最上級のAccident-and-Health-or-Sickness-Producer試験問題Maryland Insurance Administrationテスト最高成績で最速合格をゲットせよ！
試験準備には最適なAccident-and-Health-or-Sickness-Producer試験問題2025年最新のMaryland Insurance究極な92問があります
質問 # 27
Short-term group disability income insurance:
- A. Often has a benefit period extending up to a maximum of ten years
- B. Frequently provides coverage through age 65 for insureds who are over 55 when they become disabled
- C. Usually coordinates the amount of benefits paid with disability benefits received under Social Security
- D. Usually provides benefits expressed as a percentage of the insured's normal weekly wage, up to a specified weekly maximum
正解：D
解説：
Short-term disability (Insurance Article, § 15-201) pays a percentage of wages (e.g., 50-70%) up to a weekly cap for a short duration (e.g., 13-26 weeks). Coordination with Social Security, 10-year periods, or coverage to age 65 are long-term disability features.
References:Maryland Insurance Article, § 15-201; MIA disability insurance standards.
質問 # 28
All of the following services are covered under the Medicare Supplement preventive care benefit EXCEPT:
- A. Hearing tests
- B. Immunizations
- C. Outpatient prescription vitamins
- D. Routine physical examinations
正解：C
解説：
Medicare Supplement (Medigap, Insurance Article, § 15-901) covers preventive services like immunizations, hearing tests (if Medicare-eligible), and physicals, but outpatient prescription vitamins aren't a standard benefit under Medicare or Medigap.
References:Maryland Insurance Article, § 15-901; CMS Medigap guidelines.
質問 # 29
Under federal law, an insurance producer may be sentenced to prison for:
- A. Embezzling money from an insurance company
- B. Selling insurance with a nonresident license
- C. Suing an insurer over contract violations
- D. Inducing a client to sign an application for insurance
正解：A
解説：
Federal law (18 U.S.C. § 1033) criminalizes embezzlement by a producer, a felony punishable by prison if interstate commerce is affected. Nonresident licensing is a state issue, inducing applications is legal, and suing is a civil action, not criminal.
References:18 U.S.C. § 1033; MIA producer conduct alignment.
質問 # 30
In general practice, can the Maryland Insurance Administration inspect the business records of an insurance company or agency?
- A. No, because only an officer of the court can inspect these records
- B. Yes, because of the powers defined by state laws
- C. No, because of privacy considerations
- D. Yes, because all company and agency records are public domain
正解：B
解説：
Comprehensive and Detailed Step by Step Explanation:The Maryland Insurance Administration (MIA) is authorized to inspect the records of insurers and agencies to ensure compliance with laws:
Yes, because of the powers defined by state laws (B):Correct. The MIA has broad authority under Maryland law to audit, inspect, and investigate insurance business practices.
No, because of privacy considerations (A):Incorrect. Regulatory inspections are exempt from privacy concerns when conducted lawfully.
Only an officer of the court (C):Not required; the MIA operates independently within its legal mandate.
Public domain records (D):Incorrect; insurance records are not publicly accessible unless required by law.
References:Maryland Insurance Article §2-209, COMAR 31.03.01, and Regulatory Oversight Guidelines.
質問 # 31
If an individual's occupation is considered to be illegal:
- A. It may result in a denial of a disability income claim
- B. It results in a substandard rating on an accident and health insurance policy
- C. It must be stated as such on an accident and health insurance application
- D. It may require a waiver on a disability income insurance policy
正解：A
解説：
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.
質問 # 32
Coverage for the first three pints of blood for Medicare enrollees is:
- A. A Medicare Part B benefit
- B. A Medicare Supplement core benefit
- C. A Medicare Part A benefit
- D. A Medicare Supplement additional benefit
正解：B
解説：
Medicare Part A excludes the first three pints of blood for inpatient care, but Medigap core benefits (Insurance Article, § 15-901) cover this cost across all plans (A-J), making it a standard, not additional, benefit. Parts A and B don't include it directly.
References:Maryland Insurance Article, § 15-901; CMS Medicare guidelines.
質問 # 33
Which statement is true of trade association groups eligible for group medical benefits?
- A. The association membership primarily consists of large employers
- B. Such associations are formed for the purpose of purchasing insurance
- C. Members of the association are usually in the same industry
- D. Employer contributions are usually waived
正解：C
解説：
Trade associations (Insurance Article, § 15-1209) group members in the same industry for medical benefits, not solely for insurance, and include small employers with contributions typically required.
References:Maryland Insurance Article, § 15-1209; MIA group insurance rules.
