in the context of insurance claims?
• What is a common requirement for obtaining a learner's permit in Maryland?
• What is the primary purpose of the Maryland Department of Health?
• What is the minimum price limit for selling tobacco products in Maryland?
• How can child support orders be enforced in Maryland?
• What might happen if a producer fails to adhere to state regulations regarding fraudulent claims?
• What is the purpose of the Life and Health Guaranty Corporation?
• What is required for a small estate affidavit to be valid in Maryland?
• What is a "no-contact" order in Maryland?
• What is the medical marijuana possession limit under Maryland law?
• A producer who is licensed in Maryland but resides in another state is known as?
• A producer may begin to solicit insurance only when they are?
• What is the contestability period in Maryland for life insurance policies?
• What type of information is permissible to include in an advertisement for an insurance product?
• In Maryland, if an insurance policy is contested, how long does the insurer typically have to dispute it after its issuance?
• What is a Viatical Settlement Broker prohibited from doing?
• In the context of group life insurance, which of the following would qualify as a "dependent child"?
• Which of the following is covered under restorative dental treatment?
• What constitutes domestic violence under Maryland law?
• What documentation is needed to support a life insurance policy replacement?
• Under what condition can a producer's license be suspended or revoked?
• Which of the following actions is NOT a requirement for life insurance policies in Maryland?
• In Maryland, what is the consequence of selling alcohol without a license?
• Where should individual long-term care insurance policies include a renewability provision?
• At the insurer's discretion, a separate converted policy may be issued to cover which of the following?
• Which action by a producer would NOT lead to the suspension or revocation of their license?
• Which of the following is considered a type of assault in Maryland?
• What type of records must a producer maintain?
• In which situation is a producer license not necessary?
• What risks do tobacco sellers face if they violate selling price limits in Maryland?
• What is the general process for obtaining a driver's license in Maryland?
• What does a group life insurance policy typically cover?
• How does Maryland define 'libel'?
• What is the main purpose of the Maryland Consumer Protection Act?
• How long is the term for a Maryland insurance commissioner?
• An issuer may not issue which type of contract?
• In Maryland, who regulates and oversees the insurance industry?
• What is a key requirement for a producer to perform their duties?
• What crime is committed when someone knowingly makes a false statement under oath in Maryland?
• In Maryland, what is justified as a reason for eviction?
• Which of the following is NOT a reason for the Commissioner to deny a producer license application?
• Under what condition can two producers share commissions?
• Who is eligible for insurance under a group policy provided to a labor union?
• Which of the following is NOT found in a life insurance buyer's guide?
• What can tenants do if their landlords do not make timely repairs?
• What is the maximum penalty for a first-degree misdemeanor in Maryland?
• Which of the following is required in a policy illustration showing non-guaranteed values?
• Which of the following factors is NOT considered when determining child custody in Maryland?
• What specific information is NOT required to be included in a buyer's guide?
• As of 2023, what is the minimum wage in Maryland?
• What happens to John's insurance license if he applies for renewal before it expires?
• What is one of the roles of the Commissioner in relation to insurance?
• What are the consequences for failing to report child abuse in Maryland?
• What must a producer provide to the applicant when replacing an ordinary life insurance policy?
• What are the penalties for violating Maryland's texting while driving laws?
• In Maryland's eviction laws, how is a "family member" defined?
• What is the primary purpose of the Maryland state constitution?
• Which of the following best describes the Maryland Department of Health's role?
• What requirement must be met for a child to be eligible for a Maryland medical assistance program?
• What is the process for a child to legally change their last name in Maryland?
• The act of using misrepresentation to induce an insured to terminate a policy is called?
• In Maryland, which of the following individuals is responsible for ensuring insurance compliance?
• A Maryland insurance producer represents whom in the event of a controversy between the insured and the company?
• Under Maryland law, what is the maximum period for an adult to be held under Preventive Detention?
• Which of the following is NOT considered an act of fraud?
