Producers must complete a total of ____ Continuing Education hours for each two-year licensing 

period

b) 24 hours

Which of these is NOT an Unfair Claims Settlement Practice?

c) offering to settle a claim by arbitration

Interest on death benefits are NOT required to be paid by an insurance company as long as 

proceeds are paid within ___ after the date of the death of the insured

a) 30 days

Under a small group health plan, an insurer is required to provide a newly-married employee at 

least ____ days to add the new spouse to the plan.

c) 60 days.

A producer has indicated to a potential client that the proposed life insurance policy is covered 

by the MD Life and Health Insurance Guaranty Association. This action taken by the producer is

b) prohibited by law

How many days’ notices do the Affordable Care Act require insurers to give before rescinding 

coverage?

d) 30 days

A Medicare Supplement policy may exclude coverage for a preexisting condition for up to ___ 

months

a) 6 months

A producer's renewal date for his/her resident insurance license is on or before

c) the last day of the licensee's birth month

A Maryland insurance producer solicits an insurance policy. In the event of a controversy 

between the insured and the company, the producer is considered to represent the

c) company

Which license if REQUIRED in order to solicit Long Term Care insurance in the State of 

Maryland?

d) health insurance producer license

A producer's license may only be suspended or revoked if the producer

a) has been afforded a right to a hearing

When is an existing health insurance policy required to provide coverage for a newborn child?

b) immediately

John has a criminal record in which he was convicted of a felony that involved dishonesty. 

Under Federal law, how would John be able to engage in insurance transactions?

d) given written consent by the state insurance regulatory agency

In Maryland, an insurance producer cannot sell, solicit, or negotiate policies for an insurer unless 

there is an agreement in place between the producer and insurer. This agreement is called

a) an appointment

A producer has recently died and leaves behind a spouse. In order for the producer's insurance 

business to continue, the Commissioner may issue to the producer's spouse a(n)

b) temporary insurance license

The "Notice to buyer" on the first page of each long-term care policy delivered in MD

a) explains that some long term care costs may not be covered.

A(n) _____ insurance company is one that was formed under the laws of another country outside 

of the US

a) alien

An insurance producer agrees to pay the first monthly premium for an insurance applicant. This 

is called a(n)

b) rebate

A lapsed long term care policy may be reinstated within ____ months of the lapse date if the 

insured was mentally incapacitated.

c) 5 months

______ can be defined as "replacing a policy when it is NOT in the best interest of the client"

c) twisting

John the insurance producer has an insurance license that expires in 6 months. If he files an 

application for renewal before the expiration date, his license will

a) remain in effect until a new one is issued.

A temporary producer license issued in Maryland is valid for up to

d) 15 months

Which of the following actions is REQUIRED by a producer who is replacing an existing life 

insurance policy?

c) submit to the replacing insurer a list of the policies to be replaced.

An eligible employee can be excluded from group health coverage for up to ____ months if 

he/she is considered a "late enrollee"

c) 18 months