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Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Exam Sample Questions (Q45-Q50):

NEW QUESTION # 45
If an individual's occupation is considered to be illegal:

A. It must be stated as such on an accident and health insurance application
B. It may require a waiver on a disability income insurance policy
C. It results in a substandard rating on an accident and health insurance policy
D. It may result in a denial of a disability income claim

Answer: D

Explanation:
Illegal occupations (Insurance Article, § 12-101) can lead to claim denials if disability arises from illegal acts, per public policy. Disclosure isn't mandated, waivers don't apply, and ratings adjust risk, not legality.
References:Maryland Insurance Article, § 12-101; MIA claims policies.

NEW QUESTION # 46
All of the following factors may affect premium determination in individual life insurance EXCEPT:

A. Age
B. Occupation
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 # 47
Which feature in a long-term care insurance policy is designed specifically to provide benefits at times when family members need a break from caring for the insured?

A. Respite care
B. Custodial facility care
C. Home health care
D. Skilled nursing facility care

Answer: A

Explanation:
Respite care (Insurance Article, § 18-101) offers temporary professional care to relieve family caregivers, a mandated feature in Maryland long-term care policies. Skilled nursing, custodial care, and home health care serve ongoing needs, not specifically caregiver breaks.
References:Maryland Insurance Article, § 18-101 et seq.; MIA LTC guidelines.

NEW QUESTION # 48
Which one of the following causes of death typically would be included under an accidental death rider attached to a life insurance policy?

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

Answer: C

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 # 49
All of the following are examples of unfair claims settlement practices EXCEPT:

A. Denying unsubstantiated claims on a timely basis
B. Misrepresenting pertinent facts of coverage
C. Failing to promptly provide a reason for a claim denial
D. Refusing arbitrarily and unreasonably to pay claims

Answer: A

Explanation:
Unfair practices (Insurance Article, § 27-303) include delays, arbitrary refusals, and misrepresentation.
Denying unsubstantiated claims promptly is fair and expected, not an unfair practice.
References:Maryland Insurance Article, § 27-303; MIA claims regulations.

NEW QUESTION # 50
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Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Exam Sample Questions (Q45-Q50):

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