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

SectionObjectives
Topic 1: Life Insurance- Life policy provisions and riders
- Types of life insurance policies
  • 1. Whole life insurance
    • 2. Term life insurance
      • 3. Universal life insurance
        Topic 2: State Insurance Regulations- Producer licensing requirements
        - Unfair trade practices and compliance
        Topic 3: Ethics and Professional Conduct- Ethical responsibilities of insurance producers
        - Consumer protection standards
        Topic 4: Federal Regulations and Taxation- Tax treatment of insurance products
        - Federal insurance-related regulations
        Topic 5: Accident and Health Insurance- Disability income and medical expense coverage
        - Health insurance plans and structures
        Topic 6: Insurance Fundamentals- Insurable interest and risk management concepts
        - Basic insurance principles
        Topic 7: Policy Provisions and Options- Standard policy provisions
        - Beneficiaries and policy ownership
        Topic 8: Annuities- Accumulation and payout options
        - Annuity types and features

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        Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q213-Q218):

        NEW QUESTION # 213
        Responsibilities of the life insurance producer in the process of underwriting include all of the following EXCEPT:

        Answer: D

        Explanation:
        Role of the producer vs. the insurer in underwriting.
        In Maryland, underwriting authority belongs to the insurer, not the producer.
        Producers act as field underwriters, collecting information but not making final decisions.
        Evaluate each option.
        A). Gathering complete application information
        This is a core producer responsibility.
        B). Determining the final rate classification
        Incorrect. Only the insurer's underwriting department assigns rate classes.
        C). Seeking additional information requested by the insurer
        Producers commonly assist in obtaining medical records or clarifications.
        D). Notifying the insurer of material information
        Maryland law requires disclosure of material facts affecting insurability.
        Conclusion.
        The producer does not determine final underwriting classifications, making option B correct.


        NEW QUESTION # 214
        The income benefits distributed during the liquidation phase of an annuity contract are normally payable to:

        Answer: C

        Explanation:
        During the liquidation (or payout) phase of an annuity, the annuitant receives periodic payments:
        The annuitant (D) is the individual designated to receive the payments, as they are the insured party in the contract.
        The owner (A) is often the annuitant but may differ; the owner controls the contract but does not necessarily receive payments.
        The beneficiary (B) receives the death benefit if the annuitant passes away, not the periodic payments.
        " Nominator " (C) is not relevant terminology in annuities.
        References: Maryland Insurance Guidelines on Annuities, Payment Distribution, and Liquidation.


        NEW QUESTION # 215
        All of the following are examples of unfair claims settlement practices EXCEPT:

        Answer: D

        Explanation:
        Unfair practices (Insurance Article, § 27-303) include delays, arbitrary refusals, and misrepresentation.
        Denying unsubstantiated claims promptly is fair and expected, not an unfair practice.
        References:Maryland Insurance Article, § 27-303; MIA claims regulations.


        NEW QUESTION # 216
        (Which statement is true about a term life insurance policy?)

        Answer: A

        Explanation:
        Comprehensive and Detailed Step by Step Explanation:
        * Term life is temporary protection:It covers the insured for a set period (10, 20, 30 years, etc.). That is the defining feature.
        * Why B is correct:"Temporary protection" is the hallmark of term insurance.
        * Why the others are wrong:
        * A: Term lifetypically has no cash value(cash value is a permanent life feature like whole life).
        * C: Term can be written for many lengths (often 10-30 years), not limited to 5 years or less.
        * D: Renewals are commonlyat higher premiumsbased on attained age, not usually the same premium.
        * Maryland reference:When an insurer/producer describes coverage terms, they must not provideincomplete or misleading disclosure of policy provisions-Maryland treats that as misrepresentation.


        NEW QUESTION # 217
        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:

        Answer: B

        Explanation:
        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.


        NEW QUESTION # 218
        ......

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