Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam : 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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About Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Questions

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

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

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

                              Question #1

                              Group health insurance contracts providing coverage for employees in more than one state are usually controlled by the laws of the state where:

                              • A. The application is signed
                              • B. The master contract is issued
                              • C. The producer resides
                              • D. The majority of employees reside
                              Reveal Solution  Discussion  0

                              Correct Answer: B  🗳️

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

                              Question #2

                              An insurer may pay a commission directly or indirectly to:

                              • A. An unlicensed employee of the insurer
                              • B. Anyone soliciting business for the insurer
                              • C. A producer whose license is terminated after earning the commission
                              • D. A surplus lines broker operating without a license for less than one year
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

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

                              Question #3

                              The primary purpose of disability income insurance is to:

                              • A. Pay necessary hospital expenses when the insured is unable to work
                              • B. Pay any physicians' fees resulting from a disabling injury
                              • C. Provide indemnity for loss of life
                              • D. Provide benefit payments for a period of time when the insured is unable to work
                              Reveal Solution  Discussion  0

                              Correct Answer: D  🗳️

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

                              Question #4

                              Which of the following is a requirement of an insurable risk?

                              • A. The loss must be intentional.
                              • B. The chance of loss must be calculable.
                              • C. There must be a large number of different loss exposures.
                              • D. The loss must be catastrophic.
                              Reveal Solution  Discussion  0

                              Correct Answer: B  🗳️

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

                              Question #5

                              To be eligible for major medical extended care benefits, a patient must:

                              • A. Require physical therapy
                              • B. Require continuous skilled nursing care
                              • C. Have had surgery
                              • D. Be terminally ill
                              Reveal Solution  Discussion  0

                              Correct Answer: B  🗳️

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

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