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全面的新版Accident-and-Health-or-Sickness-Producer題庫，高質量的學習資料幫助妳快速通過Accident-and-Health-or-Sickness-Producer考試

KaoGuTi 考題網剛剛更新的 Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer 題庫和大家分享了，如果你正在準備 Accident-and-Health-or-Sickness-Producer 考試的話，可以憑藉這份最新的題庫指定有效的複習計畫。更新後的考題涵蓋了考試中心的正式考試的所有的題目。確保了考生能順利通過 Accident-and-Health-or-Sickness-Producer 考試，獲得 Maryland Insurance Administration 認證證照。這個考古題是由我們提供的。每個人都有潛能的，所以，當面對壓力時，要相信自己，一切都能處理得好。

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>> 新版Accident-and-Health-or-Sickness-Producer題庫 <<

專業的Maryland Insurance Administration 新版Accident-and-Health-or-Sickness-Producer題庫是行業領先材料＆值得信賴的Accident-and-Health-or-Sickness-Producer：MarylandAccident and Health or Sickness Producer Series 20-24 Exam

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最新的 Maryland Insurance Accident-and-Health-or-Sickness-Producer 免費考試真題 (Q27-Q32):

問題 #27
When the insured's willful failure to disclose a material fact at the time of application is discovered by the insurer shortly after the policy is issued:

• A. The insurer must continue the insurance policy in full force
• B. The insurer may cancel the policy only at the expiration or renewal date
• C. The policy is voidable at the insurer's option
• D. The policy is automatically void

答案：C

解題說明：
A material misrepresentation (Insurance Article, § 12-206) allows the insurer to void the policy within the contestability period (typically 2 years) if willful. It's not automatically void, nor must it continue or wait until renewal; the insurer decides based on materiality.
References:Maryland Insurance Article, § 12-206; MIA misrepresentation rules.

問題 #28
A disability income insurance policy typically provides coverage for disabilities resulting from:

• A. Occupational accidents only
• B. Sickness only
• C. Accidents only
• D. Both accidents and sickness

答案：D

解題說明：
Disability income policies (Insurance Article, § 15-201) cover both accidents and sickness, providing broad income protection, not limited to one cause or occupational incidents.
References:Maryland Insurance Article, § 15-201; MIA disability standards.

問題 #29
An insured incurs a covered accident and health insurance loss on May 30, which is submitted to the insurer on June 8. If the insured terminated coverage on June 1, the insurer:

• A. Must pay the claim upon receipt of the proof of loss
• B. Can refuse to pay the claim under the pre-existing conditions exclusion
• C. Must pay the claim within one year of termination of coverage
• D. Can refuse to pay the claim because coverage has been terminated

答案：A

解題說明：
A loss on May 30, while covered (Insurance Article, § 15-201), obligates the insurer to pay upon proof, despite termination on June 1. Termination or pre-existing exclusions don't negate prior coverage, and no one- year rule applies.
References:Maryland Insurance Article, § 15-201; MIA claims rules.

問題 #30
Pre-existing conditions include conditions of health that:

• A. Develop after the effective date of the policy but before the expiration of the time limit on certain defenses
• B. Have been medically treated or diagnosed prior to the effective date of coverage
• C. Must exist before an applicant can be accepted by an insurer
• D. Are never insurable under any circumstances or degree of severity

答案：B

解題說明：
Pre-existing conditions (Insurance Article, § 15-109) are those treated or diagnosed before coverage begins, often subject to exclusions or waiting periods, unlike new conditions or uninsurable absolutes.
References:Maryland Insurance Article, § 15-109; MIA pre-existing condition rules.

問題 #31
The Maryland Insurance Administration is an agency of the:

• A. State government
• B. Federal government
• C. Maryland General Assembly
• D. National Association of Insurance Commissioners

答案：A

解題說明：
The Maryland Insurance Administration (MIA) is a state agency under Insurance Article, § 2-101, regulating insurance within Maryland. The federal government oversees broader laws, the NAIC is a voluntary group, and the General Assembly legislates, but the MIA operates as an executive state entity.
References:Maryland Insurance Article, § 2-101; MIA official structure.

問題 #32
......

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