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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Maryland Insurance Laws and Regulations | 20-25% | - Consumer protection regulations - Violations and penalty provisions - Maryland Insurance Code - Unfair claim settlement practices - Privacy and confidentiality requirements - Producer licensing requirements |
| Topic 2: Marketing Practices | 8-12% | - Producer responsibilities - Prohibited practices - Marketing regulations - Advertising guidelines |
| Topic 3: Types of Health Insurance Policies | 20-25% | - 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 Clauses | 18-22% | - Benefit periods - Coverage terms and conditions - Preexisting condition clauses - Deductibles and copayments - Exclusions and limitations - Waiting periods |
| Topic 5: Field Underwriting and Application Process | 8-12% | - Medical underwriting - Agent responsibilities in enrollment - Risk classification - Application procedures |
| Topic 6: Social Insurance Programs | 8-12% | - Social Security disability benefits - CHIP (Children's Health Insurance Program) - Medicare Part A, B, C, D - Medicaid programs |
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:
Correct Answer: D 🗳️
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If an individual's occupation is considered to be illegal:
Correct Answer: B 🗳️
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A policy of life insurance may NOT be delivered unless the policy has a:
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?
Correct Answer: B 🗳️
Explanation: Only visible for ExamBoosts members. You can sign-up / login (it's free).
Medical expense insurance typically EXCLUDES coverage for treatment of:
Correct Answer: D 🗳️
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