Accident and health insurance certificate
Multiple employer welfare arrangement plan
Medicare supplement policy
A hospital service corporation
A health maintenance organization
A group health plan
A reciprocal insurer
She must obtain a nonresident license.
She must obtain a surplus lines agent's license.
She must obtain a restricted license.
Nothing, because she is already licensed as an agent.
She must move to North Carolina.
She must surrender her Maryland license.
She must be sponsored by an agent licensed in North Carolina.
She must show her license to be in good standing in Maryland.
The PPO will deny all claims from the provider.
The PPO will require Harry to pay higher copayments and deductibles if he sees a nonparticipating provider.
The PPO will increase Harry's deductible if he sees a nonparticipating provider.
The PPO may limit coverage if Harry receives health-care services from a nonparticipating provider.
Examining insurers' financial statements
Enforcing insurance laws
Issuing regulations to administer insurance laws
Prosecuting individuals for violating insurance laws
Larry, who receives insurance applications from the public
Brian, who is a vice president in AllPro's human resources department and does not receive commissions
Susan, who collects insurance premiums for AllPro
Jennifer, who solicits insurance policies for AllPro and receives commissions
Failing to promptly acknowledge communications about claims
Failing to promptly settle a claim for which liability is uncertain
Offering to settle claims for less than due to encourage litigation
Raising policy defenses to reduce a claim
Acceptable marketing and underwriting practices
Unfair and prohibited business practices
The employee benefit plan may limit his benefits because he is eligible for Medicaid.
The employee benefit plan may deny him a policy.
The employee benefit plan may not take into account the fact that Anthony is receiving Medicaid benefits when paying benefits.
The employee benefit plan may require Anthony to pay a higher premium than other employees.
A group health insurance policy is required to cover treatment for chemical dependency.
A group health insurance policy can provide different benefits for chemical dependency than for other illnesses.
A group health insurance policy cannot set limits on the amount of benefits payable for chemical dependency.
A group policyholder must have the option to purchase coverage for chemical dependency treatment.
Credit life and health policy
Surplus lines policy
Industrial health policy
Frank, who owns 50 percent of the company and works full-time
Rachel, who works 30 hours per week in the accounting department
Sebastian, who works part-time for the company during the fall and winter
Anna, who is a vice president in the company and works 40 hours per week
Notify the applicant that he has the right to be interviewed in connection with the report
Obtain the applicant's signed consent before obtaining the report
Notify the applicant that he has the right to prepare his own report
Require the applicant to sign an affidavit attesting to the truth of the statements in the report
Accident and illness indemnity
Preventive care review
Notify individuals about the company’s privacy practices.
Describe conditions under which the company may disclose the information to other parties.
Provide methods for individuals to prevent disclosure of the information.
Provide individuals with copies of documents disclosed to other parties.
It is required of a diligent agent.
It is prohibited by the entire contract provision.
It is permitted only when it is in the insurer’s best interests.
It is prohibited unless the insured agrees to it in writing.
Mammograms every year beginning at age 30
Medicine and treatment for diabetes
Prostate cancer screening tests
Cervical cancer screening
Before disclosing information to law enforcement agencies who are investigating insurance fraud
Before disclosing information in response to an administrative order
Before disclosing information to third parties for telemarketing and sales purposes
Before disclosing information to a consumer reporting agency
A common carrier, covering all passengers
A school, covering students
An employer, covering employees
A family, covering family members
Ed, who had been working at RJ Industries for one month before his coverage terminated
Myrna, whose coverage terminated due to nonpayment of premium
Jane, whose former policy was replaced by another group policy two weeks after it terminated
Ravi, who had been working at ABC Corporation for six years when the plan terminated because the insurer stopped offering plans in the state
Failing to meet projected sales goals
Having an agent's license denied or suspended in another state
Forging an individual's name on an insurance application
Accepting insurance from an unlicensed individual
One-half of Jim's debt
The total amount of Jim's debt
The total amount of Jim's debt plus a premium for extra costs
One-third of Jim's debt
The insurer can exclude coverage for up to six months.
The insurer can exclude coverage for up to one year.
The insurer may not exclude coverage for Abby's pre-existing condition.
The insurer may limit coverage only if Abby's pre-existing condition was specifically defined in the policy.
Agent Smith's license will be revoked.
Agent Smith's license may be suspended for up to two years.
Agent Smith can be sanctioned but not disciplined.
Agent Smith will not be punished because he does not have a fiduciary duty to report the crime.
Advise him to file suit
Advise him to wait
Advise him to file proof of loss again
Advise him to cancel the policy
From birth to the first birthday
From birth to 30 days
From birth to the end of the first calendar year
From birth to the policy renewal date
Emily has committed a felony.
Emily is not required to be licensed to solicit policies and accept premiums.
Emily has not committed any type of unlawful act.
Emily has committed a Class 1 misdemeanor.
An employee must provide evidence of insurability to convert to an individual policy.
An employee must complete an application and pay the first premium within six months after coverage terminates.
A person will not have the right to convert a policy if it was terminated due to nonpayment of premium.
A person must prove that he or she is uninsurable to convert to an individual policy.
The new policy must cover individuals who were insured under the prior plan.
The new policy may exclude individuals who were insured under the prior plan if they have preexisting conditions.
The new policy may exclude individuals who were insured under the prior plan if they previously submitted claims for hospital confinement or pregnancy.
The new policy may only exclude employees with claims exceeding specified levels from the new plan.
Wife of a disabled producer
Surviving spouse of a deceased producer
Person designated by a producer on active military duty
Parttime producer of a licensed agency
It is recommended when selling health insurance.
It is prohibited at all times.
It is required when selling to Medicare-eligible individuals.
It is highly regulated by the Insurance Department.
Good reputation and character
18 years of age
Credit accident and health insurance
Debtor accident and health insurance
Double indemnity insurance
Family maintenance insurance
Obtain a restricted agent's license
Obtain a surplus lines license
Become a licensed agent with a specialty in fraternal lines insurance
Comply with the same general licensing requirements that apply to resident agents