Exam Code: Accident-and-Health-or-Sickness-Producer
Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
Certification Provider: Maryland Insurance Administration
Corresponding Certification: Maryland Insurance
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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Maryland Insurance Laws and Regulations20-25%- Consumer protection regulations
- Violations and penalty provisions
- Maryland Insurance Code
- Unfair claim settlement practices
- Privacy and confidentiality requirements
- Producer licensing requirements
Topic 2: Marketing Practices8-12%- Producer responsibilities
- Prohibited practices
- Marketing regulations
- Advertising guidelines
Topic 3: Types of Health Insurance Policies20-25%- Group health insurance
- Long-term care insurance
- Disability income insurance
- Dental and vision insurance
- Individual health insurance
- Medicare and Medicaid
Topic 4: Policy Provisions and Clauses18-22%- Benefit periods
- Coverage terms and conditions
- Preexisting condition clauses
- Deductibles and copayments
- Exclusions and limitations
- Waiting periods
Topic 5: Field Underwriting and Application Process8-12%- Medical underwriting
- Agent responsibilities in enrollment
- Risk classification
- Application procedures
Topic 6: Social Insurance Programs8-12%- Social Security disability benefits
- CHIP (Children's Health Insurance Program)
- Medicare Part A, B, C, D
- Medicaid programs

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

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 must continue the insurance policy in full force
  • B. The insurer may cancel the policy only at the expiration or renewal date
  • C. The policy is automatically void
  • D. The policy is voidable at the insurer's option
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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If an individual's occupation is considered to be illegal:

  • A. It results in a substandard rating on an accident and health insurance policy
  • B. It may result in a denial of a disability income claim
  • C. It may require a waiver on a disability income insurance policy
  • D. It must be stated as such on an accident and health insurance application
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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A policy of life insurance may NOT be delivered unless the policy has a:

  • A. Legible and brief description of the policy on the first page
  • B. Premium coupon book
  • C. Notary seal
  • D. Financial statement of the life insurance company
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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In general practice, can the Maryland Insurance Administration inspect the business records of an insurance company or agency?

  • A. No, because of privacy considerations
  • B. Yes, because of the powers defined by state laws
  • C. Yes, because all company and agency records are public domain
  • D. No, because only an officer of the court can inspect these records
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Medical expense insurance typically EXCLUDES coverage for treatment of:

  • A. Undiagnosed diseases
  • B. Chronic back pain
  • C. Eating disorders
  • D. Intentionally self-inflicted injuries
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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