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NO.40 In Maryland, a group accident and health certificate of insurance must contain:

NO.41 A producer may be guilty of misrepresentation if the producer:

NO.42 All of the following are basic underwriting actions in accident and health insurance EXCEPT:

NO.43 All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:

NO.44 All of the following factors may affect premium determination in individual life insurance EXCEPT:

NO.45 Disability income insurance premiums are a deductible expense when the premiums are paid by:

NO.46 An insurer may pay a commission directly or indirectly to:

NO.47 An insurance policy could be issued to cover losses resulting from any of the following EXCEPT:

NO.48 Which of the following is NOT a mandated benefit in Maryland?

NO.49 Misrepresenting pertinent policy provisions relating to coverages after a loss is:

NO.50 All of the following services are covered under the Medicare Supplement preventive care benefit EXCEPT:

NO.51 All of the following are characteristics of a preferred risk applicant for disability income insurance EXCEPT:

NO.52 All of the following are considered to be fraud EXCEPT:

NO.53 The typical group disability income insurance policy EXCLUDES coverage for disability resulting from:

NO.54 In general practice, can the Maryland Insurance Administration inspect the business records of an insurance company or agency?

NO.55 If an individual’s occupation is considered to be illegal:

NO.56 An accident and health insurance producer is most likely to become liable for professional errors and omissions as the result of:

NO.57 In HMO coverage, all of the following services must be available 24 hours per day, 7 days per week EXCEPT:

NO.58 Who has the right to change the beneficiary of an accident and health policy with a revocable beneficiary designation?

NO.59 The Maryland Insurance Administration is an agency of the:

NO.60 Which one of the following causes of loss typically is EXCLUDED under a disability income insurance policy?

NO.61 A disability income insurance policy typically provides coverage for disabilities resulting from:

NO.62 In Maryland, an insurance producer is a person who solicits, negotiates, or sells insurance plans PRIMARILY in conjunction with:

NO.63 Pat owns a small business and is interested in enrolling her son in the Maryland Children’s Health Insurance Program. Which of the following is the MOST appropriate person for Pat to contact for enrollment?