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Pass Accident-and-Health-or-Sickness-Producer Exam Guide

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

Question 17

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?

Options:

A.

Benefits will not be taxable

B.

Some benefits will usually be taxable

C.

All benefits will be taxable

D.

Taxation depends on the beneficiary’s tax bracket

Question 18

An insurance producer or advisor in the State of Maryland can be disciplined by the MarylandInsurance Administration for all of the following EXCEPT:

Options:

A.

Making a misleading statement about the financial condition of an insurer

B.

Using inappropriate description of a policy to hide the true nature of the policy

C.

Making false or misleading statements about dividends previously paid on similar policies

D.

Filing a complaint on behalf of the consumer with the Maryland Insurance Administration

Question 19

Misrepresenting pertinent policy provisions relating to coverages after a loss is:

Options:

A.

A concealment in insurance applications

B.

An unfair claim settlement practice

C.

An unfair discrimination between individuals

D.

A violation of the principle of adhesion

Question 20

A health maintenance organization (HMO) must provide coverage for all of the following EXCEPT:

Options:

A.

Routine physical examinations

B.

Well-baby or well-child care

C.

Dental and vision care

D.

Emergency services