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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Topic 1: Insurance Law and Regulation (Maryland) | - Maryland Insurance Administration rules
|
| Topic 2: Health Insurance Systems | - Government health programs
|
| Topic 3: General Insurance Principles | - Insurance concepts
|
| Topic 4: Accident and Health Insurance Basics | - Types of coverage
|
| Topic 5: Policy Administration and Ethics | - Ethical obligations
|
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 |



