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

SectionWeightObjectives
Marketing Practices8-12%- Marketing regulations
- Advertising guidelines
- Producer responsibilities
- Prohibited practices
Maryland Insurance Laws and Regulations20-25%- 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 Policies20-25%- Individual health insurance
- Long-term care insurance
- Medicare and Medicaid
- Dental and vision insurance
- Disability income insurance
- Group health insurance
Policy Provisions and Clauses18-22%- Exclusions and limitations
- Deductibles and copayments
- Benefit periods
- Waiting periods
- Coverage terms and conditions
- Preexisting condition clauses
Social Insurance Programs8-12%- Medicare Part A, B, C, D
- CHIP (Children's Health Insurance Program)
- Medicaid programs
- Social Security disability benefits
Field Underwriting and Application Process8-12%- 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
Reveal Solution  Discussion  0

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
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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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
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Which expenses are covered by Medicare Part D?

  • A. Hospital
  • B. Dental
  • C. Medical
  • D. Prescription drug
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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
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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