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Realistic Maryland Insurance Administration Free Accident-and-Health-or-Sickness-Producer Study Material Pass Guaranteed
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Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Exam Sample Questions (Q62-Q67):
NEW QUESTION # 62
Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?
- A. Long-term disability
- B. Major medical expense
- C. Long-term care insurance
- D. Medicare supplement
Answer: C
Explanation:
Long-term care insurance (Insurance Article, § 18-101) triggers benefits based on inability to perform ADLs (e.g., bathing), unlike Medigap, major medical, or disability, which focus on medical or work criteria.
References:Maryland Insurance Article, § 18-101; MIA long-term care rules.
NEW QUESTION # 63
Under which marketing system do insurers solicit customers by mass media advertising and mail without the services of a producer?
- A. Contingent
- B. Captive agent
- C. Branch office
- D. Direct response
Answer: D
Explanation:
Direct response (Insurance Article, § 10-101) uses mass media and mail to sell directly, bypassing producers, unlike branch offices, captive agents, or contingent systems, which involve intermediaries.
References:Maryland Insurance Article, § 10-101; MIA marketing guidelines.
NEW QUESTION # 64
When a producer engages in unfair practices, all of the following are true EXCEPT:
- A. The Maryland Insurance Administration can issue a cease and desist order
- B. The Maryland Insurance Administration's decision is final
- C. The Maryland Insurance Administration can investigate the problem and hold a hearing
- D. The Maryland Insurance Administration can suspend the producer's license
Answer: B
Explanation:
The MIA (Insurance Article, § 2-201, § 10-126) can investigate, suspend licenses, and issue orders, but its decisions are appealable to Maryland courts, not final.
References:Maryland Insurance Article, § 2-201, § 10-126; MIA enforcement powers.
NEW QUESTION # 65
When a single major medical contract covers all medical expenses, the plan is considered to be:
- A. Limited
- B. Supplemental
- C. Comprehensive
- D. First-dollar
Answer: C
Explanation:
A single policy covering all medical expenses (Insurance Article, § 15-201) is comprehensive, unlike limited (specific), first-dollar (no deductible), or supplemental (add-on) plans.
References:Maryland Insurance Article, § 15-201; MIA major medical standards.
NEW QUESTION # 66
Which one of the following causes of loss typically is EXCLUDED under a disability income insurance policy?
- A. Auto accidents
- B. Tropical disease
- C. Cancer
- D. Intentionally self-inflicted injuries
Answer: D
Explanation:
Disability income policies (Insurance Article, § 15-201) cover accidents, cancer, and diseases, but exclude intentionally self-inflicted injuries as non-accidental, aligning with standard exclusions to prevent abuse.
References:Maryland Insurance Article, § 15-201; MIA disability insurance standards.
NEW QUESTION # 67
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