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

Accident-and-Health-or-Sickness-Producer exam collection

Exam Code: Accident-and-Health-or-Sickness-Producer

Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam

Updated: Aug 09, 2026

Q & A: 92 Questions and Answers

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

                              1. 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) Applicant's family's consent
                              C) Report of a physical examination
                              D) Copy of the person's living will


                              2. Which one of the following causes of loss typically is EXCLUDED under a disability income insurance policy?

                              A) Tropical disease
                              B) Auto accidents
                              C) Cancer
                              D) Intentionally self-inflicted injuries


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

                              A) A partnership for group disability income coverage for the partners
                              B) An insured for individual disability income coverage
                              C) An employee for group disability income coverage
                              D) A corporation for group disability income coverage for the employees


                              4. In Maryland, a group accident and health certificate of insurance must contain:

                              A) A summary of policy features and benefits
                              B) A list of all participating physicians
                              C) A copy of the group contract
                              D) The insurer's financial statement


                              5. Medical expense insurance typically EXCLUDES coverage for:

                              A) Expenses incurred for primarily cosmetic surgery
                              B) Maternity care benefits
                              C) Hospital laboratory tests
                              D) Hospital care extending past 30 days


                              Solutions:

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

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