Free Maryland Accident & Health Insurance Practice Exam 2
Prepare for your licensing exam with our realistic state-specific test questions, complete answers, and detailed rationales.
Exam Structure & Overview
Passing the Maryland insurance exam is the ultimate step toward launching your career as a licensed professional. This practice test consists of 25 high-probability questions sampled to match the general composition of topics tested on the real state licensing examination.
Whether you are preparing for the Accident & Health lines or a combined license, practicing with mock questions helps cement concepts, improves time management, and reduces test-day anxiety.
Key Practice Focus Areas
- State Laws & Regulations: Specific rules, licensing duties, and consumer protections.
- Policy Provisions & Options: Standard contract clauses, riders, exclusions, and riders.
- General Principles: Underwriting basics, insurance concepts, and legal requirements.
Recommended Study PathTry this practice exam fully. Review each explanation carefully when an answer is submitted. If you feel ready to unlock the full comprehensive question database, visit the main state hub for deeper exam simulations.
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Test 225 Questions
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General InsuranceContracts & Terminology
The part of the policy that outlines the duties and responsibilities of both the insurer and the insured is the:
Health InsuranceDisability Income
Under Social Security disability benefits, the 'waiting period' before benefits begin is:
General InsuranceInsurance Marketplace
A risk retention group is a liability insurance company that is:
Maryland Insurance Law & EthicsProducer licensing
An agent, Timothy, is renewing his Life and Accident & Health license in Maryland. Under Maryland Insurance Administration (MIA) rules, how many hours of continuing education (CE) must he complete every two years?
Maryland Insurance Law & EthicsUnfair trade practices
An agent, Melissa, gives a prospective client a $50 gift card to convince them to purchase a life insurance policy. What is this practice called under Maryland law?
Health InsuranceLong-Term Care Insurance
An inflation protection feature is crucial for LTC policies. A 'compound inflation protection' feature:
General InsuranceUnderwriting & Policy Issuance
A 'binding receipt' provides:
Health InsuranceTypes of Policies
Which type of policy pays a fixed, per-day benefit for each day the insured is hospitalized, regardless of the actual costs?
General InsuranceInsurance Marketplace
Which of the following describes the role of a surplus lines broker?
Health InsuranceGroup Plans
Under COBRA, a qualified beneficiary who is disabled at the time of the qualifying event may extend their coverage from 18 months to:
Health InsuranceACA / PPACA
What is the Medical Loss Ratio (MLR) requirement for large group health insurance plans under the ACA?
Health InsuranceIndividual Health
ACA marketplace 'metal tiers' (Bronze, Silver, Gold, Platinum) reflect:
Maryland Insurance Law & EthicsGuaranty Association
A resident has a long-term care policy with an insolvent insurer in Maryland. What is the maximum coverage provided by the Maryland Guaranty Association for long-term care benefits?
Health InsuranceTypes of Policies
Which of the following health plans combines features of an HMO and a PPO?
Health InsuranceLong-term Care
The activities of daily living (ADLs) used as benefit triggers in long-term care policies include all of the following EXCEPT:
Health InsuranceMedicare & Medicaid
Medicare Part D provides coverage for:
Maryland Insurance Law & EthicsFree-Look & Grace Periods
An employee, Susan, is covered under a group life insurance policy in Maryland. What is the minimum grace period required for group life insurance premiums?
Health InsuranceTypes of Policies
What is the 'out-of-pocket maximum' or 'stop-loss' in a health insurance policy?
General InsuranceInsurance Marketplace
Which type of insurer is organized to provide insurance benefits to members of a specific religious or social organization?
Health InsuranceTypes of Policies
A basic medical expense policy typically provides coverage for:
Health InsuranceDisability Income
Which of the following is typically used to express the maximum benefit period for a disability income policy?
Health InsuranceACA / PPACA
Under the ACA, a Bronze plan has an actuarial value of approximately 60%. This means that on average the enrollee is expected to pay what percentage of covered medical costs through cost-sharing?
Health InsuranceMedicare & Medicaid
How is Medicare Part B primarily funded?
Health InsuranceDisability Income
The 'residual disability' provision is important for:
Maryland Insurance Law & EthicsUnfair trade practices