[Nov 03, 2025] Genuine Accident-and-Health-or-Sickness-Producer Exam Dumps New 2025 Maryland Insurance Administration Pratice Exam
New 2025 Realistic Accident-and-Health-or-Sickness-Producer Dumps Test Engine Exam Questions in here
NEW QUESTION # 10
The typical group disability income insurance policy EXCLUDES coverage for disability resulting from:
- A. Military service
- B. Automobile accidents
- C. Commercial airline crashes
- D. Injuries occurring in the home
Answer: A
Explanation:
Group disability policies (Insurance Article, § 15-201) cover accidents like crashes or home injuries, but exclude military service disabilities, often covered by government programs (e.g., VA), reflecting standard exclusions.
References:Maryland Insurance Article, § 15-201; MIA disability insurance standards.
NEW QUESTION # 11
All advertisements for health insurance shall make clear the identity of the:
- A. Insurance Commissioner
- B. Insured
- C. Beneficiary
- D. Insurer
Answer: D
Explanation:
Advertisements must identify the insurer (Insurance Article, § 27-503) to ensure transparency and avoid confusion. The Commissioner, beneficiary, and insured aren't required in ads, as they don't issue the policy.
References:Maryland Insurance Article, § 27-503; MIA advertising guidelines.
NEW QUESTION # 12
Which statement is true of trade association groups eligible for group medical benefits?
- A. Such associations are formed for the purpose of purchasing insurance
- B. Members of the association are usually in the same industry
- C. Employer contributions are usually waived
- D. The association membership primarily consists of large employers
Answer: B
Explanation:
Trade associations (Insurance Article, § 15-1209) group members in the same industry for medical benefits, not solely for insurance, and include small employers with contributions typically required.
References:Maryland Insurance Article, § 15-1209; MIA group insurance rules.
NEW QUESTION # 13
Disability income insurance premiums are a deductible expense when the premiums are paid by:
- A. An insured for individual disability income coverage
- B. A corporation for group disability income coverage for the employees
- C. A partnership for group disability income coverage for the partners
- D. An employee for group disability income coverage
Answer: B
Explanation:
Under IRC § 162, premiums paid by a corporation for group disability coverage for employees are deductible as a business expense, with benefits taxable to employees. Partnerships can't deduct for partners (owners), individual premiums aren't deductible (IRC § 213), and employee-paid premiums don't qualify unless under specific plans. Maryland follows federal tax treatment.
References:Maryland Insurance Article; IRC § 162, § 213; MIA tax guidelines.
NEW QUESTION # 14
The Maryland State Benchmark Plan applies to which of the following?
- A. Individual Health Benefit Plans sold through the Exchange
- B. Medicaid plans sold through the Exchange
- C. Medicare supplement plans sold outside the Exchange prior to January 1, 2014
- D. Individual Health Benefit Plans sold outside the Exchange prior to January 1, 2014
Answer: A
Explanation:
The Maryland Benchmark Plan (Insurance Article, § 31-115) defines EHBs for individual and small group plans sold via the Maryland Health Connection Exchange, not Medicaid, Medigap, or pre-2014 off-Exchange plans.
References:Maryland Insurance Article, § 31-115; MIA ACA guidelines.
NEW QUESTION # 15
When a producer sells an individual accident and health insurance policy, how is the initial premium usually paid?
- A. The producer collects and forwards it to the insurer
- B. The applicant sends it directly to the insurer with the application
- C. The insurer bills the applicant when the application is approved
- D. The insurer utilizes the applicant's automatic bank draft authorization
Answer: A
Explanation:
Producers (Insurance Article, § 10-126) typically collect the initial premium with the application and forward it to the insurer, streamlining the process, unlike direct payment, billing, or bank drafts, which are less common initially.
References:Maryland Insurance Article, § 10-126; MIA producer procedures.
NEW QUESTION # 16
A nonprofit health service plan may NOT issue a contract that covers which of the following types of benefits?
- A. Medical expense benefits
- B. Disability income benefits
- C. Dental benefits
- D. Vision benefits
Answer: B
Explanation:
Nonprofit health service plans (Insurance Article, § 14-102), like HMOs, provide medical, vision, and dental benefits, but disability income-replacing lost wages-is outside their scope and belongs to separate insurance types.
References:Maryland Insurance Article, § 14-102; MIA nonprofit plan rules.
NEW QUESTION # 17
A disability income insurance policy typically provides coverage for disabilities resulting from:
- A. Both accidents and sickness
- B. Occupational accidents only
- C. Accidents only
- D. Sickness only
Answer: A
Explanation:
Disability income policies (Insurance Article, § 15-201) cover both accidents and sickness, providing broad income protection, not limited to one cause or occupational incidents.
References:Maryland Insurance Article, § 15-201; MIA disability standards.
