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Updated: Sep 05, 2025

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

1. When a producer sells an individual accident and health insurance policy, how is the initial premium usually paid?

A) The applicant sends it directly to the insurer with the application
B) The producer collects and forwards it to the insurer
C) The insurer bills the applicant when the application is approved
D) The insurer utilizes the applicant's automatic bank draft authorization


2. 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?

A) Some benefits will usually be taxable
B) Taxation depends on the beneficiary's tax bracket
C) All benefits will be taxable
D) Benefits will not be taxable


3. The phrase, "this policy pays $1,800 for hospital room and board expenses," should include the:

A) Minimum daily benefit and the maximum time limit for hospital room and board expenses
B) Minimum daily benefit and the minimum time limit for hospital room and board expenses
C) Maximum daily benefit and the maximum time limit for hospital room and board expenses
D) Maximum daily benefit and the minimum time limit for hospital room and board expenses


4. Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?

A) Long-term care insurance
B) Major medical expense
C) Medicare supplement
D) Long-term disability


5. Pat owns a small business and is interested in enrolling her son in the Maryland Children's Health Insurance Program. Which of the following is the MOST appropriate person for Pat to contact for enrollment?

A) The Maryland Insurance Commissioner
B) A certified Navigator or authorized Producer for the Individual Exchange
C) A SHOP Exchange Navigator
D) An Insurance Producer authorized to work in the SHOP Exchange


Solutions:

Question # 1
Answer: B
Question # 2
Answer: D
Question # 3
Answer: C
Question # 4
Answer: A
Question # 5
Answer: B

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