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

  • Exam Code: Accident-and-Health-or-Sickness-Producer
  • Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
  • Updated: Oct 07, 2026     Q & A: 92 Questions and Answers

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

SectionObjectives
Topic 1: Policy Administration and Ethics- Ethical obligations
  • 1. Suitability and fiduciary duties
    • 2. Disclosure requirements
      Topic 2: Accident and Health Insurance Basics- Policy structure and provisions
      • 1. Definitions and clauses
        • 2. Exclusions and limitations
          - Types of coverage
          • 1. Medical expense insurance
            • 2. Disability income insurance
              • 3. Accidental death & dismemberment (AD&D)
                Topic 3: General Insurance Principles- Insurance concepts
                • 1. Risk, peril, hazard
                  • 2. Principles of indemnity and insurable interest
                    Topic 4: Insurance Law and Regulation (Maryland)- Maryland Insurance Administration rules
                    • 1. Producer licensing requirements
                      • 2. Unfair trade practices (rebating, twisting, misrepresentation)
                        Topic 5: Health Insurance Systems- Managed care models
                        • 1. HMO, PPO, POS
                          - Government health programs
                          • 1. Medicare basics
                            • 2. Medicaid basics

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

                              Question #1

                              The waiver of premium provision in a disability income policy provides that premiums will be waived during:

                              • A. The elimination period
                              • B. The time limit on certain defenses
                              • C. The disability benefit period
                              • D. The grace period
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for Pass4guide members. You can sign-up / login (it's free).

                              Question #2

                              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. Retention
                              • C. Twisting
                              • D. Replacement
                              Reveal Solution  Discussion  0

                              Correct Answer: A  🗳️

                              Explanation: Only visible for Pass4guide members. You can sign-up / login (it's free).

                              Question #3

                              In HMO coverage, all of the following services must be available 24 hours per day, 7 days per week EXCEPT:

                              • A. In-patient hospital services
                              • B. Dental care
                              • C. Primary care
                              • D. Emergency medical care
                              Reveal Solution  Discussion  0

                              Correct Answer: B  🗳️

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                              Question #4

                              Which statement is true of trade association groups eligible for group medical benefits?

                              • A. Employer contributions are usually waived
                              • B. Such associations are formed for the purpose of purchasing insurance
                              • C. Members of the association are usually in the same industry
                              • D. The association membership primarily consists of large employers
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for Pass4guide members. You can sign-up / login (it's free).

                              Question #5

                              Which one of the following causes of death typically would be included under an accidental death rider attached to a life insurance policy?

                              • A. Illness or disease
                              • B. Intentionally self-inflicted injuries
                              • C. Automobile accidents resulting from the insured's negligence
                              • D. War or acts of war
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for Pass4guide members. You can sign-up / login (it's free).

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