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Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Syllabus Topics:

Section	Weight	Objectives
Annuities and Retirement Products	10%	- Tax treatment and suitability standards - Fixed, indexed, and variable annuities
General Insurance Concepts	15%	- Contract law and principles - Insurable interest and risk management - Underwriting, premium calculation, and taxation
Insurance Regulation	30%	- Policy delivery, replacement rules, and disclosure - Licensing requirements and procedures - State insurance laws and Maryland regulations - Ethics, unfair trade practices, and consumer protection
Life Insurance Basics and Policies	25%	- Beneficiaries, claims, and settlement options - Policy provisions, riders, and options - Types of life insurance: term, whole, universal, variable
Accident and Health / Sickness Insurance	20%	- Disability income, medical expense, and long-term care - Health insurance basics and policy provisions - Mandatory benefits and state-specific health rules - HMO, PPO, group vs individual coverage

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q73-Q78):

NEW QUESTION # 73
Which advantage is available to employees participating in a qualified profit-sharing plan?

A. The contributions are excluded from current taxable income to the employee
B. Investment earnings on the plan contributions are received by the employee income tax free
C. The employees have the option of a defined benefit or defined contribution plan
D. Employees can avoid tax penalties on premature distributions

Answer: A

Explanation:
Nature of qualified profit-sharing plans.
Profit-sharing plans are qualified retirement plans under federal tax law.
Tax treatment of contributions.
Employer contributions to the plan are not included in the employee's current taxable income.
Taxes are deferred until distribution.
Why the other options are incorrect.
A). Avoid penalties: Early distributions may still be penalized.
C). Defined benefit vs. defined contribution: Profit-sharing plans are defined contribution plans only.
D). Earnings tax-free: Earnings are tax-deferred, not tax-free.
Maryland tax conformity.
Maryland generally follows federal income tax treatment for qualified plans.
Conclusion.
The key advantage is current income tax exclusion of contributions.

NEW QUESTION # 74
All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:

A. Experimental surgery
B. Immunizations for children
C. Physical examinations
D. Well-baby checkups

Answer: A

Explanation:
HMOs (Health-General Article, § 19-701) provide preventive care like checkups, immunizations, and exams.
Experimental surgery isn't preventive or standard, making it the exception to covered services.
References:Maryland Health-General Article, § 19-701; MIA HMO guidelines.

NEW QUESTION # 75
Which statement describes the most likely federal income tax treatment of death benefits paid to the family of an insured under an accident and health insurance policy?

A. Taxation depends on the beneficiary's tax bracket
B. Benefits will not be taxable
C. All benefits will be taxable
D. Some benefits will usually be taxable

Answer: B

Explanation:
Death benefits from accident and health policies (e.g., accidental death, IRC § 101) are generally tax-free to beneficiaries. Partial or full taxation is rare unless tied to taxable settlements, and tax brackets don't determine this exemption.
References:IRC § 101; MIA tax treatment guidelines.

NEW QUESTION # 76
Which statement is true of trade association groups eligible for group medical benefits?

A. Such associations are formed for the purpose of purchasing insurance
B. Employer contributions are usually waived
C. Members of the association are usually in the same industry
D. The association membership primarily consists of large employers

Answer: C

Explanation:
Trade associations (Insurance Article, § 15-1209) group members in the same industry for medical benefits, not solely for insurance, and include small employers with contributions typically required.
References:Maryland Insurance Article, § 15-1209; MIA group insurance rules.

NEW QUESTION # 77
When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

A. Major medical
B. Disability income
C. Dental
D. Health maintenance organization

Answer: B

Explanation:
Federal tax rules (IRC § 105, § 106) make employer-paid medical benefits (major medical, dental, HMO) tax- free, but disability income benefits are taxable if employer-funded, as they replace income.
References:IRC § 105, § 106; Maryland Insurance Article, § 15-1201; MIA tax guidelines.

NEW QUESTION # 78
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