Valid Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Tips | Accident-and-Health-or-Sickness-Producer Exam Quiz

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Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Exam Sample Questions (Q83-Q88):

NEW QUESTION # 83
Which of the following is a requirement of an insurable risk?

A. The chance of loss must be calculable.
B. There must be a large number of different loss exposures.
C. The loss must be catastrophic.
D. The loss must be intentional.

Answer: A

Explanation:
Comprehensive and Detailed Step by Step Explanation:Aninsurable riskmust meet specific criteria to ensure fair and financially viable coverage:
Chance of loss must be calculable (C):Correct. Insurers need statistical data to assess risk and determine premiums.
Loss must be intentional (A):Incorrect; intentional losses are not insurable.
Loss must be catastrophic (B):Incorrect; catastrophic losses (e.g., war or large-scale disasters) are often excluded or managed through reinsurance.
Large number of different loss exposures (D):A large number of similar, not different, exposures is required for risk pooling.
References:Maryland Insurance Principles, Actuarial Standards, and COMAR 31.09.14.

NEW QUESTION # 84
Medical expense insurance typically EXCLUDES coverage for:

A. Maternity care benefits
B. Expenses incurred for primarily cosmetic surgery
C. Hospital care extending past 30 days
D. Hospital laboratory tests

Answer: B

Explanation:
Medical expense insurance covers necessary treatments like hospital stays, maternity care, and diagnostic tests, but excludes elective procedures such as primarily cosmetic surgery unless medically necessary (e.g., reconstructive surgery post-injury). Maryland law (Insurance Article, § 15-103) allows exclusions for non- essential services, aligning with standard practice where aesthetic surgeries like facelifts are not covered.
References:Maryland Insurance Article, § 15-103; MIA guidelines.

NEW QUESTION # 85
If an individual's occupation is considered to be illegal:

A. It must be stated as such on an accident and health insurance application
B. It results in a substandard rating on an accident and health insurance policy
C. It may result in a denial of a disability income claim
D. It may require a waiver on a disability income insurance policy

Answer: C

Explanation:
Illegal occupations (Insurance Article, § 12-101) can lead to claim denials if disability arises from illegal acts, per public policy. Disclosure isn't mandated, waivers don't apply, and ratings adjust risk, not legality.
References:Maryland Insurance Article, § 12-101; MIA claims policies.

NEW QUESTION # 86
Under Maryland law, the agreement between an insurance producer and insurer under which the insurance producer, for compensation, may sell, solicit, or negotiate policies issued by the insurer is defined as:

A. A binding agreement
B. A license
C. A certificate of authority
D. An appointment

Answer: D

Explanation:
An appointment (Insurance Article, § 10-103) is the formal agreement allowing a producer to sell an insurer's policies for compensation, distinct from a license (producer credential), certificate of authority (insurer's right), or vague binding agreement.
References:Maryland Insurance Article, § 10-103, § 4-101; MIA producer regulations.

NEW QUESTION # 87
All of the following are characteristics of a preferred risk applicant for disability income insurance EXCEPT:

A. High income
B. Physically active
C. Non-smoker
D. Non-hazardous occupation

Answer: A

Explanation:
Preferred risk applicants (Insurance Article, § 15-201) have low disability risk due to non-smoking, safe jobs, and physical activity. High income affects benefit amounts, not risk classification, making it the exception.
References:Maryland Insurance Article, § 15-201; MIA underwriting standards.

NEW QUESTION # 88
......

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Valid Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Tips | Accident-and-Health-or-Sickness-Producer Exam Quiz

Accident-and-Health-or-Sickness-Producer Exam Quiz & Valid Accident-and-Health-or-Sickness-Producer Vce

Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Exam Sample Questions (Q83-Q88):

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