• Which entity in Maryland oversees the enforcement of workers' compensation laws?
• What is the purpose of the Maryland Security Deposit Law?
• What does Maryland law require regarding parental rights in adoption cases?
• Under Maryland law, how much notice must an insurance policy provide about the loss for which the benefit is payable?
• What does Maryland require from individuals who want to adopt a child?
• In Maryland, a full-time employee of a small employer must work an average of at least how many hours per week?
• What is the requirement for a valid marriage license in Maryland?
• If an insurance producer pays the first monthly premium for an insurance applicant, this is referred to as?
• A life insurance policyowner is allowed how many days upon policy delivery to return the policy for a full premium refund?
• How many days notice must the commissioner give prior to a hearing?
• How does the Maryland insurance commissioner impact insurance products offered in the state?
• What does the Maryland law state about minors involved in adoption?
• What type of insurance is mandatory for car owners in Maryland?
• What does Maryland law state about the use of seat belts?
• What type of premium must be charged by an insurer?
• What are the grounds for eviction in Maryland?
• How many days does an insurance producer have to provide an applicant with the Notice Regarding Replacement of Life Insurance?
• Which statement about the contestability of a life insurance policy is true?
• What is considered a “serious offense” when applying for certain professional licenses in Maryland?
• What is the maximum penalty for an adult who violates the lead paint disclosure requirement in Maryland?
• What requirement is tied to the issuance of life insurance policies in Maryland?
• What is a primary focus of Maryland assault laws?
• What is an insurer formed according to the legal requirements of another country called?
• Violations of US Code Title 18 section 1033 may result in which of the following consequences?
• What is the maximum speed limit on most Maryland highways?
• What is the minimum actuarial value that must be included in a delivered life insurance policy in Maryland?
• How long must a person reside in Maryland to file for divorce?
• What is the standard grace period for a life insurance policy sold in Maryland?
• In Maryland, what is the requirement for disclosing known lead paint hazards?
• An employer may qualify for health care tax credits through SHOP Marketplace if the employer has fewer than how many employees?
• What are the requirements for driving with a learner's permit in Maryland?
• An insured is required to provide written proof of loss to an insurer within how many days after the date of loss?
• Which of the following is a producer's fiduciary responsibility?
• In Maryland, what is the agreement called that allows an insurance producer to sell, solicit, or negotiate policies for an insurer?
• What is the process for appealing court decisions in Maryland?
• What must be approved by the Commissioner regarding a buyer's guide?
• When can a policyholder resume premium payments according to a policy illustration?
• What is the Maryland statute for protective orders in cases of domestic violence?
• What does "intent to kill" imply in the context of Maryland's criminal law?
• What defines a "no-fault" divorce in Maryland?
• How long is the minimum grace period for accidental death insurance policies sold in Maryland?
• What is required for an adult to become a guardian of a minor in Maryland?
• In the context of a policy illustration, what is a key consumer protection measure?
• Which of the following is true regarding the role of the Commissioner?
• Who can initiate a name change for a minor under Maryland law?
• What must landlords provide to tenants when a property has been found to contain lead paint hazards?
• Which document governs real estate transactions in Maryland?
• What is required for a valid last will and testament in Maryland?
• For how many years must a producer maintain insurance transaction records?
• What is considered a small employer in Maryland?
• What is the legal blood alcohol concentration (BAC) limit for drivers in Maryland?
• Which of the following is an example of rebating?
• What should a tenant do if their landlord fails to respond to repair requests?
• What does the Maryland estate tax threshold represent?
• What must be included in a will according to Maryland law?
• After submitting written proof of loss, how many days must an insured wait before taking legal action against a health insurer?
• What is the consequence of a producer misrepresenting benefits or features of a policy?
• If a health benefit plan is replaced, who must be eligible for the federal tax credit through the SHOP Exchange?
• For life insurance policies, what must producers disclose to clients?
