Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam : MarylandAccident and Health or Sickness Producer Series 20-24 Exam

Accident-and-Health-or-Sickness-Producer
  • Exam Code: Accident-and-Health-or-Sickness-Producer
  • Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
  • Updated: Oct 06, 2026
  • Q & A: 92 Questions and Answers

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

SectionWeightObjectives
Topic 1: Accident and Health Insurance Policies35%- Policy Features
  • 1. Pre-existing conditions and exclusions
    • 2. Waiting periods and elimination periods
      • 3. Benefit structures and limits
        - Types of Coverage
        • 1. Accident-only coverage
          • 2. Long-term care insurance
            • 3. Medical expense insurance
              • 4. Disability income insurance
                Topic 2: Maryland State-Specific Regulations20%- Statutory Requirements
                • 1. Mandatory benefits and coverage mandates
                  • 2. Disclosure and marketing requirements
                    • 3. Claims handling and settlement rules
                      - Compliance and Enforcement
                      • 1. Penalties and violations
                        • 2. Reporting and recordkeeping
                          Topic 3: Insurance Regulation30%- Providers and Markets
                          • 1. Insurers and health service organizations
                            • 2. HMOs and managed care arrangements
                              - Regulation of Producers
                              • 1. Compensation and commissions
                                • 2. Privacy and confidentiality rules
                                  • 3. Unfair trade practices
                                    - Licensing
                                    • 1. Initial qualifications and examination
                                      • 2. License issuance, renewal, and termination
                                        • 3. General provisions and definitions
                                          Topic 4: General Insurance Concepts15%- Fundamental Principles
                                          • 1. Insurable interest and indemnity
                                            • 2. Risk and risk management
                                              • 3. Contract law and policy structure
                                                - Policy Provisions
                                                • 1. Mandatory and optional clauses
                                                  • 2. Exclusions and limitations

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

                                                    Question #1

                                                    All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:

                                                    • A. Discounts on local health spa memberships
                                                    • B. Outpatient medical services
                                                    • C. Wellness programs
                                                    • D. Twenty-four hour access to emergency care
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: A  🗳️

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                                                    Question #2

                                                    Which benefit is usually excluded from accident and health plan coverage?

                                                    • A. Physicians' visits
                                                    • B. Surgical expense
                                                    • C. Custodial care
                                                    • D. Hospital expense
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: C  🗳️

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                                                    Question #3

                                                    An accident and health insurance producer is most likely to become liable for professional errors and omissions as the result of:

                                                    • A. An accounting error discovered by the producer's accountant
                                                    • B. Incorrect filing of federal income taxes
                                                    • C. Submitting a premium payment to an insurer in excess of the required amount
                                                    • D. Misleading a prospective insured in replacing accident and health insurance
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: D  🗳️

                                                    Explanation: Only visible for Exam4Tests members. You can sign-up / login (it's free).

                                                    Question #4

                                                    In Maryland, an insurance producer is a person who solicits, negotiates, or sells insurance plans PRIMARILY in conjunction with:

                                                    • A. Performing clerical duties
                                                    • B. Enrolling individuals in group plans
                                                    • C. Acting as a regularly salaried officer
                                                    • D. Earning commission
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: D  🗳️

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                                                    Question #5

                                                    An insurance producer or advisor in the State of Maryland can be disciplined by the MarylandInsurance Administration for all of the following EXCEPT:

                                                    • A. Making false or misleading statements about dividends previously paid on similar policies
                                                    • B. Using inappropriate description of a policy to hide the true nature of the policy
                                                    • 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
                                                    Reveal Solution  Discussion  0

                                                    Correct Answer: C  🗳️

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