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Real Maryland Insurance Administration Life-Producer practice exam questions for easy pass!
Updated: Jul 02, 2026
No. of Questions: 85 Questions & Answers with Testing Engine
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Maryland Insurance Administration Maryland Life Producer Exam (Series 20-27) Sample Questions:
1. How long will income benefit payments continue under a life annuity with ten years certain?
A) Only until the annuitant dies, regardless of when death occurs
B) Only for ten years, regardless of how long the annuitant lives
C) Until the annuitant dies, and for an additional ten years
D) Until the annuitant dies, or for ten years, whichever is longer
2. Which of the following reinforces the rule that ambiguities in insurance contracts should be interpreted in favor of the policyholder?
A) Representation
B) Retention
C) Retrocession
D) Reasonable expectations
3. An existing life insurance policy is sold by the policyowner to help finance the cost of a terminal illness. This is an example of:
A) A viatical settlement
B) A survivorship policy
C) A nonforfeiture option
D) An accelerated death benefit
4. Which contract offers flexible deposits, deferred taxation, a guaranteed minimum interest rate, and death proceeds equal to the cash value?
A) An available deferred annuity
B) A flexible premium fixed annuity
C) A universal life insurance policy
D) An adjustable whole life insurance policy
5. One factor in premium determination is the expenses of the:
A) Policy beneficiary
B) Producer
C) Insurer
D) Policy owner
Solutions:
| Question # 1 Answer: D | Question # 2 Answer: D | Question # 3 Answer: A | Question # 4 Answer: B | Question # 5 Answer: C |
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