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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Questions and Start Preparation Today [2025]

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Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Exam Sample Questions (Q46-Q51):

NEW QUESTION # 46
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. Replacement
C. Twisting
D. Fraud

Answer: D

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 # 47
An insurance producer provided several examples to the applicant persuasively demonstrating that the insurance coverage offered under his company's policy was superior to a competitor's product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?

A. Twisting
B. Rebating
C. Fraud
D. Discrimination

Answer: A

Explanation:
Twisting (Insurance Article, § 27-203) involves misrepresenting policy benefits to induce replacement with an inferior product. Fraud is broader, discrimination isn't relevant, and rebating offers financial inducements, not misrepresentation.
References:Maryland Insurance Article, § 27-203; MIA trade practice rules.

NEW QUESTION # 48
Who has the right to change the beneficiary of an accident and health policy with a revocable beneficiary designation?

A. The producer
B. The insurer
C. The policyowner
D. The beneficiary

Answer: C

Explanation:
With a revocable beneficiary (Insurance Article, § 16-201), the policyowner retains the right to change the beneficiary, not the beneficiary, insurer, or producer, who lack such authority.
References:Maryland Insurance Article, § 16-201; MIA policy ownership rules.

NEW QUESTION # 49
To be eligible for major medical extended care benefits, a patient must:

A. Have had surgery
B. Require continuous skilled nursing care
C. Be terminally ill
D. Require physical therapy

Answer: B

Explanation:
Extended care under major medical (Insurance Article, § 15-201) requires continuous skilled nursing care (e.
g., nursing home), not just terminal illness, surgery, or therapy, which have broadercriteria.
References:Maryland Insurance Article, § 15-201; MIA major medical standards.

NEW QUESTION # 50
When an accident and health insurer requires a covered individual to undergo a physical examination, who pays the cost of the examination?

A. The premium payor
B. The insurer
C. The principal insured individual
D. The patient or parent of the patient

Answer: B

Explanation:
If an insurer mandates a physical exam (Insurance Article, § 12-202), it pays the cost, as it's a condition of coverage or claims processing. The premium payor, insured, or patient isn't responsible for insurer-initiated requirements.
References:Maryland Insurance Article, § 12-202; MIA policy standards.

NEW QUESTION # 51
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