Which of the following actions is NOT a requirement for life insurance policies in Maryland?

In Maryland, life insurance policies are subject to specific legal requirements designed to protect consumers and ensure transparency in the insurance process. The inclusion of a notary seal is not one of those requirements.

Life insurance policies must adhere to guidelines that include clear, understandable descriptions of the policies provided to policyholders, enabling them to comprehend the terms, conditions, and benefits of the insurance. Having a comprehensive underwriting manual is important for insurers to maintain consistent standards and processes for underwriting and policy issuance. Additionally, including an actuarial table, which helps to explain the calculations behind the premiums and benefits, is a common practice to aid policyholders in understanding how their premiums are derived.

In contrast, requiring a notary seal is not part of the mandatory elements for life insurance policies in Maryland, making it the correct choice for the question asked.