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Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:
1. Which benefit is usually excluded from major medical expense plan coverage?
A) Hospice care
B) Prescription drugs
C) Physical therapy
D) Routine dental care
2. The typical group disability income insurance policy EXCLUDES coverage for disability resulting from:
A) Commercial airline crashes
B) Military service
C) Injuries occurring in the home
D) Automobile accidents
3. In general practice, can the Maryland Insurance Administration inspect the business records of an insurance company or agency?
A) No, because only an officer of the court can inspect these records
B) No, because of privacy considerations
C) Yes, because all company and agency records are public domain
D) Yes, because of the powers defined by state laws
4. 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:
A) Charged the standard premium rate
B) Declined coverage
C) Charged an additional premium for the first three years
D) Required to pay the first year's premium in a lump sum
5. When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:
A) Major medical
B) Health maintenance organization
C) Dental
D) Disability income
Solutions:
| Question # 1 Answer: D | Question # 2 Answer: B | Question # 3 Answer: D | Question # 4 Answer: A | Question # 5 Answer: D |