質問 # 34
Giving policyholders some part of the agent's commission as an inducement to purchase insurance is an unfair trade practice known as:
- A. Rebating
- B. Retention
- C. Replacement
- D. Twisting
正解：A
解説：
Rebating (Insurance Article, § 27-212) involves offering part of a commission to entice a purchase, an illegal practice in Maryland unless part of an approved plan. Twisting misrepresentspolicies, replacement swaps coverage, and retention isn't a trade practice term. This protects fair competition.
References:Maryland Insurance Article, § 27-212; MIA trade practice rules.
質問 # 35
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. An appointment
- B. A certificate of authority
- C. A license
- D. A binding agreement
正解：A
解説：
An appointment (Insurance Article, § 10-103) is the formal agreement allowing a producer to sell an insurer's policies for compensation, distinct from a license (producer credential), certificate of authority (insurer's right), or vague binding agreement.
References:Maryland Insurance Article, § 10-103, § 4-101; MIA producer regulations.
質問 # 36
The phrase, "this policy pays $1,800 for hospital room and board expenses," should include the:
- A. Minimum daily benefit and the minimum time limit for hospital room and board expenses
- B. Minimum daily benefit and the maximum time limit for hospital room and board expenses
- C. Maximum daily benefit and the maximum time limit for hospital room and board expenses
- D. Maximum daily benefit and the minimum time limit for hospital room and board expenses
正解：C
解説：
Policy statements (Insurance Article, § 15-201) must clarify benefits with the maximum daily benefit (e.g.,
$200/day) and maximum time limit (e.g., 9 days) to define the $1,800 total. Minimums are irrelevant, and a mix of maximum and minimum limits lacks clarity.
References:Maryland Insurance Article, § 15-201; MIA policy disclosure rules.
質問 # 37
Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:
- A. Applicant's family's consent
- B. Report of a physical examination
- C. Copy of the person's living will
- D. Power of attorney
正解：B
解説：
For non-guaranteed issue long-term care policies (Insurance Article, § 18-107), a physical exam report is required for applicants 80+ to assess risk, not family consent, living wills, or power of attorney.
References:Maryland Insurance Article, § 18-107; MIA LTC underwriting rules.
質問 # 38
The Maryland Insurance Administration is an agency of the:
- A. Maryland General Assembly
- B. Federal government
- C. State government
- D. National Association of Insurance Commissioners
正解：C
解説：
The Maryland Insurance Administration (MIA) is a state agency under Insurance Article, § 2-101, regulating insurance within Maryland. The federal government oversees broader laws, the NAIC is a voluntary group, and the General Assembly legislates, but the MIA operates as an executive state entity.
References:Maryland Insurance Article, § 2-101; MIA official structure.
質問 # 39
In Maryland, continuation of medical plan coverage for a handicapped child beyond the age limit stated in the policy may require proof of the child's:
- A. Dependency for the first two years of continued coverage only
- B. Incapacity only
- C. Continued insurability
- D. Incapacity and dependency upon reaching the age limit
正解：D
解説：
Under Insurance Article, § 15-401, coverage for handicapped children extends beyond age limits if they're incapacitated (unable to work) and dependent on the insured at the age limit. Insurability isn't required, incapacity alone isn't enough, and dependency isn't time-limited to two years.
References:Maryland Insurance Article, § 15-401; MIA dependent coverage rules.
質問 # 40
An insurance adviser's written contract with the client must include all of the following EXCEPT:
- A. Duration of the contract
- B. Disclosure as to whether commissions may be received
- C. Expiration date of the consultant's license
- D. Amount of the fee
正解：C
解説：
Adviser contracts (Insurance Article, § 10-201) require fee amounts, contract duration, and commission disclosure for transparency. The consultant's license expiration is a regulatory detail, not a client contract requirement.
References:Maryland Insurance Article, § 10-201; MIA adviser rules.
質問 # 41
All of the following are considered to be fraud EXCEPT:
- A. Collecting a charge for insurance that is less than the charge applicable to that insurance
- B. Collecting a premium for insurance that is not provided
- C. Collecting a proper premium for insurance that is provided
- D. Willfully collecting a premium that exceeds the amount of the premium
正解：C
解説：
Fraud involves intentional deception for gain (Insurance Article, § 27-401). Overcharging, undercharging deceptively, or charging for nonexistent coverage are fraudulent. Collecting the proper premium for provided insurance is a legitimate transaction and not fraud, making it the exception.
References:Maryland Insurance Article, § 27-401, § 27-212; MIA fraud regulations.
