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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) Incorrect filing of federal income taxes
B) Submitting a premium payment to an insurer in excess of the required amount
C) An accounting error discovered by the producer's accountant
D) Misleading a prospective insured in replacing accident and health insurance
2. When a producer engages in unfair practices, all of the following are true EXCEPT:
A) The Maryland Insurance Administration's decision is final
B) The Maryland Insurance Administration can investigate the problem and hold a hearing
C) The Maryland Insurance Administration can suspend the producer's license
D) The Maryland Insurance Administration can issue a cease and desist order
3. Short-term group disability income insurance:
A) Frequently provides coverage through age 65 for insureds who are over 55 when they become disabled
B) Usually provides benefits expressed as a percentage of the insured's normal weekly wage, up to a specified weekly maximum
C) Often has a benefit period extending up to a maximum of ten years
D) Usually coordinates the amount of benefits paid with disability benefits received under Social Security
4. Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?
A) Long-term disability
B) Long-term care insurance
C) Medicare supplement
D) Major medical expense
5. All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:
A) Physical examinations
B) Experimental surgery
C) Well-baby checkups
D) Immunizations for children
Solutions:
Question # 1 Answer: D | Question # 2 Answer: A | Question # 3 Answer: B | Question # 4 Answer: B | Question # 5 Answer: B |