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Download Maryland Insurance Administration : Accident-and-Health-or-Sickness-Producer Questions & Answers as PDF & Test Software

Updated: Aug 19, 2026

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Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Overview:

Certification Vendor:Maryland Insurance Administration
Exam Name:Maryland Accident and Health or Sickness Producer Examination
Exam Number:Series 20-24
Passing Score:70%
Available Languages:English
Related Certifications:Life Producer (Series 20-27)
Life and Accident and Health or Sickness Producer Combo (Series 20-30)
Certificate Validity Period:2 years (renewable)
Exam Format:Multiple-choice, Computer-based
Exam Duration:105 minutes
Real Exam Qty:80 scored + 10 unscored
Exam Price:$60.00 USD
Recommended Training:MIA Candidate Information Bulletin
Exam Registration:Maryland Insurance Administration
Prometric Registration
Sample Questions:Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Sample Questions
Exam Way:Computer-based testing at Prometric test centers; online proctored option available
Pre Condition:At least 18 years old; resident or non-resident; no disqualifying criminal history; pre-licensing education not required since Oct 2024
Official Syllabus URL:https://www.prometric.com/files/2021-09/2024_accident_and_health_or_sickness_producer_9.21.21.pdf

Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Insurance Regulation30%- Providers and Markets
  • 1. HMOs and managed care arrangements
    • 2. Insurers and health service organizations
      - Licensing
      • 1. Initial qualifications and examination
        • 2. License issuance, renewal, and termination
          • 3. General provisions and definitions
            - Regulation of Producers
            • 1. Unfair trade practices
              • 2. Compensation and commissions
                • 3. Privacy and confidentiality rules
                  Topic 2: Accident and Health Insurance Policies35%- Types of Coverage
                  • 1. Disability income insurance
                    • 2. Accident-only coverage
                      • 3. Medical expense insurance
                        • 4. Long-term care insurance
                          - Policy Features
                          • 1. Waiting periods and elimination periods
                            • 2. Benefit structures and limits
                              • 3. Pre-existing conditions and exclusions
                                Topic 3: General Insurance Concepts15%- Fundamental Principles
                                • 1. Risk and risk management
                                  • 2. Contract law and policy structure
                                    • 3. Insurable interest and indemnity
                                      - Policy Provisions
                                      • 1. Mandatory and optional clauses
                                        • 2. Exclusions and limitations
                                          Topic 4: Maryland State-Specific Regulations20%- Compliance and Enforcement
                                          • 1. Penalties and violations
                                            • 2. Reporting and recordkeeping
                                              - Statutory Requirements
                                              • 1. Claims handling and settlement rules
                                                • 2. Disclosure and marketing requirements
                                                  • 3. Mandatory benefits and coverage mandates

                                                    Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 Sample Questions:

                                                    1. When a producer engages in unfair practices, all of the following are true EXCEPT:

                                                    A) The Maryland Insurance Administration can investigate the problem and hold a hearing
                                                    B) The Maryland Insurance Administration can issue a cease and desist order
                                                    C) The Maryland Insurance Administration's decision is final
                                                    D) The Maryland Insurance Administration can suspend the producer's license


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

                                                    A) A nuclear power plant
                                                    B) A state-sponsored centennial celebration
                                                    C) A drug smuggling operation
                                                    D) A skydiving exhibition


                                                    3. Which one of the following causes of loss typically is EXCLUDED under a disability income insurance policy?

                                                    A) Tropical disease
                                                    B) Cancer
                                                    C) Auto accidents
                                                    D) Intentionally self-inflicted injuries


                                                    4. Under Maryland law, the agreement between an insurance producer and insurer under which the insurance producer, for compensation, may sell, solicit, or negotiate policies issued by the insurer is defined as:

                                                    A) A certificate of authority
                                                    B) A license
                                                    C) A binding agreement
                                                    D) An appointment


                                                    5. All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:

                                                    A) Experimental surgery
                                                    B) Well-baby checkups
                                                    C) Immunizations for children
                                                    D) Physical examinations


                                                    Solutions:

                                                    Question # 1
                                                    Answer: C
                                                    Question # 2
                                                    Answer: C
                                                    Question # 3
                                                    Answer: D
                                                    Question # 4
                                                    Answer: D
                                                    Question # 5
                                                    Answer: A

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