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

Section	Objectives
Topic 1: Life Insurance	- Policy provisions and riders 1. Policy loans and dividends 2. Beneficiaries and settlements - Life insurance policies 1. Universal life insurance 2. Whole life insurance 3. Term life insurance
Topic 2: Accident and Health Insurance	- Policy provisions 1. Exclusions and limitations 2. Coordination of benefits - Health insurance types 1. Disability income insurance 2. Long-term care insurance 3. Medical expense insurance
Topic 3: General Insurance Concepts	- Insurance principles and risk management 1. Insurance contract fundamentals 2. Risk types and management methods
Topic 4: State Law and Regulations	- Insurance producer regulations 1. Ethics and fiduciary duties 2. Licensing requirements

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q55-Q60):

NEW QUESTION # 55
In accident and health insurance underwriting, when the risk imposed by an applicant is similar to the risks imposed by most other applicants, the applicant is:

A. Charged the standard premium rate
B. Required to pay the first year's premium in a lump sum
C. Declined coverage
D. Charged an additional premium for the first three years

Answer: A

Explanation:
Standard risk applicants (Insurance Article, § 15-201) receive the standard premium rate, as their risk aligns with the average pool. Declining coverage or adjusting payment terms applies to higher risks, not standard ones.
References:Maryland Insurance Article, § 15-201; MIA underwriting guidelines.

NEW QUESTION # 56
How many days does a former employee have to convert a group term policy to an individual policy after employment is terminated?

A. 0
B. 1
C. 2
D. 3

Answer: B

Explanation:
Under Maryland insurance law, a terminated employee has 31 days (D) to convert a group term life insurance policy into an individual policy without providing evidence of insurability.
This grace period allows individuals to maintain coverage while securing individual insurance.
10 (A), 20 (B), or 30 days (C) are incorrect, as Maryland mandates a specific 31-day window.
References: Maryland Conversion Rights in Group Life Insurance Policies, Section 15-401 of the Insurance Article.

NEW QUESTION # 57
Medicare Supplement insurance is specifically designed for individuals who:

A. Are ineligible for coverage under an employer group accident and health plan
B. Cannot obtain commercial coverage due to health problems
C. Have low incomes and limited assets
D. Have enrolled in Medicare

Answer: D

Explanation:
Medicare Supplement (Medigap, Insurance Article, § 15-901) is for Medicare enrollees (Parts A and B) to cover gaps, not low-income (Medicaid), uninsurable (pre-ACA pools), or employer-ineligible individuals.
References:Maryland Insurance Article, § 15-901; MIA Medigap rules.

NEW QUESTION # 58
Accident and health policies must cover physically or mentally handicapped dependent children:

A. To age 19
B. For life
C. Until they become self-sustaining
D. To age 25

Answer: B

Explanation:
Maryland law (Insurance Article, § 15-401) requires coverage for handicapped dependent children beyond standard age limits if they're incapable of self-sustaining employment and dependent on the insured. This extends for life, or as long as the policy is active, not limited to ages 19 or 25, nor tied to self-sustainability.
References:Maryland Insurance Article, § 15-401; MIA dependent coverage regulations.

NEW QUESTION # 59
Coverage for the first three pints of blood for Medicare enrollees is:

A. A Medicare Part B benefit
B. A Medicare Part A benefit
C. A Medicare Supplement core benefit
D. A Medicare Supplement additional benefit

Answer: C

Explanation:
Medicare Part A excludes the first three pints of blood for inpatient care, but Medigap core benefits (Insurance Article, § 15-901) cover this cost across all plans (A-J), making it a standard, not additional, benefit. Parts A and B don't include it directly.
References:Maryland Insurance Article, § 15-901; CMS Medicare guidelines.

NEW QUESTION # 60
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