Updated: Aug 17, 2026
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| Certification Vendor: | Maryland Insurance Administration |
| Exam Name: | Accident and Health or Sickness Producer License Examination |
| Exam Number: | Series 20-24 |
| Certificate Validity Period: | License renewal every 2 years; continuing education required |
| Passing Score: | 70 |
| Real Exam Qty: | 100 |
| Exam Format: | Multiple Choice |
| Available Languages: | English |
| Exam Price: | $68 |
| Related Certifications: | Property and Casualty Producer Life Producer |
| Exam Duration: | 150 minutes |
| Sample Questions: | Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Sample Questions |
| Exam Way: | Computer-based testing at Pearson VUE test centers |
| Pre Condition: | Must be at least 18 years old; no felony convictions related to insurance; completion of pre-licensing education may be required |
| Official Syllabus URL: | https://insurance.maryland.gov/ |
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Field Underwriting and Application Process | 8-12% | - Application procedures - Agent responsibilities in enrollment - Risk classification - Medical underwriting |
| Topic 2: Types of Health Insurance Policies | 20-25% | - Group health insurance - Individual health insurance - Dental and vision insurance - Medicare and Medicaid - Long-term care insurance - Disability income insurance |
| Topic 3: Policy Provisions and Clauses | 18-22% | - Waiting periods - Coverage terms and conditions - Benefit periods - Deductibles and copayments - Preexisting condition clauses - Exclusions and limitations |
| Topic 4: Marketing Practices | 8-12% | - Producer responsibilities - Advertising guidelines - Prohibited practices - Marketing regulations |
| Topic 5: Maryland Insurance Laws and Regulations | 20-25% | - Consumer protection regulations - Privacy and confidentiality requirements - Maryland Insurance Code - Unfair claim settlement practices - Violations and penalty provisions - Producer licensing requirements |
| Topic 6: Social Insurance Programs | 8-12% | - Medicaid programs - CHIP (Children's Health Insurance Program) - Social Security disability benefits - Medicare Part A, B, C, D |
1. Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?
A) Medicare supplement
B) Major medical expense
C) Long-term disability
D) Long-term care insurance
2. Medical expense insurance typically EXCLUDES coverage for:
A) Maternity care benefits
B) Expenses incurred for primarily cosmetic surgery
C) Hospital care extending past 30 days
D) Hospital laboratory tests
3. To be deemed a "qualified employer" under the Maryland Health Benefit Exchange Act, anemployer MUST:
A) Have at least 50% of its employees work in the state of Maryland
B) Have its principal place of business in the state of Maryland
C) Have at least 50% of its employees reside in the state of Maryland
D) Contribute to employee premiums
4. Which statement describes the most likely federal income tax treatment of death benefits paid to the family of an insured under an accident and health insurance policy?
A) Some benefits will usually be taxable
B) Taxation depends on the beneficiary's tax bracket
C) All benefits will be taxable
D) Benefits will not be taxable
5. An accident and health insurance producer is most likely to become liable for professional errors and omissions as the result of:
A) Submitting a premium payment to an insurer in excess of the required amount
B) Misleading a prospective insured in replacing accident and health insurance
C) An accounting error discovered by the producer's accountant
D) Incorrect filing of federal income taxes
Solutions:
| Question # 1 Answer: D | Question # 2 Answer: B | Question # 3 Answer: B | Question # 4 Answer: D | Question # 5 Answer: B |
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