Free Maryland Insurance Administration Accident-Health-Sickness-Producer Exam Questions

Become Maryland Insurance Administration Certified with updated Accident-Health-Sickness-Producer exam questions and correct answers

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Total 92 Questions | Updated On: Oct 27, 2025

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Question 1

The primary purpose of disability income insurance is to:

A : Provide indemnity for loss of life

B : Pay necessary hospital expenses when the insured is unable to work

C : Provide benefit payments for a period of time when the insured is unable to work

D : Pay any physicians’ fees resulting from a disabling injury

Answer: C

Question 2

Which expenses are covered by Medicare Part D?

A : Medical

B : Hospital

C : Prescription drug

D : Dental

Answer: C

Question 3

Which of the following is a requirement of an insurable risk?

A : The loss must be intentional.

B : The loss must be catastrophic.

C : The chance of loss must be calculable.

D : There must be a large number of different loss exposures.

Answer: C

Question 4

A health maintenance organization may issue a contract that provides benefits for the following:

A : Replacement of income lost by a member due to the member’s disability

B : Health care services provided to members of the HMO

C : The accidental death of an HMO member

D : The dismemberment of an HMO member

Answer: B

Question 5

It is unlawful for a person to provide an advertisement that:

A : Points out coverage advantages of a policy

B : Refers to the insurer’s financial rating

C : Uses a policy title to misrepresent a coverage

D : Makes a comparison of benefits between policies

Answer: C

Page: 1 / 19

Total 92 Questions | Updated On: Oct 27, 2025

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