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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Accident and Health / Sickness Insurance | 20% | - HMO, PPO, group vs individual coverage - Mandatory benefits and state-specific health rules - Health insurance basics and policy provisions - Disability income, medical expense, and long-term care |
| Topic 2: Life Insurance Basics and Policies | 25% | - Beneficiaries, claims, and settlement options - Types of life insurance: term, whole, universal, variable - Policy provisions, riders, and options |
| Topic 3: General Insurance Concepts | 15% | - Insurable interest and risk management - Underwriting, premium calculation, and taxation - Contract law and principles |
| Topic 4: Insurance Regulation | 30% | - Licensing requirements and procedures - Policy delivery, replacement rules, and disclosure - State insurance laws and Maryland regulations - Ethics, unfair trade practices, and consumer protection |
| Topic 5: Annuities and Retirement Products | 10% | - Tax treatment and suitability standards - Fixed, indexed, and variable annuities |
>> Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Topics Pdf <<
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NEW QUESTION # 226
An insurer may pay a commission directly or indirectly to:
Answer: A
Explanation:
Commissions (Insurance Article, § 10-103) require a license, but a producer earning a commission while licensed can be paid post-termination. Unlicensed individuals or brokers can't legally receive commissions.
References:Maryland Insurance Article, § 10-103, § 10-130, § 3-306; MIA commission rules.
NEW QUESTION # 227
An insurance adviser's written contract with the client must include all of the following EXCEPT:
Answer: A
Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer is A. Expiration date of the consultant's license. Maryland law requires an agreement between an insurance adviser and another person to be in writing, executed in duplicate, delivered to and kept by the client, and to plainly state the amount of the fee paid or to be paid and the services to be performed by the adviser. The agreement must also be in the form currently approved by the Commissioner. The expiration date of the adviser's license is not listed as a required item in the client contract.
The amount of the fee is specifically required. The scope, timing, or duration of advisory services may be part of the services to be performed under the approved agreement form. Compensation disclosures are important because Maryland law separately states that an adviser's license does not authorize the adviser to receive compensation from an insurer or insurance producer for the sale or placement of insurance. Official Maryland References: Maryland Insurance Article §10-215 and §10-208.
NEW QUESTION # 228
Which medical care benefits are emphasized in HMO plans?
Answer: A
Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer isB. Preventive care. Health Maintenance Organizations, or HMOs, are designed around managed care, network-based care, and controlling costs by encouraging early treatment, wellness, and prevention. Maryland's Health-General Article requires an HMO's plan to show that it has an active program forpreventing illness, disability, and hospitalizationamong its members, and that services designed to prevent major health problems and improve general health are provided by the HMO.
Emergency care, home health care, and other services may be covered under appropriate circumstances, but they are not the primary medical care benefit emphasized by the HMO model. Alternative medicine is not the core HMO emphasis. Official Maryland Reference: Maryland Health-General Article §19-705.1, HMO quality of care and preventive programs.
NEW QUESTION # 229
When the owner of a life insurance policy reserves the right to change the beneficiary, the arrangement is called:
Answer: A
Explanation:
Beneficiary designation concepts.
Life insurance policies allow the owner to name beneficiaries who receive proceeds at death.
Revocable vs. irrevocable designations.
A revocable beneficiary can be changed by the policyowner at any time without the beneficiary's consent.
An irrevocable beneficiary cannot be changed without the beneficiary's written consent.
Evaluate each option.
A). Contingent designation
Refers to a secondary beneficiary, not the right to change.
B). Irrevocable designation
Opposite of the described situation.
C). Contestable designation
Not a valid beneficiary term.
D). Revocable designation
Correct. This allows the policyowner to change beneficiaries.
Maryland relevance.
Maryland recognizes revocable beneficiary designations unless the policy specifically states otherwise.
Conclusion.
Reserving the right to change beneficiaries is a revocable designation.
NEW QUESTION # 230
Who usually selects the beneficiary of a life insurance policy?
Answer: B
Explanation:
Ownership rights in life insurance.
The policyowner controls key policy decisions, including:
Naming beneficiaries
Changing beneficiaries (if revocable)
Assigning ownership
Why the policyowner selects the beneficiary.
The beneficiary designation reflects the policyowner's intent regarding who receives proceeds.
Why the other options are incorrect.
Insurer: Issues the policy but does not control beneficiary choices.
Beneficiary: Cannot designate themselves unless they are also the owner.
Producer: May advise but cannot select beneficiaries.
Maryland legal relevance.
Maryland law enforces beneficiary designations as written unless changed by the policyowner.
Conclusion.
The policyowner usually selects the beneficiary.
NEW QUESTION # 231
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