All Accident-and-Health-or-Sickness-Producer Test Inside Maryland Insurance Administration Questions

MarylandAccident and Health or Sickness Producer Series 20-24 Exam Questions and Answers

Question 5

Under which marketing system do insurers solicit customers by mass media advertising and mail without the services of a producer?

Branch office

Contingent

Captive agent

Direct response

Question 6

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

Maximum daily benefit and the maximum time limit for hospital room and board expenses

Minimum daily benefit and the maximum time limit for hospital room and board expenses

Minimum daily benefit and the minimum time limit for hospital room and board expenses

Maximum daily benefit and the minimum time limit for hospital room and board expenses

Question 7

A producer may be guilty of misrepresentation if the producer:

Failed to disclose exclusions of the policy

Denied a claim for failure of the policyholder to prove damages

Required timely written notice of loss for all claims

Issued a full settlement check expressly releasing the insurer

Question 8

An insurance policy could be issued to cover losses resulting from any of the following EXCEPT:

A drug smuggling operation

A skydiving exhibition

A state-sponsored centennial celebration

A nuclear power plant