Real Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Questions [2026]-Secrets To Pass Exam In First Try

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

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

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        Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q203-Q208):

        NEW QUESTION # 203
        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 # 204
        Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?

        Answer: B

        Explanation:
        A "period certain" provision ensures payment for a specified period regardless of whether the annuitant survives:
        Period certain (B) guarantees payments for a set number of years, protecting beneficiaries.
        Cost recovery (A) and refund options (C and D) relate to refunding premiums or unpaid amounts but do not guarantee a payment period.
        References: Maryland Annuity Regulations, Payment Options.


        NEW QUESTION # 205
        The designation of a beneficiary by class in a life insurance policy means that:

        Answer: B

        Explanation:
        What "beneficiary by class" means.
        A class designation identifies beneficiaries by group description, not by individual names.
        Examples include:
        "Children of the insured"
        "Surviving spouse"
        How benefits are paid.
        Members of the class who qualify at the insured's death receive proceeds.
        Shares are divided equally unless stated otherwise.
        Evaluate each option.
        A). Business life insurance
        Incorrect. Class designation can be used in personal policies.
        B). No primary beneficiary allowed
        Incorrect. A class can be a primary beneficiary.
        C). Individuals not named
        Correct. The class is described, not named individually.
        D). Unrelated beneficiaries
        Incorrect. Class members are often family.
        Maryland relevance.
        Maryland recognizes class designations as valid beneficiary arrangements.
        Conclusion.
        A class designation means beneficiaries are not named individually.


        NEW QUESTION # 206
        The typical group disability income insurance policy EXCLUDES coverage for disability resulting from:

        Answer: C

        Explanation:
        Group disability policies (Insurance Article, § 15-201) cover accidents like crashes or home injuries, but exclude military service disabilities, often covered by government programs (e.g., VA), reflecting standard exclusions.
        References:Maryland Insurance Article, § 15-201; MIA disability insurance standards.


        NEW QUESTION # 207
        All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:

        Answer: B

        Explanation:
        HMOs (Health-General Article, § 19-701) offer wellness, emergency, and outpatient services. Discounts on spa memberships aren't a standard feature, unrelated to core health care delivery.
        References:Maryland Health-General Article, § 19-701; MIA HMO standards.


        NEW QUESTION # 208
        ......

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