• What is the fiduciary responsibility of a producer?
• Within how many days is a producer required to report administrative actions to the commissioner?
• Who has the right to renew a small employer health plan?
• What happens if a life insurance policy is returned within 30 days?
• To fund the Life and Health Guaranty Corporation, how does the Board of Directors raise necessary funds?
• Which of the following is NOT considered an unfair claims settlement practice?
• What is the frequency at which the commissioner must examine each domestic insurance company?
• What is the licensing period for a producer's license?
• What is the penalty for possession of a controlled substance in Maryland?
• Which of the following is NOT a requirement for soliciting insurance in Maryland?
• What does licensing ensure for Viatical Settlement Brokers?
• What is the main purpose of the Maryland Consumer Protection Act?
• What is required on the first page of a life insurance policy in Maryland?
• What is generally not allowed in Maryland concerning the sale of alcoholic beverages?
• What is the Maryland law regarding the hours of sale for alcoholic beverages?
• Which of the following is NOT required in an order from the Commissioner?
• In Maryland, who is responsible for enforcing the insurance code?
• What is an order issued by the commissioner that prohibits a specific practice listed in the order called?
• When can an adult apply for guardianship over a minor?
• What does the Maryland Workers' Compensation Act provide?
• What is the primary role of the Maryland State Ethics Commission?
• What is the right-to-examine period in Maryland for long-term care policies?
• What is required for a contract for the sale of real estate to be enforceable in Maryland?
• Under Maryland law, when can a tenant legally withhold rent?
• Which of the following is an example of an unfair claims settlement practice?
• How long can an insurance company contest a health insurance policy?
• What does long-term care insurance provide?
• What is required for a producer's license to be reinstated after suspension?
• Which of the following is NOT considered rebating in Maryland insurance law?
• What does the Maryland Higher Education Commission oversee?
• What does a producer need in order to share a commission with another producer?
• What is the penalty for driving on a suspended license in Maryland?
• What is the minimum age to obtain a learner's permit in Maryland?
• What is required for a small employer to replace their existing health benefit plan with a SHOP Exchange Navigator?
• When must a buyer's guide and policy summary be delivered?
• How many days does a policyowner have to return a life insurance replacement for a full refund after delivery?
• When a producer is replacing an existing ordinary life insurance policy, which of the following actions is NOT required?
• Which of the following conditions could lead to the denial of a producer license application?
• What is the purpose of the actuarial table in a life insurance policy?
• Which of the following is NOT considered an eligible dependent on an Accident and Health policy?
• How many continuing education credits must producers complete for each two-year licensing period?
• What is the statute of limitations for personal injury claims in Maryland?
• What type of tort liability exists in Maryland for defamation?
• A life insurance policyowner is allowed to return the policy for a full premium refund within how many days of policy delivery?
• What is the legal age at which a person can consent to adoption in Maryland?
• Who is responsible for prosecution in case of violation of US Code 1033?
• What is the age of majority in Maryland?
• How often must producers report administrative actions to the Commissioner?
• Which factor is crucial for two producers to share commissions legally?
• What is necessary to obtain a protective order in Maryland?
• Replacing an existing life insurance policy with a new one may result in?
• What is the minimum duration of time after which a health insurance policy cannot be contested?
• Which of the following statements is required in advertisements that mention a dollar amount or policy benefits?
• What is the contestable period for a life insurance policy in Maryland?
• What must a policy illustration disclose if it shows premiums being paid from non-guaranteed values?
• What requirement exists for serving alcohol at private events in Maryland?
• Which agency provides the final opportunity for a life insurance applicant to reconsider their decision to purchase a policy?
• Which agency governs the practice of law in Maryland?
• An insurance producer has fiduciary responsibilities to all of the following entities EXCEPT?
• Under which law can consumers report unfair business practices in Maryland?
• Which situation is NOT a valid reason for a Viatical Settlement Broker's license cancellation?
• What does the term "alien insurer" imply?