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 real exams

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

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

Updated: Aug 11, 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: Accident and Health Insurance Basics- Policy structure and provisions
  • 1. Exclusions and limitations
    • 2. Definitions and clauses
      - Types of coverage
      • 1. Accidental death & dismemberment (AD&D)
        • 2. Disability income insurance
          • 3. Medical expense insurance
            Topic 2: Insurance Law and Regulation (Maryland)- Maryland Insurance Administration rules
            • 1. Producer licensing requirements
              • 2. Unfair trade practices (rebating, twisting, misrepresentation)
                Topic 3: Policy Administration and Ethics- Ethical obligations
                • 1. Suitability and fiduciary duties
                  • 2. Disclosure requirements
                    Topic 4: General Insurance Principles- Insurance concepts
                    • 1. Risk, peril, hazard
                      • 2. Principles of indemnity and insurable interest
                        Topic 5: Health Insurance Systems- Managed care models
                        • 1. HMO, PPO, POS
                          - Government health programs
                          • 1. Medicare basics
                            • 2. Medicaid basics

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

                              1. In general practice, which one of the following is true of the powers of the Maryland Insurance Administration with respect to access to a producer's business records?

                              A) The Maryland Insurance Administration has no right to access a producer's business records because of privacy considerations
                              B) Records must be produced upon the request of the Maryland Insurance Administration
                              C) Records can only be accessed by an order of a state court
                              D) Authorization must come from the National Association of Insurance Commissioners (NAIC)


                              2. 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) Declined coverage
                              C) Charged an additional premium for the first three years
                              D) Required to pay the first year's premium in a lump sum


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

                              A) Weight reduction programs
                              B) Hearing aids for children
                              C) Treatment of mental illness
                              D) Treatment of substance abuse


                              4. The Maryland Health Insurance Plan is designed to provide comprehensive health benefits for:

                              A) Senior citizens residing in Maryland
                              B) Children of low-income Maryland residents
                              C) Medically uninsurable Maryland residents
                              D) Low-income residents of Maryland


                              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) Fraud
                              C) Twisting
                              D) Rebating


                              Solutions:

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

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