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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer

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: Oct 07, 2026

Q&A Number: 92 Q&As

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

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

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

                              Question #1
                              When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

                              A. Dental
                              B. Health maintenance organization
                              C. Disability income
                              D. Major medical


                              Question #2
                              When an accident and health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?

                              A. The insurer
                              B. The principal insured individual
                              C. The patient or parent of the patient
                              D. The premium payor


                              Question #3
                              Under which marketing system do insurers solicit customers by mass media advertising and mail without the services of a producer?

                              A. Captive agent
                              B. Branch office
                              C. Direct response
                              D. Contingent


                              Question #4
                              Which feature in a long-term care insurance policy is designed specifically to provide benefits at times when family members need a break from caring for the insured?

                              A. Skilled nursing facility care
                              B. Custodial facility care
                              C. Respite care
                              D. Home health care


                              Question #5
                              An insurance adviser's written contract with the client must include all of the following EXCEPT:

                              A. Expiration date of the consultant's license
                              B. Disclosure as to whether commissions may be received
                              C. Amount of the fee
                              D. Duration of the contract


                              Solutions:

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

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