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Q15. Group health insurance contracts providing coverage for employees in more than one state are usually controlled by the laws of the state where:

Q16. Medical expense insurance typically EXCLUDES coverage for treatment of:

Q17. The typical group disability income insurance policy EXCLUDES coverage for disability resulting from:

Q18. In dental insurance coverage, which one of the following typically is EXCLUDED?

Q19. A nonprofit health service plan may NOT issue a contract that covers which of the following types of benefits?

Q20. When a single major medical contract covers all medical expenses, the plan is considered to be:

Q21. When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

Q22. In accident and health insurance, a waiting period for pre-existing conditions means that:

Q23. The Maryland Health Insurance Plan is designed to provide comprehensive health benefits for:

Q24. To be deemed a “qualified employer” under the Maryland Health Benefit Exchange Act, anemployer MUST:

Q25. Medical expense insurance typically EXCLUDES coverage for:

Q26. All advertisements for health insurance shall make clear the identity of the:

Q27. Misrepresenting pertinent policy provisions relating to coverages after a loss is:

Q28. All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:

Q29. A health maintenance organization may issue a contract that provides benefits for the following:

Q30. All of the following factors may affect premium determination in individual life insurance EXCEPT:

Q31. A health maintenance organization (HMO) must provide coverage for all of the following EXCEPT:

Q32. Accident and health policies must cover physically or mentally handicapped dependent children:

Q33. An insurance producer or advisor in the State of Maryland can be disciplined by the MarylandInsurance Administration for all of the following EXCEPT:

Q34. All of the following are considered to be fraud EXCEPT:

Q35. 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?

Q36. The Maryland Insurance Administration is an agency of the:

Q37. Which one of the following causes of death typically would be included under an accidental death rider attached to a life insurance policy?

Q38. Which one of the following causes of loss typically is EXCLUDED under a disability income insurance policy?