Pass4training offer you the best valid and useful Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer training material
Updated: Aug 08, 2026
No. of Questions: 92 Questions & Answers with Testing Engine
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| Certification Vendor: | Maryland Insurance Administration |
| Exam Name: | Accident and Health or Sickness Producer License Examination |
| Exam Number: | Series 20-24 |
| Passing Score: | 70 |
| Certificate Validity Period: | License renewal every 2 years; continuing education required |
| Exam Format: | Multiple Choice |
| Exam Duration: | 150 minutes |
| Real Exam Qty: | 100 |
| Related Certifications: | Property and Casualty Producer Life Producer |
| Available Languages: | English |
| Exam Price: | $68 |
| Sample Questions: | Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Sample Questions |
| Exam Way: | Computer-based testing at Pearson VUE test centers |
| Pre Condition: | Must be at least 18 years old; no felony convictions related to insurance; completion of pre-licensing education may be required |
| Official Syllabus URL: | https://insurance.maryland.gov/ |
| Section | Weight | Objectives |
|---|---|---|
| Marketing Practices | 8-12% | - Producer responsibilities - Prohibited practices - Marketing regulations - Advertising guidelines |
| Maryland Insurance Laws and Regulations | 20-25% | - Privacy and confidentiality requirements - Producer licensing requirements - Violations and penalty provisions - Consumer protection regulations - Maryland Insurance Code - Unfair claim settlement practices |
| Policy Provisions and Clauses | 18-22% | - Deductibles and copayments - Exclusions and limitations - Preexisting condition clauses - Coverage terms and conditions - Waiting periods - Benefit periods |
| Field Underwriting and Application Process | 8-12% | - Application procedures - Agent responsibilities in enrollment - Risk classification - Medical underwriting |
| Types of Health Insurance Policies | 20-25% | - Individual health insurance - Medicare and Medicaid - Dental and vision insurance - Long-term care insurance - Disability income insurance - Group health insurance |
| Social Insurance Programs | 8-12% | - Medicaid programs - Medicare Part A, B, C, D - Social Security disability benefits - CHIP (Children's Health Insurance Program) |
1. An elimination period in a disability income insurance policy is the:
A) Period between the start of a disability and the beginning of benefits
B) Time during which benefits are paid under the policy
C) Same as the probationary period
D) Time period the policy is in force
2. Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:
A) Power of attorney
B) Applicant's family's consent
C) Report of a physical examination
D) Copy of the person's living will
3. 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 policy is voidable at the insurer's option
C) The insurer must continue the insurance policy in full force
D) The insurer may cancel the policy only at the expiration or renewal date
4. Pre-existing conditions include conditions of health that:
A) Have been medically treated or diagnosed prior to the effective date of coverage
B) Must exist before an applicant can be accepted by an insurer
C) Are never insurable under any circumstances or degree of severity
D) Develop after the effective date of the policy but before the expiration of the time limit on certain defenses
5. When determining the premiums for large groups, most insurance companies use:
A) Experience rating
B) Pooled rating
C) Occupational rating
D) Area rating
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: C | Question # 3 Answer: B | Question # 4 Answer: A | Question # 5 Answer: A |
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