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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Insurance Basics and Policies | 25% | - Policy provisions, riders, and options - Beneficiaries, claims, and settlement options - Types of life insurance: term, whole, universal, variable |
| Topic 2: Accident and Health / Sickness Insurance | 20% | - Health insurance basics and policy provisions - HMO, PPO, group vs individual coverage - Mandatory benefits and state-specific health rules - Disability income, medical expense, and long-term care |
| Topic 3: Annuities and Retirement Products | 10% | - Tax treatment and suitability standards - Fixed, indexed, and variable annuities |
| Topic 4: General Insurance Concepts | 15% | - Underwriting, premium calculation, and taxation - Insurable interest and risk management - Contract law and principles |
| Topic 5: Insurance Regulation | 30% | - Licensing requirements and procedures - Policy delivery, replacement rules, and disclosure - Ethics, unfair trade practices, and consumer protection - State insurance laws and Maryland regulations |
Medical charges that fall within the range of fees normally charged for a given procedure in a certain geographical area are called:
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Which of the following is NOT a mandated benefit in Maryland?
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An insurance producer provided several examples to the applicant persuasively demonstrating that the insurance coverage offered under his company's policy was superior to a competitor's product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?
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In general practice, which one of the following is true of the powers of the Maryland Insurance Administration with respect to access to a producer's business records?
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Dental insurance typically excludes coverage for:
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