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Accident-and-Health-or-Sickness-Producer PDF Practice Q&A's Total Questions: 92
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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Maryland Insurance Laws and Regulations20-25%- Privacy and confidentiality requirements
- Violations and penalty provisions
- Consumer protection regulations
- Maryland Insurance Code
- Producer licensing requirements
- Unfair claim settlement practices
Topic 2: Field Underwriting and Application Process8-12%- Risk classification
- Medical underwriting
- Agent responsibilities in enrollment
- Application procedures
Topic 3: Marketing Practices8-12%- Advertising guidelines
- Prohibited practices
- Marketing regulations
- Producer responsibilities
Topic 4: Social Insurance Programs8-12%- Medicaid programs
- Social Security disability benefits
- Medicare Part A, B, C, D
- CHIP (Children's Health Insurance Program)
Topic 5: Types of Health Insurance Policies20-25%- Dental and vision insurance
- Disability income insurance
- Individual health insurance
- Group health insurance
- Long-term care insurance
- Medicare and Medicaid
Topic 6: Policy Provisions and Clauses18-22%- Benefit periods
- Exclusions and limitations
- Waiting periods
- Preexisting condition clauses
- Deductibles and copayments
- Coverage terms and conditions

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

All of the following are examples of unfair claims settlement practices EXCEPT:

  • A. Refusing arbitrarily and unreasonably to pay claims
  • B. Failing to promptly provide a reason for a claim denial
  • C. Denying unsubstantiated claims on a timely basis
  • D. Misrepresenting pertinent facts of coverage
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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

The waiver of premium provision in a disability income policy provides that premiums will be waived during:

  • A. The elimination period
  • B. The disability benefit period
  • C. The time limit on certain defenses
  • D. The grace period
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Disability income insurance premiums are a deductible expense when the premiums are paid by:

  • A. A corporation for group disability income coverage for the employees
  • B. An insured for individual disability income coverage
  • C. An employee for group disability income coverage
  • D. A partnership for group disability income coverage for the partners
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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The free-look period provided in a life insurance policy is usually:

  • A. 31 days
  • B. 45 days
  • C. 10 days
  • D. 60 days
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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Medicare Supplement insurance is specifically designed for individuals who:

  • A. Have low incomes and limited assets
  • B. Cannot obtain commercial coverage due to health problems
  • C. Are ineligible for coverage under an employer group accident and health plan
  • D. Have enrolled in Medicare
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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