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Accident-and-Health-or-Sickness-Producer Questions and Answers

Question # 6

Which expenses are covered by Medicare Part D?

A.

Medical

B.

Hospital

C.

Prescription drug

D.

Dental

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Question # 7

A policy of life insurance may NOT be delivered unless the policy has a:

A.

Legible and brief description of the policy on the first page

B.

Notary seal

C.

Premium coupon book

D.

Financial statement of the life insurance company

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Question # 8

Accident and health policies must cover physically or mentally handicapped dependent children:

A.

To age 19

B.

To age 25

C.

For life

D.

Until they become self-sustaining

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Question # 9

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

A.

Medicare supplement

B.

Major medical expense

C.

Long-term care insurance

D.

Long-term disability

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Question # 10

Pre-existing conditions include conditions of health that:

A.

Are never insurable under any circumstances or degree of severity

B.

Must exist before an applicant can be accepted by an insurer

C.

Have been medically treated or diagnosed prior to the effective date of coverage

D.

Develop after the effective date of the policy but before the expiration of the time limit on certain defenses

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Question # 11

An insurance producer's license may be suspended or revoked by:

A.

The appointing insurer

B.

The continuing education course provider

C.

The Maryland Insurance Administration

D.

The Attorney General

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Question # 12

In accident and health insurance underwriting, when the risk imposed by an applicant is similar to the risks imposed by most other applicants, the applicant is:

A.

Declined coverage

B.

Charged the standard premium rate

C.

Required to pay the first year’s premium in a lump sum

D.

Charged an additional premium for the first three years

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Question # 13

Short-term group disability income insurance:

A.

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

B.

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

C.

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

D.

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

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Question # 14

All of the following services are covered under the Medicare Supplement preventive care benefit EXCEPT:

A.

Immunizations

B.

Hearing tests

C.

Outpatient prescription vitamins

D.

Routine physical examinations

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Question # 15

All of the following are considered to be fraud EXCEPT:

A.

Willfully collecting a premium that exceeds the amount of the premium

B.

Collecting a charge for insurance that is less than the charge applicable to that insurance

C.

Collecting a premium for insurance that is not provided

D.

Collecting a proper premium for insurance that is provided

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Question # 16

An insurance policy could be issued to cover losses resulting from any of the following EXCEPT:

A.

A drug smuggling operation

B.

A skydiving exhibition

C.

A state-sponsored centennial celebration

D.

A nuclear power plant

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Question # 17

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

A.

Non-smoker

B.

Non-hazardous occupation

C.

High income

D.

Physically active

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Question # 18

Medical expense insurance typically EXCLUDES coverage for:

A.

Hospital care extending past 30 days

B.

Expenses incurred for primarily cosmetic surgery

C.

Maternity care benefits

D.

Hospital laboratory tests

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Question # 19

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

A.

Earning commission

B.

Performing clerical duties

C.

Enrolling individuals in group plans

D.

Acting as a regularly salaried officer

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Question # 20

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

A.

Failing to promptly provide a reason for a claim denial

B.

Refusing arbitrarily and unreasonably to pay claims

C.

Denying unsubstantiated claims on a timely basis

D.

Misrepresenting pertinent facts of coverage

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Question # 21

Medical expense insurance typically EXCLUDES coverage for treatment of:

A.

Chronic back pain

B.

Eating disorders

C.

Intentionally self-inflicted injuries

D.

Undiagnosed diseases

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Question # 22

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

A.

Be terminally ill

B.

Have had surgery

C.

Require physical therapy

D.

Require continuous skilled nursing care

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Question # 23

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

A.

Refer the employer to a licensed insurance producer

B.

Help the employer sign-up through the SHOP Exchange

C.

Refer the employer to the carrier where a friend works

D.

Refer the employer to the Maryland Insurance Administration

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Question # 24

Which type of Medicare Supplement information can be used without prior state approval?

A.

Insurance company brochures

B.

Radio announcements approved by the insurer

C.

Television advertisements approved by the insurer

D.

Government publications

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Question # 25

If an insurer pays an individual accident and health insurance claim during a policy’s grace period:

A.

The deductible is waived

B.

A 10% service fee is charged

C.

The policy is canceled automatically at the end of the grace period

D.

The amount of unpaid premium may be subtracted from the reimbursement

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Question # 26

A disability income insurance policy typically provides coverage for disabilities resulting from:

A.

Accidents only

B.

Sickness only

C.

Both accidents and sickness

D.

Occupational accidents only

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Question # 27

The waiver of premium provision in a disability income policy provides that premiums will be waived during:

A.

The disability benefit period

B.

The elimination period

C.

The grace period

D.

The time limit on certain defenses

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