Free Maryland Accident & Health Insurance Practice Exam 3
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 325 Questions
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Health InsuranceACA / PPACA
Which ACA provision requires health plans to cover certain preventive services without any cost-sharing to the insured?
Health InsuranceGroup Plans
For small groups, insurers typically use which rating method?
Maryland Insurance Law & EthicsReplacement regulations
A client is replacing their policy. The replacing insurer must provide a free-look period for the new policy. What is the minimum free-look period required for a replacement life policy in Maryland?
Health InsuranceHealth Insurance Basics
A health insurance policy that the insurer can cancel at any time for any reason is classified as:
Health InsuranceMedicare & Medicaid
Which Medigap plans are no longer available for sale to individuals newly eligible for Medicare on or after January 1, 2020?
Health InsuranceTypes of Policies
A High Deductible Health Plan (HDHP) is often paired with a:
Health InsuranceTypes of Policies
The mandatory 'Time Limit on Certain Defenses' provision (similar to the incontestability clause in life insurance) states that after a policy has been in force for how many years the insurer cannot void it for misstatements in the application?
Maryland Insurance Law & EthicsDuties
A foreign insurer is found to have committed an unintentional violation of advertising regulations in Maryland. What is the maximum civil penalty the Commissioner can impose for this violation?
General InsuranceUnderwriting & Policy Issuance
When an insurer approves an application but issues the policy with different terms than applied for (such as a higher premium or an exclusion rider), this is called a:
Maryland Insurance Law & EthicsProducer licensing
A resident applicant, Mark, wishes to obtain an insurance producer license in Maryland. Which of the following is a minimum eligibility requirement for Mark?
General InsuranceBasic Principles
In insurance, the proximate cause of a loss refers to:
Health InsuranceACA / PPACA
Which of the following events would qualify an individual for a Special Enrollment Period (SEP) under the ACA?
Health InsuranceDisability Insurance
The 'own occupation' definition of total disability means the insured is unable to perform:
Health InsuranceMedicare & Medicaid
To be eligible for Medicare due to disability, an individual must have been receiving Social Security disability benefits for:
General InsuranceContracts & Terminology
The 'entire contract' provision in an insurance policy states that:
General InsuranceContracts Terminology
An insurance contract is classified as a contract of adhesion because:
Health InsuranceGroup Plans
When a group health plan is terminated, the insurer must provide:
Health InsuranceGroup Plans
What happens to COBRA eligibility if a former employee becomes eligible for Medicare?
Health InsuranceMedicare & Medicaid
If a person has group health coverage through their employer after age 65, when should they enroll in Medicare Part B?
Health InsuranceACA
Under the ACA employer mandate for ALEs with 100+ employees in 2015 and 50+ in 2016 and beyond:
General InsuranceContracts Terminology
The waiver of a known legal right or advantage by one party to an insurance contract is called:
Health InsuranceDisability Income
'Presumptive disability' in a disability income policy means:
Maryland Insurance Law & EthicsClaims handling
An insurer receives an inquiry from Maryland Insurance Administration (MIA) regarding a customer's claim. Within how many days must the insurer provide a complete response to Maryland Insurance Administration (MIA)?
Health InsuranceACA / PPACA
An Applicable Large Employer fails to offer affordable, minimum value coverage to its full-time employees. Under the ACA employer mandate, what is the potential consequence?
Maryland Insurance Law & EthicsProducer licensing