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最新的 Maryland Insurance Accident-and-Health-or-Sickness-Producer 免費考試真題:

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

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

2. A certificate of insurance in a group accident and health plan is:

A) A binding contract between the employer and the insurer
B) Issued to the employer for each insured location
C) Evidence of the employee's insurance coverage
D) A binding contract between the employee and the insurer

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

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

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

A) The insurer utilizes the applicant's automatic bank draft authorization
B) The applicant sends it directly to the insurer with the application
C) The insurer bills the applicant when the application is approved
D) The producer collects and forwards it to the insurer

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

A) Using inappropriate description of a policy to hide the true nature of the policy
B) Filing a complaint on behalf of the consumer with the Maryland Insurance Administration
C) Making a misleading statement about the financial condition of an insurer
D) Making false or misleading statements about dividends previously paid on similar policies

問題與答案：