New Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Discount, Accident-and-Health-or-Sickness-Producer Original Questions
New Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Discount, Accident-and-Health-or-Sickness-Producer Original Questions
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As we all know, the influence of Accident-and-Health-or-Sickness-Producer exam guides even have been extended to all professions and trades in recent years. Passing the Accident-and-Health-or-Sickness-Producer exam is not only for obtaining a paper certification, but also for a proof of your ability. Most people regard Maryland Insurance Administration certification as a threshold in this industry, therefore, for your convenience, we are fully equipped with a professional team with specialized experts to study and design the most applicable Accident-and-Health-or-Sickness-Producer Exam prepare. We have organized a team to research and Accident-and-Health-or-Sickness-Producer study question patterns pointing towards various learners.
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Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Exam Sample Questions (Q77-Q82):
NEW QUESTION # 77
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. A certified Navigator or authorized Producer for the Individual Exchange
- B. A SHOP Exchange Navigator
- C. The Maryland Insurance Commissioner
- D. An Insurance Producer authorized to work in the SHOP Exchange
Answer: A
Explanation:
MCHIP enrollment (Insurance Article, § 31-113) occurs through the Individual Exchange (Maryland Health Connection), where certified Navigators or Producers assist, not SHOP (business-focused) or the Commissioner (regulatory).
References:Maryland Insurance Article, § 31-113; MIA MCHIP guidelines.
NEW QUESTION # 78
After completing an application for insurance, the insurance producer collects the premiums but deposits the check in the insurance producer's checking account. What crime has been committed?
- A. Rebating
- B. Fraud
- C. Replacement
- D. Twisting
Answer: B
Explanation:
Producers hold premiums in a fiduciary capacity (Insurance Article, § 10-126) and must remit them to the insurer or a trust account. Depositing them into a personal account is fraud-specifically misappropriation- violating state law. Twisting, rebating, and replacement involve different unethical acts, not fund misuse.
References:Maryland Insurance Article, § 10-126; MIA producer conduct regulations.
NEW QUESTION # 79
In general practice, which one of the following is true of the powers of the Maryland Insurance Administration with respect to access to a producer's business records?
- A. Records must be produced upon the request of the Maryland Insurance Administration
- B. Records can only be accessed by an order of a state court
- C. Authorization must come from the National Association of Insurance Commissioners (NAIC)
- D. The Maryland Insurance Administration has no right to access a producer's business records because of privacy considerations
Answer: A
Explanation:
The MIA (Insurance Article, § 2-207) can request and access producer records for audits or investigations, overriding privacy for regulatory purposes. Court orders or NAIC approval aren't required, and access is a standard power.
References:Maryland Insurance Article, § 2-207; MIA regulatory authority.
NEW QUESTION # 80
The free-look period provided in a life insurance policy is usually:
- A. 31 days
- B. 10 days
- C. 45 days
- D. 60 days
Answer: B
Explanation:
Comprehensive and Detailed Step by Step Explanation:Thefree-look periodis a consumer protection mechanism allowing policyholders to cancel a policy within a specific period for a full refund.
* 10 days (A):Maryland law requires a minimum free-look period of 10 days for life insurance policies, allowing buyers to review the policy without financial obligation.
* 31 days (B), 45 days (C), and 60 days (D):These exceed Maryland's statutory minimum and are not standard requirements unless specifically offered by the insurer.
References:Maryland Free-Look Provisions, COMAR 31.09.09, and Maryland Consumer Protection Act.
NEW QUESTION # 81
Which of the following is NOT a mandated benefit in Maryland?
- A. Hearing aids for children
- B. Treatment of substance abuse
- C. Weight reduction programs
- D. Treatment of mental illness
Answer: C
Explanation:
Maryland mandates mental health (§ 15-802), substance abuse (§ 15-803), and hearing aids for children (§ 15-
838), but weight reduction programs are elective and not required (Insurance Article, § 15-801).
References:Maryland Insurance Article, § 15-801, § 15-802, § 15-803, § 15-838; MIA mandated benefits.
NEW QUESTION # 82
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