Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam : MarylandAccident and Health or Sickness Producer Series 20-24 Exam

Accident-and-Health-or-Sickness-Producer
  • Exam Code: Accident-and-Health-or-Sickness-Producer
  • Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
  • Updated: Nov 03, 2026
  • Q & A: 92 Questions and Answers

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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

SectionWeightObjectives
General Insurance Concepts15%- Fundamental Principles
  • 1. Risk and risk management
    • 2. Insurable interest and indemnity
      • 3. Contract law and policy structure
        - Policy Provisions
        • 1. Mandatory and optional clauses
          • 2. Exclusions and limitations
            Maryland State-Specific Regulations20%- Compliance and Enforcement
            • 1. Reporting and recordkeeping
              • 2. Penalties and violations
                - Statutory Requirements
                • 1. Claims handling and settlement rules
                  • 2. Mandatory benefits and coverage mandates
                    • 3. Disclosure and marketing requirements
                      Accident and Health Insurance Policies35%- Policy Features
                      • 1. Benefit structures and limits
                        • 2. Pre-existing conditions and exclusions
                          • 3. Waiting periods and elimination periods
                            - Types of Coverage
                            • 1. Accident-only coverage
                              • 2. Medical expense insurance
                                • 3. Disability income insurance
                                  • 4. Long-term care insurance
                                    Insurance Regulation30%- Regulation of Producers
                                    • 1. Privacy and confidentiality rules
                                      • 2. Compensation and commissions
                                        • 3. Unfair trade practices
                                          - Licensing
                                          • 1. License issuance, renewal, and termination
                                            • 2. General provisions and definitions
                                              • 3. Initial qualifications and examination
                                                - Providers and Markets
                                                • 1. HMOs and managed care arrangements
                                                  • 2. Insurers and health service organizations

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

                                                    Question #1

                                                    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 Exam4Tests members. You can sign-up / login (it's free).

                                                    Question #2

                                                    Short-term group disability income insurance:

                                                    • A. Frequently provides coverage through age 65 for insureds who are over 55 when they become disabled
                                                    • B. Often has a benefit period extending up to a maximum of ten years
                                                    • C. Usually coordinates the amount of benefits paid with disability benefits received under Social Security
                                                    • D. Usually provides benefits expressed as a percentage of the insured's normal weekly wage, up to a specified weekly maximum
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: D  🗳️

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                                                    Question #3

                                                    Which benefit is usually excluded from accident and health plan coverage?

                                                    • A. Physicians' visits
                                                    • B. Surgical expense
                                                    • C. Custodial care
                                                    • D. Hospital expense
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: C  🗳️

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                                                    Question #4

                                                    An insurance producer provided several examples to the applicant persuasively demonstrating that the insurance coverage offered under his company's policy was superior to a competitor's product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?

                                                    • A. Twisting
                                                    • B. Rebating
                                                    • C. Fraud
                                                    • D. Discrimination
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: A  🗳️

                                                    Explanation: Only visible for Exam4Tests members. You can sign-up / login (it's free).

                                                    Question #5

                                                    Which of the following is NOT a mandated benefit in Maryland?

                                                    • A. Treatment of substance abuse
                                                    • B. Treatment of mental illness
                                                    • C. Hearing aids for children
                                                    • D. Weight reduction programs
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: D  🗳️

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