NEW QUESTION # 18
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 can investigate the problem and hold a hearing
- C. The Maryland Insurance Administration can suspend the producer's license
- D. The Maryland Insurance Administration's decision is final
Answer: D
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 # 19
A certificate of insurance in a group accident and health plan is:
- A. A binding contract between the employee and the insurer
- B. Evidence of the employee's insurance coverage
- C. A binding contract between the employer and the insurer
- D. Issued to the employer for each insured location
Answer: B
Explanation:
The certificate (Insurance Article, § 15-1207) provides employees with evidence of coverage under the group plan, not a binding contract (master policy) or employer-specific by location. It summarizes benefits for clarity.
References:Maryland Insurance Article, § 15-1207; MIA group insurance rules.
NEW QUESTION # 20
It is unlawful for a person to provide an advertisement that:
- A. Makes a comparison of benefits between policies
- B. Points out coverage advantages of a policy
- C. Refers to the insurer's financial rating
- D. Uses a policy title to misrepresent a coverage
Answer: D
Explanation:
Advertisements (Insurance Article, § 27-503) can highlight advantages or ratings if true, but misrepresenting coverage via a title is illegal, deceiving consumers about policy benefits.
References:Maryland Insurance Article, § 27-503; MIA advertising standards.
NEW QUESTION # 21
An insured's statements on an accident and health insurance application are deemed to be:
- A. General provisions
- B. Warranties
- C. Representations
- D. Categorical
Answer: C
Explanation:
Statements on applications (Insurance Article, § 12-206) are representations-factual assertions to the best of the insured's knowledge-where only material misrepresentations void a policy. Warranties are stricter and less common, while categorical and general provisions don't apply.
References:Maryland Insurance Article, § 12-206; MIA application rules.
NEW QUESTION # 22
An insurance producer's license may be suspended or revoked by:
- A. The continuing education course provider
- B. The Attorney General
- C. The appointing insurer
- D. The Maryland Insurance Administration
Answer: D
Explanation:
Comprehensive and Detailed Step by Step Explanation:The Maryland Insurance Administration (MIA) has sole authority to regulate, suspend, or revoke an insurance producer's license for violations of state insurance laws:
Maryland Insurance Administration (C):Correct. The MIA oversees producer licensing, compliance, and disciplinary actions.
Appointing insurer (A):Can terminate an appointment but cannot revoke a license.
Continuing education provider (B):Only offers training and has no regulatory authority.
Attorney General (D):Handles legal actions but does not directly manage licensing.
References:Maryland Insurance Article §10-126, Producer Regulation Guidelines, COMAR 31.03.13.
NEW QUESTION # 23
Under which marketing system do insurers solicit customers by mass media advertising and mail without the services of a producer?
- A. Branch office
- B. Captive agent
- C. Contingent
- 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 # 24
An insurer may pay a commission directly or indirectly to:
- A. A surplus lines broker operating without a license for less than one year
- B. An unlicensed employee of the insurer
- C. Anyone soliciting business for the insurer
- D. A producer whose license is terminated after earning the commission
Answer: D
Explanation:
Commissions (Insurance Article, § 10-103) require a license, but a producer earning a commission while licensed can be paid post-termination. Unlicensed individuals or brokers can't legally receive commissions.
References:Maryland Insurance Article, § 10-103, § 10-130, § 3-306; MIA commission rules.
NEW QUESTION # 25
Medicare Supplement insurance is specifically designed for individuals who:
- A. Have enrolled in Medicare
- B. Cannot obtain commercial coverage due to health problems
- C. Have low incomes and limited assets
- D. Are ineligible for coverage under an employer group accident and health plan
Answer: A
Explanation:
Medicare Supplement (Medigap, Insurance Article, § 15-901) is for Medicare enrollees (Parts A and B) to cover gaps, not low-income (Medicaid), uninsurable (pre-ACA pools), or employer-ineligible individuals.
References:Maryland Insurance Article, § 15-901; MIA Medigap rules.
NEW QUESTION # 26
In Maryland, an insurance producer is a person who solicits, negotiates, or sells insurance plans PRIMARILY in conjunction with:
- A. Enrolling individuals in group plans
- B. Earning commission
- C. Performing clerical duties
- D. Acting as a regularly salaried officer
Answer: B
Explanation:
A producer (Insurance Article, § 1-101(aa)) solicits and sells insurance primarily for commissions, distinguishing them from clerical staff, enrollment facilitators, or salaried insurer employees. This reflects their independent role.
References:Maryland Insurance Article, § 1-101(aa), § 10-101; MIA producer definitions.
NEW QUESTION # 27
A health maintenance organization (HMO) must provide coverage for all of the following EXCEPT:
- A. Routine physical examinations
- B. Well-baby or well-child care
- C. Dental and vision care
- D. Emergency services
Answer: C
Explanation:
Maryland HMOs (Health-General Article, § 19-701) must provide basic health services like routine physicals, well-child care, and emergency services. Dental and vision care, however, are not required unless specified as supplemental benefits. State law mandates pediatric care but excludes routine dental and vision from standard HMO coverage unless the plan explicitly includes them.
References:Maryland Health-General Article, § 19-701; Insurance Article, § 15-1201; MIA HMO guidelines.
NEW QUESTION # 28
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