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

Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer exam
  • Exam Code: Accident-and-Health-or-Sickness-Producer
  • Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
  • Updated: Aug 05, 2026
  • Q & A: 92 Questions and Answers
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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

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

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

                              1. 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) Misleading a prospective insured in replacing accident and health insurance
                              C) Incorrect filing of federal income taxes
                              D) Submitting a premium payment to an insurer in excess of the required amount


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

                              A) Dental care
                              B) Primary care
                              C) Emergency medical care
                              D) In-patient hospital services


                              3. Which one of the following causes of loss typically is EXCLUDED under a disability income insurance policy?

                              A) Cancer
                              B) Auto accidents
                              C) Tropical disease
                              D) Intentionally self-inflicted injuries


                              4. An elimination period in a disability income insurance policy is the:

                              A) Period between the start of a disability and the beginning of benefits
                              B) Time during which benefits are paid under the policy
                              C) Same as the probationary period
                              D) Time period the policy is in force


                              5. A policy of life insurance may NOT be delivered unless the policy has a:

                              A) Premium coupon book
                              B) Financial statement of the life insurance company
                              C) Legible and brief description of the policy on the first page
                              D) Notary seal


                              Solutions:

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

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