Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Q&A - in .pdf

  • Accident-and-Health-or-Sickness-Producer pdf
  • Exam Code: Accident-and-Health-or-Sickness-Producer
  • Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
  • Updated: Jul 30, 2026
  • Q & A: 92 Questions and Answers
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  • Exam Code: Accident-and-Health-or-Sickness-Producer
  • Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

SectionObjectives
Topic 1: Insurance Law and Regulation (Maryland)- Maryland Insurance Administration rules
  • 1. Producer licensing requirements
    • 2. Unfair trade practices (rebating, twisting, misrepresentation)
      Topic 2: Policy Administration and Ethics- Ethical obligations
      • 1. Suitability and fiduciary duties
        • 2. Disclosure requirements
          Topic 3: General Insurance Principles- Insurance concepts
          • 1. Risk, peril, hazard
            • 2. Principles of indemnity and insurable interest
              Topic 4: Health Insurance Systems- Managed care models
              • 1. HMO, PPO, POS
                - Government health programs
                • 1. Medicare basics
                  • 2. Medicaid basics
                    Topic 5: Accident and Health Insurance Basics- Policy structure and provisions
                    • 1. Definitions and clauses
                      • 2. Exclusions and limitations
                        - Types of coverage
                        • 1. Accidental death & dismemberment (AD&D)
                          • 2. Medical expense insurance
                            • 3. Disability income insurance

                              Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:

                              1. A health maintenance organization (HMO) must provide coverage for all of the following EXCEPT:

                              A) Well-baby or well-child care
                              B) Routine physical examinations
                              C) Dental and vision care
                              D) Emergency services


                              2. Short-term group disability income insurance:

                              A) Usually coordinates the amount of benefits paid with disability benefits received under Social Security
                              B) Usually provides benefits expressed as a percentage of the insured's normal weekly wage, up to a specified weekly maximum
                              C) Frequently provides coverage through age 65 for insureds who are over 55 when they become disabled
                              D) Often has a benefit period extending up to a maximum of ten years


                              3. If an insurer pays an individual accident and health insurance claim during a policy's grace period:

                              A) The amount of unpaid premium may be subtracted from the reimbursement
                              B) The deductible is waived
                              C) The policy is canceled automatically at the end of the grace period
                              D) A 10% service fee is charged


                              4. A producer may be guilty of misrepresentation if the producer:

                              A) Failed to disclose exclusions of the policy
                              B) Required timely written notice of loss for all claims
                              C) Denied a claim for failure of the policyholder to prove damages
                              D) Issued a full settlement check expressly releasing the insurer


                              5. The Maryland Insurance Administration is an agency of the:

                              A) State government
                              B) National Association of Insurance Commissioners
                              C) Federal government
                              D) Maryland General Assembly


                              Solutions:

                              Question # 1
                              Answer: C
                              Question # 2
                              Answer: B
                              Question # 3
                              Answer: A
                              Question # 4
                              Answer: A
                              Question # 5
                              Answer: A

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