Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer valid study dumps : 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: Aug 29, 2026
  • Q&As: 92 Questions and Answers

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

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

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

                                                    1. In general practice, which one of the following is true of the powers of the Maryland Insurance Administration with respect to access to a producer's business records?

                                                    A) Records must be produced upon the request of the Maryland Insurance Administration
                                                    B) Records can only be accessed by an order of a state court
                                                    C) The Maryland Insurance Administration has no right to access a producer's business records because of privacy considerations
                                                    D) Authorization must come from the National Association of Insurance Commissioners (NAIC)


                                                    2. Which benefit is usually excluded from major medical expense plan coverage?

                                                    A) Prescription drugs
                                                    B) Routine dental care
                                                    C) Physical therapy
                                                    D) Hospice care


                                                    3. Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?

                                                    A) Medicare supplement
                                                    B) Major medical expense
                                                    C) Long-term care insurance
                                                    D) Long-term disability


                                                    4. Pat owns a small business and is interested in enrolling her son in the Maryland Children's Health Insurance Program. Which of the following is the MOST appropriate person for Pat to contact for enrollment?

                                                    A) The Maryland Insurance Commissioner
                                                    B) A SHOP Exchange Navigator
                                                    C) A certified Navigator or authorized Producer for the Individual Exchange
                                                    D) An Insurance Producer authorized to work in the SHOP Exchange


                                                    5. All of the following are characteristics of a preferred risk applicant for disability income insurance EXCEPT:

                                                    A) Non-smoker
                                                    B) Non-hazardous occupation
                                                    C) High income
                                                    D) Physically active


                                                    Solutions:

                                                    Question # 1
                                                    Answer: A
                                                    Question # 2
                                                    Answer: B
                                                    Question # 3
                                                    Answer: C
                                                    Question # 4
                                                    Answer: C
                                                    Question # 5
                                                    Answer: C

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