Accident-and-Health-or-Sickness-Producer MarylandAccident and Health or Sickness Producer Series 20-24 Exam Questions and Answers
If an insurer pays an individual accident and health insurance claim during a policy’s grace period:
All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:
When an accident and health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?
An insurance adviser’s written contract with the client must include all of the following EXCEPT:
Giving policyholders some part of the agent’s commission as an inducement to purchase insurance is an unfair trade practice known as:
If an employer with 200 employees wants to offer health insurance and calls a SHOP Exchange Navigator, what should the navigator do?
Disability income insurance premiums are a deductible expense when the premiums are paid by:
An insured incurs a covered accident and health insurance loss on May 30, which is submitted to the insurer on June 8. If the insured terminated coverage on June 1, the insurer:
In dental insurance coverage, which one of the following typically is EXCLUDED?
An insurance producer provided several examples to the applicant persuasively demonstrating that the insurance coverage offered under his company’s policy was superior to a competitor’s product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?
Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:
Which one of the following causes of loss typically is EXCLUDED under a disability income insurance policy?
When the insured’s willful failure to disclose a material fact at the time of application is discovered by the insurer shortly after the policy is issued:
An accident and health insurance producer is most likely to become liable for professional errors and omissions as the result of:
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?
Who has the right to change the beneficiary of an accident and health policy with a revocable beneficiary designation?
The entire contract provision in an individual accident and health insurance policy states that the producer:
All of the following are characteristics of a preferred risk applicant for disability income insurance EXCEPT:
In Maryland, continuation of medical plan coverage for a handicapped child beyond the age limit stated in the policy may require proof of the child’s:
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