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

  • Exam Code: Accident-and-Health-or-Sickness-Producer
  • Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
  • Updated: Oct 06, 2026
  • Q & A: 92 Questions and Answers

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

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

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

                              Question #1

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

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

                              Correct Answer: D  🗳️

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                              Question #2

                              The primary purpose of disability income insurance is to:

                              • A. Pay necessary hospital expenses when the insured is unable to work
                              • B. Provide benefit payments for a period of time when the insured is unable to work
                              • C. Pay any physicians' fees resulting from a disabling injury
                              • D. Provide indemnity for loss of life
                              Reveal Solution  Discussion  0

                              Correct Answer: B  🗳️

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                              Question #3

                              In dental insurance coverage, which one of the following typically is EXCLUDED?

                              • A. Dental X-rays
                              • B. Root canal therapy
                              • C. Treatment started prior to the eligibility date
                              • D. Preventive care
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

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                              Question #4

                              In accident and health insurance underwriting, when the risk imposed by an applicant is similar to the risks imposed by most other applicants, the applicant is:

                              • A. Charged the standard premium rate
                              • B. Charged an additional premium for the first three years
                              • C. Required to pay the first year's premium in a lump sum
                              • D. Declined coverage
                              Reveal Solution  Discussion  0

                              Correct Answer: A  🗳️

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                              Question #5

                              After completing an application for insurance, the insurance producer collects the premiums but deposits the check in the insurance producer's checking account. What crime has been committed?

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

                              Correct Answer: D  🗳️

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