Pass Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Quickly With Free4Dump [Q36-Q50]

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Pass Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Quickly With Free4Dump

Prepare Accident-and-Health-or-Sickness-Producer Question Answers – Accident-and-Health-or-Sickness-Producer Exam Dumps

NEW QUESTION 36
When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

Disability income

Major medical

Dental

Health maintenance organization

NEW QUESTION 37
All of the following are examples of unfair claims settlement practices EXCEPT:

Failing to promptly provide a reason for a claim denial

Refusing arbitrarily and unreasonably to pay claims

Denying unsubstantiated claims on a timely basis

Misrepresenting pertinent facts of coverage

NEW QUESTION 38
Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?

Medicare supplement

Major medical expense

Long-term care insurance

Long-term disability

NEW QUESTION 39
In Maryland, an insurance producer is a person who solicits, negotiates, or sells insurance plans PRIMARILY in conjunction with:

Earning commission

Performing clerical duties

Enrolling individuals in group plans

Acting as a regularly salaried officer

NEW QUESTION 40
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:

An appointment

A binding agreement

A certificate of authority

A license

NEW QUESTION 41
When determining the premiums for large groups, most insurance companies use:

Occupational rating

Area rating

Pooled rating

Experience rating

NEW QUESTION 42
A health maintenance organization (HMO) must provide coverage for all of the following EXCEPT:

Routine physical examinations

Well-baby or well-child care

Dental and vision care

Emergency services

NEW QUESTION 43
Short-term group disability income insurance:

Usually provides benefits expressed as a percentage of the insured’s normal weekly wage, up to a specified weekly maximum

Usually coordinates the amount of benefits paid with disability benefits received under Social Security

Often has a benefit period extending up to a maximum of ten years

Frequently provides coverage through age 65 for insureds who are over 55 when they become disabled

NEW QUESTION 44
In dental insurance coverage, which one of the following typically is EXCLUDED?

Treatment started prior to the eligibility date

Preventive care

Dental X-rays

Root canal therapy

NEW QUESTION 45
Which of the following is a requirement of an insurable risk?

The loss must be intentional.

The loss must be catastrophic.

The chance of loss must be calculable.

There must be a large number of different loss exposures.

NEW QUESTION 46
When the insured’s willful failure to disclose a material fact at the time of application is discovered by the insurer shortly after the policy is issued:

The insurer must continue the insurance policy in full force

The insurer may cancel the policy only at the expiration or renewal date

The policy is automatically void

The policy is voidable at the insurer’s option

NEW QUESTION 47
All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:

Wellness programs

Discounts on local health spa memberships

Twenty-four hour access to emergency care

Outpatient medical services

NEW QUESTION 48
To be eligible for major medical extended care benefits, a patient must:

Be terminally ill

Have had surgery

Require physical therapy

Require continuous skilled nursing care

NEW QUESTION 49
If an employer with 200 employees wants to offer health insurance and calls a SHOP Exchange Navigator, what should the navigator do?

Refer the employer to a licensed insurance producer

Help the employer sign-up through the SHOP Exchange

Refer the employer to the carrier where a friend works

Refer the employer to the Maryland Insurance Administration

NEW QUESTION 50
An insurance adviser’s written contract with the client must include all of the following EXCEPT:

Expiration date of the consultant’s license

Amount of the fee

Duration of the contract

Disclosure as to whether commissions may be received