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

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

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                              Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q125-Q130):

                              NEW QUESTION # 125
                              An insurance agent ' s license may be revoked for all of the following reasons EXCEPT:

                              Answer: C

                              Explanation:
                              An agent's license can be revoked for serious infractions that violate Maryland's insurance laws:
                              Rebating (B): Prohibited under Maryland's Unfair Trade Practices Act.
                              Felony conviction (C): Grounds for revocation as it questions the agent's moral character.
                              Violating insurance statutes or regulations (D): Includes infractions such as fraud, misrepresentation, or failure to meet ethical standards.
                              Having no insurer appointment for ten days (A): Incorrect. A lack of appointment does not constitute a violation; it only affects the ability to conduct business temporarily.
                              References: Maryland Insurance Article §10-126, COMAR 31.03.02, and Licensing Enforcement Guidelines.


                              NEW QUESTION # 126
                              An employee with $50,000 group life insurance coverage terminates employment and submits an application WITHOUT the initial premium for a $50,000 conversion policy. If the employee dies 15 days later, the insurer would pay:

                              Answer: D

                              Explanation:
                              Group life insurance policies in Maryland typically include a conversion privilege allowing former employees to convert group coverage to an individual policy within a 31-day period after termination, regardless of premium payment status.
                              $50,000 under the group plan (A): Correct. During the 31-day conversion period, the original group coverage remains in effect. If the insured dies during this time, the death benefit is paid under the group plan.
                              $50,000 under the new policy (B and C): Incorrect, as the conversion policy does not become effective until the first premium is paid.
                              Nothing at all (D): Incorrect, as coverage is still active during the conversion period.
                              References: Maryland Insurance Article §15-403, Group Life Insurance Conversion Privileges, and COMAR
                              31.09.05.


                              NEW QUESTION # 127
                              How does the payment of an accelerated benefit affect a life insurance policy?

                              Answer: B


                              NEW QUESTION # 128
                              Which federal government agency enforces the securities laws enacted by Congress?

                              Answer: D

                              Explanation:
                              Role of federal securities regulation.
                              Securities laws regulate investments such as:
                              Stocks
                              Bonds
                              Variable life insurance
                              Variable annuities
                              Authority of the SEC.
                              The Securities and Exchange Commission (SEC) is the federal agency created by Congress to:
                              Enforce federal securities laws
                              Regulate securities markets
                              Protect investors
                              Relevance to insurance producers.
                              Maryland producers selling variable products must:
                              Hold an insurance license, and
                              Be registered with FINRA and regulated by the SEC.
                              Why the other options are incorrect.
                              The other agencies listed do not exist under federal law.
                              Conclusion.
                              The SEC enforces securities laws enacted by Congress.


                              NEW QUESTION # 129
                              Who has the right to change the beneficiary of an accident and health policy with a revocable beneficiary designation?

                              Answer: D

                              Explanation:
                              With a revocable beneficiary (Insurance Article, § 16-201), the policyowner retains the right to change the beneficiary, not the beneficiary, insurer, or producer, who lack such authority.
                              References:Maryland Insurance Article, § 16-201; MIA policy ownership rules.


                              NEW QUESTION # 130
                              ......

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