EMT Practice Test

1. Question Content...

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Question1: Misrepresenting pertinent policy provisions relating to coverages after a loss is:

Question2: A producer may be guilty of misrepresentation if the producer:

Question3: An insurer may pay a commission directly or indirectly to:

Question4: Which of the following is NOT a mandated benefit in Maryland?

Question5: Giving policyholders some part of the agent's commission as an inducement to purchase insurance is an unfair trade practice known as:

Question6: All of the following are true of insurance EXCEPT:

Question7: To be eligible for major medical extended care benefits, a patient must:

Question8: In HMO coverage, all of the following services must be available 24 hours per day, 7 days per week EXCEPT:

Question9: Pat owns a small business and is interested in enrolling her son in the Maryland Children's Health Insurance Program. Which of the following is the MOST appropriate person for Pat to contact for enrollment?

Question10: Which one of the following causes of death typically would be included under an accidental death rider attached to a life insurance policy?

Question11: All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:

Question12: Under federal law, an insurance producer may be sentenced to prison for:

Question13: The phrase, "this policy pays $1,800 for hospital room and board expenses," should include the:

Question14: An insurance producer or advisor in the State of Maryland can be disciplined by the MarylandInsurance Administration for all of the following EXCEPT:

Question15: Medical charges that fall within the range of fees normally charged for a given procedure in a certain geographical area are called:

Question16: It is unlawful for a person to provide an advertisement that:

Question17: When a producer engages in unfair practices, all of the following are true EXCEPT:

Question18: Which type of Medicare Supplement information can be used without prior state approval?

Question19: All of the following factors may affect premium determination in individual life insurance EXCEPT:

Question20: Which benefit is usually excluded from major medical expense plan coverage?

Question21: A nonprofit health service plan may NOT issue a contract that covers which of the following types of benefits?

Question22: The Maryland Health Insurance Plan is designed to provide comprehensive health benefits for:

Question23: In general practice, can the Maryland Insurance Administration inspect the business records of an insurance company or agency?

Question24: In Maryland, continuation of medical plan coverage for a handicapped child beyond the age limit stated in the policy may require proof of the child's:

Question25: All of the following are characteristics of a preferred risk applicant for disability income insurance EXCEPT:

Question26: Group health insurance contracts providing coverage for employees in more than one state are usually controlled by the laws of the state where:

Question27: All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:

Question28: The typical group disability income insurance policy EXCLUDES coverage for disability resulting from:

Question29: When a single major medical contract covers all medical expenses, the plan is considered to be:

Question30: Which one of the following causes of loss typically is EXCLUDED under a disability income insurance policy?

Question31: Which statement is true of trade association groups eligible for group medical benefits?

Question32: A policy of life insurance may NOT be delivered unless the policy has a:

Question33: An insurance adviser's written contract with the client must include all of the following EXCEPT:

Question34: An insured's statements on an accident and health insurance application are deemed to be:

Question35: Disability income insurance premiums are a deductible expense when the premiums are paid by:

Question36: An elimination period in a disability income insurance policy is the:

Question37: The free-look period provided in a life insurance policy is usually:

Question38: Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:

Question39: Coverage for the first three pints of blood for Medicare enrollees is:

Question40: All advertisements for health insurance shall make clear the identity of the: