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Real Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer practice exam questions for easy pass!

Updated: Aug 14, 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
Certificate Validity Period:2 years (renewable)
Related Certifications:Life Producer (Series 20-27)
Life and Accident and Health or Sickness Producer Combo (Series 20-30)
Available Languages:English
Passing Score:70%
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: General Insurance Concepts15%- Policy Provisions
  • 1. Mandatory and optional clauses
    • 2. Exclusions and limitations
      - Fundamental Principles
      • 1. Risk and risk management
        • 2. Contract law and policy structure
          • 3. Insurable interest and indemnity
            Topic 2: Insurance Regulation30%- Licensing
            • 1. General provisions and definitions
              • 2. License issuance, renewal, and termination
                • 3. Initial qualifications and examination
                  - Regulation of Producers
                  • 1. Compensation and commissions
                    • 2. Privacy and confidentiality rules
                      • 3. Unfair trade practices
                        - Providers and Markets
                        • 1. Insurers and health service organizations
                          • 2. HMOs and managed care arrangements
                            Topic 3: Accident and Health Insurance Policies35%- Policy Features
                            • 1. Waiting periods and elimination periods
                              • 2. Benefit structures and limits
                                • 3. Pre-existing conditions and exclusions
                                  - Types of Coverage
                                  • 1. Disability income insurance
                                    • 2. Long-term care insurance
                                      • 3. Medical expense insurance
                                        • 4. Accident-only coverage
                                          Topic 4: Maryland State-Specific Regulations20%- Compliance and Enforcement
                                          • 1. Reporting and recordkeeping
                                            • 2. Penalties and violations
                                              - Statutory Requirements
                                              • 1. Claims handling and settlement rules
                                                • 2. Mandatory benefits and coverage mandates
                                                  • 3. Disclosure and marketing requirements

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

                                                    1. Who has the right to change the beneficiary of an accident and health policy with a revocable beneficiary designation?

                                                    A) The beneficiary
                                                    B) The policyowner
                                                    C) The insurer
                                                    D) The producer


                                                    2. Under which marketing system do insurers solicit customers by mass media advertising and mail without the services of a producer?

                                                    A) Contingent
                                                    B) Captive agent
                                                    C) Direct response
                                                    D) Branch office


                                                    3. Which of the following is a requirement of an insurable risk?

                                                    A) The chance of loss must be calculable.
                                                    B) There must be a large number of different loss exposures.
                                                    C) The loss must be catastrophic.
                                                    D) The loss must be intentional.


                                                    4. A producer may be guilty of misrepresentation if the producer:

                                                    A) Issued a full settlement check expressly releasing the insurer
                                                    B) Denied a claim for failure of the policyholder to prove damages
                                                    C) Failed to disclose exclusions of the policy
                                                    D) Required timely written notice of loss for all claims


                                                    5. An accident and health insurance producer is most likely to become liable for professional errors and omissions as the result of:

                                                    A) Incorrect filing of federal income taxes
                                                    B) Submitting a premium payment to an insurer in excess of the required amount
                                                    C) Misleading a prospective insured in replacing accident and health insurance
                                                    D) An accounting error discovered by the producer's accountant


                                                    Solutions:

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

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