Higher Test Marks with Free Online Life-and-Accident-Health-Sickness-Producer Exam Practice

Assess the CertsIQ’s updated Life-and-Accident-Health-Sickness-Producer exam questions for free online practice of your Life and Accident and Health or Sickness Producer - Combo (2030) test. Our 2030 dumps questions will enhance your chances of passing the Maryland Insurance Administration Certifications certification exam with higher marks.

Question 1

An individual who is NOT acceptable by an insurer at standard rates because of health, habits, or occupation is called a

Options :

A : rating risk.

B : standard risk.

C : preferred risk.

D : substandard risk.

Answer: D

Question 2

Oklahoma resident Joe served in the military the past 4 years. When he returned and tried to reinstate his individual health insurance policy, he was denied coverage. His producer stated that because he was covered under a government plan he would be required to be re-underwritten as a new applicant subject to more restrictive coverage and increased premiums. Which of the following is TRUE?

Options :

A : Joe is subject to being re-underwritten in terms of his current health conditions because he cannot be penalized with more restrictive coverage.

B : Joe is not required to undergo the initial underwriting process but he cannot be reinstated under his personal plan unless he is free of pre-existing conditions.

C : Joe cannot be denied reinstatement into his same individual health insurance policy that lapsed as a result of Joe becoming covered by a government-sponsored health plan

D : Joe cannot be denied reinstatement in his prior individual health insurance policy unless the federal government denies him coverage based on health conditions unrelated to his military service.

Answer: C

Question 3

The insured is dissatisfied with the handling of a claim. How long does the insured have to bring a lawsuit against the insurer?

Options :

A : 1 year

B : 3 years

C : 5 years

D : 7 years

Answer: C

Question 4

How is ownership of a mutual insurance company evidenced?

Options :

A : ownership of stock

B : bonds of the company

C : ownership of a policy

D : certificate of deposit

Answer: C

Question 5

An alien insurer is which one of the following?

Options :

A : One formed under the laws of Oklahoma.

B : One formed under the laws of a state other than Oklahoma.

C : One formed under the laws of a country other than the United States of America.

D : One formed under the laws of a state geographically bordering Oklahoma.

Answer: C