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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Marketing Practices | 8-12% | - Marketing regulations - Advertising guidelines - Producer responsibilities - Prohibited practices |
| Maryland Insurance Laws and Regulations | 20-25% | - Violations and penalty provisions - Privacy and confidentiality requirements - Unfair claim settlement practices - Producer licensing requirements - Consumer protection regulations - Maryland Insurance Code |
| Types of Health Insurance Policies | 20-25% | - Individual health insurance - Long-term care insurance - Medicare and Medicaid - Dental and vision insurance - Disability income insurance - Group health insurance |
| Policy Provisions and Clauses | 18-22% | - Exclusions and limitations - Deductibles and copayments - Benefit periods - Waiting periods - Coverage terms and conditions - Preexisting condition clauses |
| Social Insurance Programs | 8-12% | - Medicare Part A, B, C, D - CHIP (Children's Health Insurance Program) - Medicaid programs - Social Security disability benefits |
| Field Underwriting and Application Process | 8-12% | - Risk classification - Medical underwriting - Agent responsibilities in enrollment - Application procedures |
Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:
All of the following factors may affect premium determination in individual life insurance EXCEPT:
- A. Age
- B. Occupation
- C. Health
- D. Race
Correct Answer: D 🗳️
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An insurance policy could be issued to cover losses resulting from any of the following EXCEPT:
- A. A drug smuggling operation
- B. A nuclear power plant
- C. A state-sponsored centennial celebration
- D. A skydiving exhibition
Correct Answer: A 🗳️
Explanation: Only visible for Prep4away members. You can sign-up / login (it's free).
An elimination period in a disability income insurance policy is the:
- A. Same as the probationary period
- B. Period between the start of a disability and the beginning of benefits
- C. Time during which benefits are paid under the policy
- D. Time period the policy is in force
Correct Answer: B 🗳️
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Which expenses are covered by Medicare Part D?
- A. Hospital
- B. Dental
- C. Medical
- D. Prescription drug
Correct Answer: D 🗳️
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When the insured's willful failure to disclose a material fact at the time of application is discovered by the insurer shortly after the policy is issued:
- A. The insurer may cancel the policy only at the expiration or renewal date
- B. The insurer must continue the insurance policy in full force
- C. The policy is voidable at the insurer's option
- D. The policy is automatically void
Correct Answer: C 🗳️
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