Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Valid 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: Sep 21, 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
  • Updated: Sep 21, 2026
  • Q & A: 92 Questions and Answers
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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

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

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

                              Question #1

                              Misrepresenting pertinent policy provisions relating to coverages after a loss is:

                              • A. An unfair discrimination between individuals
                              • B. A concealment in insurance applications
                              • C. An unfair claim settlement practice
                              • D. A violation of the principle of adhesion
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for TestValid members. You can sign-up / login (it's free).

                              Question #2

                              Who has the right to change the beneficiary of an accident and health policy with a revocable beneficiary designation?

                              • A. The producer
                              • B. The beneficiary
                              • C. The policyowner
                              • D. The insurer
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for TestValid members. You can sign-up / login (it's free).

                              Question #3

                              Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:

                              • A. Power of attorney
                              • B. Copy of the person's living will
                              • C. Report of a physical examination
                              • D. Applicant's family's consent
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for TestValid members. You can sign-up / login (it's free).

                              Question #4

                              When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

                              • A. Major medical
                              • B. Health maintenance organization
                              • C. Disability income
                              • D. Dental
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for TestValid members. You can sign-up / login (it's free).

                              Question #5

                              Which type of Medicare Supplement information can be used without prior state approval?

                              • A. Radio announcements approved by the insurer
                              • B. Insurance company brochures
                              • C. Government publications
                              • D. Television advertisements approved by the insurer
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for TestValid members. You can sign-up / login (it's free).

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