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

SectionWeightObjectives
Topic 1: Accident and Health / Sickness Insurance20%- HMO, PPO, group vs individual coverage
- Disability income, medical expense, and long-term care
- Mandatory benefits and state-specific health rules
- Health insurance basics and policy provisions
Topic 2: Insurance Regulation30%- Ethics, unfair trade practices, and consumer protection
- Licensing requirements and procedures
- Policy delivery, replacement rules, and disclosure
- State insurance laws and Maryland regulations
Topic 3: Annuities and Retirement Products10%- Fixed, indexed, and variable annuities
- Tax treatment and suitability standards
Topic 4: General Insurance Concepts15%- Underwriting, premium calculation, and taxation
- Insurable interest and risk management
- Contract law and principles
Topic 5: Life Insurance Basics and Policies25%- Types of life insurance: term, whole, universal, variable
- Policy provisions, riders, and options
- Beneficiaries, claims, and settlement options

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q81-Q86):

NEW QUESTION # 81
An accident and health insurance producer is most likely to become liable for professional errors and omissions as the result of:

Answer: A

Explanation:
Errors and omissions liability arises from professional negligence (Insurance Article, § 10-126). Misleading a client about policy replacement (twisting, § 27-203) directly harms them, unlike accounting errors, overpayments, or tax issues, which are internal or personal.
References:Maryland Insurance Article, § 10-126, § 27-203; MIA producer liability rules.


NEW QUESTION # 82
If an insurer pays an individual accident and health insurance claim during a policy's grace period:

Answer: C

Explanation:
During the grace period (Insurance Article, § 15-209), insurers can deduct unpaid premiums from claims paid, maintaining coverage without waiving deductibles, charging fees, or auto-canceling.
References:Maryland Insurance Article, § 15-209; MIA policy payment rules.


NEW QUESTION # 83
A policy of life insurance may not be delivered unless the policy has a:

Answer: A

Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer is A. Legible and brief description of the policy on the first page. Maryland Insurance Article §16-213 states that a life insurance policy, other than group life insurance, may not be delivered or issued for delivery in Maryland unless the policy has a legible and brief description of the policy on the first page. The statute also lists what that brief description must include, such as the policy title, type, or plan; how long premiums are to be paid; whether premiums may change; whether the policy is participating or nonparticipating; and certain other required items. A notary seal, premium coupon book, or insurer financial statement is not the required delivery condition tested here. Official Maryland Reference: Maryland Insurance Article §16-213.


NEW QUESTION # 84
A producer is prohibited from:

Answer: B

Explanation:
Allowing an applicant to sign a blank or incomplete application (B) violates ethical and legal standards, as it undermines transparency and could lead to disputes about coverage or claims.
Selling insurance to family members (A): Permitted as long as the transactions are conducted ethically and comply with Maryland laws.
Countersigning policies (C): Required in certain situations to validate contracts in Maryland.
Splitting commissions with nonresident producers (D): Permissible under Maryland law, provided both producers are licensed and involved in the transaction.
References: Maryland Insurance Administration Producer Conduct Rules, COMAR 31.03.13, and Ethical Standards for Insurance Producers.


NEW QUESTION # 85
Which one of the following causes of loss typically is EXCLUDED under a disability income insurance policy?

Answer: D

Explanation:
Disability income policies (Insurance Article, § 15-201) cover accidents, cancer, and diseases, but exclude intentionally self-inflicted injuries as non-accidental, aligning with standard exclusions to prevent abuse.
References:Maryland Insurance Article, § 15-201; MIA disability insurance standards.


NEW QUESTION # 86
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