An insurable interest exists when the policyholder benefits more from the insured's life than their death.
Benefiting from the other person's continued life (C): Correct. This applies to relationships where there is a legal, financial, or familial dependence.
Gaining economically by the death of the other person (A): Mischaracterizes insurable interest; financial gain from death without a legitimate relationship is unethical and illegal.
Continuing on good terms (B) and seeing the person survive (D): Do not constitute insurable interest under Maryland law.
References: Maryland Insurance Article §12-201, Insurable Interest Guidelines, and COMAR 31.09.03.

Accelerated benefits allow a policyholder to receive a portion of the death benefit early, often due to terminal illness or specific qualifying conditions:
Decreases the death benefit (D): The accelerated amount reduces the death benefit available to beneficiaries.
Increases the cash value (A): Incorrect; accelerated benefits are drawn from the policy, reducing cash value and death benefits.
Increases the policy premium (B): Premiums generally remain unchanged.
Decreases the grace period (C): Not affected by accelerated benefits.
References: Maryland Accelerated Benefit Provisions, COMAR 31.09.04, and IRS Tax Treatment of Accelerated Death Benefits.

Individual life insurance policies often allow riders or supplementary coverage options, but they do not cover workers ' compensation, which is a separate insurance category.
Disability (A): Can be included as a rider, such as a waiver of premium or disability income benefit.
Long-term care (B): Often available as an optional rider to address extended medical care expenses.
Burial (D): Final expense policies or riders can be added to cover funeral and burial costs.
Workers' compensation (C): Not covered under life insurance policies; this is a specific insurance product regulated differently.
References: Maryland Life Insurance Rider Guidelines, Workers ' Compensation Insurance Regulations, and COMAR 31.09.03.

Advertisements (Insurance Article, § 27-503) can highlight advantages or ratings if true, but misrepresenting coverage via a title is illegal, deceiving consumers about policy benefits.
References:Maryland Insurance Article, § 27-503; MIA advertising standards.