質問 # 42
The typical group disability income insurance policy EXCLUDES coverage for disability resulting from:
- A. Automobile accidents
- B. Injuries occurring in the home
- C. Commercial airline crashes
- D. Military service
正解：D
解説：
Group disability policies (Insurance Article, § 15-201) cover accidents like crashes or home injuries, but exclude military service disabilities, often covered by government programs (e.g., VA), reflecting standard exclusions.
References:Maryland Insurance Article, § 15-201; MIA disability insurance standards.
質問 # 43
The free-look period provided in a life insurance policy is usually:
- A. 45 days
- B. 31 days
- C. 60 days
- D. 10 days
正解：D
解説：
Comprehensive and Detailed Step by Step Explanation:Thefree-look periodis a consumer protection mechanism allowing policyholders to cancel a policy within a specific period for a full refund.
* 10 days (A):Maryland law requires a minimum free-look period of 10 days for life insurance policies, allowing buyers to review the policy without financial obligation.
* 31 days (B), 45 days (C), and 60 days (D):These exceed Maryland's statutory minimum and are not standard requirements unless specifically offered by the insurer.
References:Maryland Free-Look Provisions, COMAR 31.09.09, and Maryland Consumer Protection Act.
質問 # 44
If an insurer pays an individual accident and health insurance claim during a policy's grace period:
- A. The deductible is waived
- B. The amount of unpaid premium may be subtracted from the reimbursement
- C. A 10% service fee is charged
- D. The policy is canceled automatically at the end of the grace period
正解：B
解説：
During the grace period (Insurance Article, § 15-209), insurers can deduct unpaid premiums from claims paid, maintaining coverage without waiving deductibles, charging fees, or auto-canceling.
References:Maryland Insurance Article, § 15-209; MIA policy payment rules.
質問 # 45
When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:
- A. Disability income
- B. Major medical
- C. Dental
- D. Health maintenance organization
正解：A
解説：
Federal tax rules (IRC § 105, § 106) make employer-paid medical benefits (major medical, dental, HMO) tax- free, but disability income benefits are taxable if employer-funded, as they replace income.
References:IRC § 105, § 106; Maryland Insurance Article, § 15-1201; MIA tax guidelines.
質問 # 46
Which one of the following causes of death typically would be included under an accidental death rider attached to a life insurance policy?
- A. Illness or disease
- B. Intentionally self-inflicted injuries
- C. Automobile accidents resulting from the insured's negligence
- D. War or acts of war
正解：C
解説：
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.
質問 # 47
Medicare Supplement insurance is specifically designed for individuals who:
- A. Cannot obtain commercial coverage due to health problems
- B. Are ineligible for coverage under an employer group accident and health plan
- C. Have low incomes and limited assets
- D. Have enrolled in Medicare
正解：D
解説：
Medicare Supplement (Medigap, Insurance Article, § 15-901) is for Medicare enrollees (Parts A and B) to cover gaps, not low-income (Medicaid), uninsurable (pre-ACA pools), or employer-ineligible individuals.
References:Maryland Insurance Article, § 15-901; MIA Medigap rules.
質問 # 48
Accident and health policies must cover physically or mentally handicapped dependent children:
- A. Until they become self-sustaining
- B. To age 19
- C. To age 25
- D. For life
正解：D
解説：
Maryland law (Insurance Article, § 15-401) requires coverage for handicapped dependent children beyond standard age limits if they're incapable of self-sustaining employment and dependent on the insured. This extends for life, or as long as the policy is active, not limited to ages 19 or 25, nor tied to self-sustainability.
References:Maryland Insurance Article, § 15-401; MIA dependent coverage regulations.
質問 # 49
Misrepresenting pertinent policy provisions relating to coverages after a loss is:
- A. An unfair discrimination between individuals
- B. An unfair claim settlement practice
- C. A concealment in insurance applications
- D. A violation of the principle of adhesion
正解：B
解説：
Misrepresenting coverage post-loss (Insurance Article, § 27-303) is an unfair claims practice, deceiving claimants about benefits. Concealment applies pre-policy, discrimination involves unequal treatment, and adhesion relates to contract terms, not claims.
References:Maryland Insurance Article, § 27-303; MIA claims practices.
質問 # 50
All of the following factors may affect premium determination in individual life insurance EXCEPT:
- A. Age
- B. Race
- C. Occupation
- D. Health
正解：B
解説：
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.
質問 # 51
All of the following are true of insurance EXCEPT:
- A. It is a means of sharing losses
- B. It protects against uncertainty
- C. It eliminates risk
- D. It transfers risk
正解：C
解説：
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.
質問 # 52
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