Accident-and-Health-or-Sickness-Producer

Feb-2026 Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Actual Questions and Braindumps

Accident-and-Health-or-Sickness-Producer Dumps To Pass Maryland Insurance Administration Exam in 24 Hours – TrainingDump

Q24. 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:

Continued insurability

Incapacity only

Incapacity and dependency upon reaching the age limit

Dependency for the first two years of continued coverage only

Q25. When an accident and health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?

The premium payor

The principal insured individual

The patient or parent of the patient

The insurer

Q26. After completing an application for insurance, the insurance producer collects the premiums but deposits the check in the insurance producer’s checking account. What crime has been committed?

Fraud

Replacement

Rebating

Twisting

Q27. The Maryland State Benchmark Plan applies to which of the following?

Medicaid plans sold through the Exchange

Individual Health Benefit Plans sold through the Exchange

Medicare supplement plans sold outside the Exchange prior to January 1, 2014

Individual Health Benefit Plans sold outside the Exchange prior to January 1, 2014

Q28. All of the following are examples of unfair claims settlement practices EXCEPT:

Failing to promptly provide a reason for a claim denial

Refusing arbitrarily and unreasonably to pay claims

Denying unsubstantiated claims on a timely basis

Misrepresenting pertinent facts of coverage

Q29. Which statement describes the most likely federal income tax treatment of death benefits paid to the family of an insured under an accident and health insurance policy?

Benefits will not be taxable

Some benefits will usually be taxable

All benefits will be taxable

Taxation depends on the beneficiary’s tax bracket

Q30. Coverage for the first three pints of blood for Medicare enrollees is:

A Medicare Supplement additional benefit

A Medicare Supplement core benefit

A Medicare Part A benefit

A Medicare Part B benefit

Q31. The typical group disability income insurance policy EXCLUDES coverage for disability resulting from:

Commercial airline crashes

Injuries occurring in the home

Automobile accidents

Military service

Q32. A disability income insurance policy typically provides coverage for disabilities resulting from:

Accidents only

Sickness only

Both accidents and sickness

Occupational accidents only

Q33. An insured’s statements on an accident and health insurance application are deemed to be:

Representations

Warranties

Categorical

General provisions

Q34. 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:

The insurer must continue the insurance policy in full force

The insurer may cancel the policy only at the expiration or renewal date

The policy is automatically void

The policy is voidable at the insurer’s option

Q35. A health maintenance organization may issue a contract that provides benefits for the following:

Replacement of income lost by a member due to the member’s disability

Health care services provided to members of the HMO

The accidental death of an HMO member

The dismemberment of an HMO member

Q36. It is unlawful for a person to provide an advertisement that:

Points out coverage advantages of a policy

Refers to the insurer’s financial rating

Uses a policy title to misrepresent a coverage

Makes a comparison of benefits between policies

Q37. In Maryland, an insurance producer is a person who solicits, negotiates, or sells insurance plans PRIMARILY in conjunction with:

Earning commission

Performing clerical duties

Enrolling individuals in group plans

Acting as a regularly salaried officer

Q38. All advertisements for health insurance shall make clear the identity of the:

Insurance Commissioner

Beneficiary

Insurer

Insured

Q39. In accident and health insurance underwriting, when the risk imposed by an applicant is similar to the risks imposed by most other applicants, the applicant is:

Declined coverage

Charged the standard premium rate

Required to pay the first year’s premium in a lump sum

Charged an additional premium for the first three years

Q40. When a single major medical contract covers all medical expenses, the plan is considered to be:

Comprehensive

Limited

First-dollar

Supplemental

Q41. Which benefit is usually excluded from major medical expense plan coverage?

Hospice care

Prescription drugs

Routine dental care

Physical therapy

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Category Accident-and-Health-or-Sickness-Producer

Feb-2026 Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Actual Questions and Braindumps [Q24-Q41]