EXAM ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER STUDY GUIDE - ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER NEW DUMPS BOOK

Exam Accident-and-Health-or-Sickness-Producer Study Guide - Accident-and-Health-or-Sickness-Producer New Dumps Book

Exam Accident-and-Health-or-Sickness-Producer Study Guide - Accident-and-Health-or-Sickness-Producer New Dumps Book

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Valid and Reliable Accident-and-Health-or-Sickness-Producer Exam Questions [2025]

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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 one of the following causes of death typically would be included under an accidental death rider attached to a life insurance policy?

  • A. Automobile accidents resulting from the insured's negligence
  • B. War or acts of war
  • C. Intentionally self-inflicted injuries
  • D. Illness or disease

Answer: A

Explanation:
Comprehensive and Detailed Step by Step Explanation:Accidental death riders provide additional benefits if the insured dies due to an unforeseen accident.
* Automobile accidents resulting from the insured's negligence (D):Covered because negligence in driving does not disqualify the event from being an accident. The death must be directly and solely caused by the accident.
* Intentionally self-inflicted injuries (A):Excluded as they are not accidental but intentional.
* Illness or disease (B):Excluded as accidental death benefits do not apply to natural causes.
* War or acts of war (C):Generally excluded under most policies as a specific clause addresses wartime risks.
References:Maryland Insurance Guidelines for Accidental Death Riders and Policy Exclusions, COMAR
31.09.04.


NEW QUESTION # 84
When determining the premiums for large groups, most insurance companies use:

  • A. Occupational rating
  • B. Experience rating
  • C. Area rating
  • D. Pooled rating

Answer: B

Explanation:
Large group premiums (Insurance Article, § 15-1205) use experience rating, basing rates on the group's claims history. Occupational rating applies to specific jobs, area rating to geography, and pooled rating to small groups, none of which dominate large groups.
References:Maryland Insurance Article, § 15-1205; MIA group insurance guidelines.


NEW QUESTION # 85
All of the following are true of insurance EXCEPT:

  • A. It transfers risk
  • B. It eliminates risk
  • C. It is a means of sharing losses
  • D. It protects against uncertainty

Answer: B

Explanation:
Insurance (Insurance Article, § 1-101) transfers risk, shares losses, and protects against uncertainty, but it mitigates, not eliminates, risk, which remains inherent.
References:Maryland Insurance Article, § 1-101; MIA insurance basics.


NEW QUESTION # 86
In Maryland, a group accident and health certificate of insurance must contain:

  • A. The insurer's financial statement
  • B. A summary of policy features and benefits
  • C. A copy of the group contract
  • D. A list of all participating physicians

Answer: B

Explanation:
Certificates (Insurance Article, § 15-1207) summarize policy features and benefits for group members, not the full contract, physician lists, or financial statements, which are separate or irrelevant. This ensures employees understand their coverage.
References:Maryland Insurance Article, § 15-1207; MIA group insurance rules.


NEW QUESTION # 87
All of the following factors may affect premium determination in individual life insurance EXCEPT:

  • A. Occupation
  • B. Age
  • C. Health
  • D. Race

Answer: D

Explanation:
Comprehensive and Detailed Step by Step Explanation:Premium determination in life insurance depends on factors that measure risk, butrace (D)is not and cannot be used due to anti-discrimination laws.
Age (A):A primary factor; younger applicants are charged lower premiums due to lower mortality risk.
Health (B):Significant; poor health or pre-existing conditions increase premiums.
Occupation (C):Risky professions (e.g., construction or aviation) may result in higher premiums.
Race (D):Prohibited by Maryland law, which ensures fairness and prohibits underwriting based on race, ethnicity, or similar discriminatory criteria.
References:Maryland Insurance Article §27-501, COMAR 31.09.03, and Anti-Discrimination Standards in Insurance.


NEW QUESTION # 88
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