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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Field Underwriting and Application Process | 8-12% | - Risk classification - Application procedures - Medical underwriting - Agent responsibilities in enrollment |
| Policy Provisions and Clauses | 18-22% | - Deductibles and copayments - Coverage terms and conditions - Waiting periods - Preexisting condition clauses - Benefit periods - Exclusions and limitations |
| Types of Health Insurance Policies | 20-25% | - Individual health insurance - Long-term care insurance - Group health insurance - Disability income insurance - Medicare and Medicaid - Dental and vision insurance |
| Marketing Practices | 8-12% | - Advertising guidelines - Marketing regulations - Producer responsibilities - Prohibited practices |
| Social Insurance Programs | 8-12% | - Medicare Part A, B, C, D - Medicaid programs - Social Security disability benefits - CHIP (Children's Health Insurance Program) |
| Maryland Insurance Laws and Regulations | 20-25% | - Producer licensing requirements - Maryland Insurance Code - Violations and penalty provisions - Consumer protection regulations - Unfair claim settlement practices - Privacy and confidentiality requirements |
Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:
An insurer may pay a commission directly or indirectly to:
- A. Anyone soliciting business for the insurer
- B. A surplus lines broker operating without a license for less than one year
- C. A producer whose license is terminated after earning the commission
- D. An unlicensed employee of the insurer
Correct Answer: C 🗳️
Explanation: Only visible for Prep4pass members. You can sign-up / login (it's free).
Who has the right to change the beneficiary of an accident and health policy with a revocable beneficiary designation?
- A. The policyowner
- B. The insurer
- C. The beneficiary
- D. The producer
Correct Answer: A 🗳️
Explanation: Only visible for Prep4pass members. You can sign-up / login (it's free).
Medical expense insurance typically EXCLUDES coverage for:
- A. Maternity care benefits
- B. Expenses incurred for primarily cosmetic surgery
- C. Hospital laboratory tests
- D. Hospital care extending past 30 days
Correct Answer: B 🗳️
Explanation: Only visible for Prep4pass members. You can sign-up / login (it's free).
An insurance producer or advisor in the State of Maryland can be disciplined by the MarylandInsurance Administration for all of the following EXCEPT:
- A. Using inappropriate description of a policy to hide the true nature of the policy
- B. Making false or misleading statements about dividends previously paid on similar policies
- C. Filing a complaint on behalf of the consumer with the Maryland Insurance Administration
- D. Making a misleading statement about the financial condition of an insurer
Correct Answer: C 🗳️
Explanation: Only visible for Prep4pass members. You can sign-up / login (it's free).
Giving policyholders some part of the agent's commission as an inducement to purchase insurance is an unfair trade practice known as:
- A. Rebating
- B. Replacement
- C. Twisting
- D. Retention
Correct Answer: A 🗳️
Explanation: Only visible for Prep4pass members. You can sign-up / login (it's free).
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