Accident-and-Health-or-Sickness-Producer試験無料問題集（92題）「Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 認定」

出題：1

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. Fraud

B. Discrimination

C. Twisting

D. Rebating

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：2

Which of the following is NOT a mandated benefit in Maryland?

A. Treatment of mental illness

B. Hearing aids for children

C. Weight reduction programs

D. Treatment of substance abuse

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：3

An insurance producer or advisor in the State of Maryland can be disciplined by the MarylandInsurance Administration for all of the following EXCEPT:

A. Making false or misleading statements about dividends previously paid on similar policies

B. Using inappropriate description of a policy to hide the true nature of the policy

C. Filing a complaint on behalf of the consumer with the Maryland Insurance Administration

D. Making a misleading statement about the financial condition of an insurer

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：4

The typical group disability income insurance policy EXCLUDES coverage for disability resulting from:

A. Injuries occurring in the home

B. Automobile accidents

C. Commercial airline crashes

D. Military service

正解：D 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：5

Which of the following is NOT a mandated benefit in Maryland?

A. Treatment of mental illness

B. Hearing aids for children

C. Weight reduction programs

D. Treatment of substance abuse

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：6

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

A. Help the employer sign-up through the SHOP Exchange

B. Refer the employer to the carrier where a friend works

C. Refer the employer to a licensed insurance producer

D. Refer the employer to the Maryland Insurance Administration

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：7

When a producer sells an individual accident and health insurance policy, how is the initial premium usually paid?

A. The applicant sends it directly to the insurer with the application

B. The producer collects and forwards it to the insurer

C. The insurer utilizes the applicant's automatic bank draft authorization

D. The insurer bills the applicant when the application is approved

正解：B 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：8

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

A. Intentionally self-inflicted injuries

B. Illness or disease

C. War or acts of war

D. Automobile accidents resulting from the insured's negligence

正解：D 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：9

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

A. To age 25

B. Until they become self-sustaining

C. For life

D. To age 19

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：10

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

A. Performing clerical duties

B. Earning commission

C. Enrolling individuals in group plans

D. Acting as a regularly salaried officer

正解：B 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

Accident-and-Health-or-Sickness-Producer試験無料問題集「Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 認定」