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Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:
1. Under which marketing system do insurers solicit customers by mass media advertising and mail without the services of a producer?
A) Direct response
B) Branch office
C) Captive agent
D) Contingent
2. A health maintenance organization may issue a contract that provides benefits for the following:
A) Health care services provided to members of the HMO
B) The dismemberment of an HMO member
C) Replacement of income lost by a member due to the member's disability
D) The accidental death of an HMO member
3. The entire contract provision in an individual accident and health insurance policy states that the producer:
A) May waive only certain contract provisions
B) Has no authority to change the policy or waive any of its provisions
C) Has company authority to change the policy
D) Has company authority to waive any contract provisions
4. All of the following are basic underwriting actions in accident and health insurance EXCEPT:
A) Deleting uniform policy provisions
B) Issuing standard policies as applied for
C) Issuing policies with exclusion riders
D) Rejecting applicants
5. Under Maryland law, the agreement between an insurance producer and insurer under which the insurance producer, for compensation, may sell, solicit, or negotiate policies issued by the insurer is defined as:
A) An appointment
B) A binding agreement
C) A certificate of authority
D) A license
Solutions:
Question # 1 Answer: A | Question # 2 Answer: A | Question # 3 Answer: B | Question # 4 Answer: A | Question # 5 Answer: A |