Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer real exam prep : MarylandAccident and Health or Sickness Producer Series 20-24 Exam

  • Exam Code: Accident-and-Health-or-Sickness-Producer
  • Exam Name: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
  • Updated: Sep 20, 2026
  • Q&As: 92 Questions and Answers

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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

SectionObjectives
Topic 1: General Insurance Principles- Insurance concepts
  • 1. Principles of indemnity and insurable interest
    • 2. Risk, peril, hazard
      Topic 2: Insurance Law and Regulation (Maryland)- Maryland Insurance Administration rules
      • 1. Producer licensing requirements
        • 2. Unfair trade practices (rebating, twisting, misrepresentation)
          Topic 3: Accident and Health Insurance Basics- Types of coverage
          • 1. Accidental death & dismemberment (AD&D)
            • 2. Medical expense insurance
              • 3. Disability income insurance
                - Policy structure and provisions
                • 1. Exclusions and limitations
                  • 2. Definitions and clauses
                    Topic 4: Policy Administration and Ethics- Ethical obligations
                    • 1. Suitability and fiduciary duties
                      • 2. Disclosure requirements
                        Topic 5: Health Insurance Systems- Government health programs
                        • 1. Medicare basics
                          • 2. Medicaid basics
                            - Managed care models
                            • 1. HMO, PPO, POS

                              Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:

                              Question #1

                              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:

                              • A. The policy is automatically void
                              • B. The insurer may cancel the policy only at the expiration or renewal date
                              • C. The policy is voidable at the insurer's option
                              • D. The insurer must continue the insurance policy in full force
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for Prep4away members. You can sign-up / login (it's free).

                              Question #2

                              Giving policyholders some part of the agent's commission as an inducement to purchase insurance is an unfair trade practice known as:

                              • A. Replacement
                              • B. Rebating
                              • C. Twisting
                              • D. Retention
                              Reveal Solution  Discussion  0

                              Correct Answer: B  🗳️

                              Explanation: Only visible for Prep4away members. You can sign-up / login (it's free).

                              Question #3

                              An insurer may pay a commission directly or indirectly to:

                              • A. An unlicensed employee of the insurer
                              • B. A producer whose license is terminated after earning the commission
                              • C. Anyone soliciting business for the insurer
                              • D. A surplus lines broker operating without a license for less than one year
                              Reveal Solution  Discussion  0

                              Correct Answer: B  🗳️

                              Explanation: Only visible for Prep4away members. You can sign-up / login (it's free).

                              Question #4

                              Which of the following is a requirement of an insurable risk?

                              • A. The loss must be intentional.
                              • B. The chance of loss must be calculable.
                              • C. The loss must be catastrophic.
                              • D. There must be a large number of different loss exposures.
                              Reveal Solution  Discussion  0

                              Correct Answer: B  🗳️

                              Explanation: Only visible for Prep4away members. You can sign-up / login (it's free).

                              Question #5

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

                              • A. Makes a comparison of benefits between policies
                              • B. Refers to the insurer's financial rating
                              • C. Uses a policy title to misrepresent a coverage
                              • D. Points out coverage advantages of a policy
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for Prep4away members. You can sign-up / login (it's free).

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