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

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

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        Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q77-Q82):

        NEW QUESTION # 77
        In Maryland, a group accident and health certificate of insurance must contain:

        Answer: A

        Explanation:
        Certificates (Insurance Article, § 15-1207) summarize policy features and benefits for group members, not the full contract, physician lists, or financial statements, which are separate or irrelevant. This ensures employees understand their coverage.
        References:Maryland Insurance Article, § 15-1207; MIA group insurance rules.


        NEW QUESTION # 78
        Which one of the following life insurance policies is written to insure two or more individuals with the face amount payable upon the death of the first insured?

        Answer: C

        Explanation:
        Understanding multi-life insurance policies.
        Some policies cover more than one insured under a single contract.
        Evaluate each option.
        A). Modified life
        A premium structure, not a multi-life policy.
        B). Joint and survivorship
        Pays upon the death of the last insured, not the first.
        C). Convertible term
        Refers to conversion rights, not number of insureds.
        D). Joint life
        Correct. Pays the death benefit at the first death.
        Common uses.
        Often used in business arrangements or family protection plans.
        Conclusion.
        A joint life policy pays upon the first death.


        NEW QUESTION # 79
        Prescription drug plans sometimes control expenses by encouraging the use of:

        Answer: D

        Explanation:
        Comprehensive and Detailed in Depth Explanation:
        Prescription drug plans commonly control costs by encouraging members to usegeneric drugs. The Maryland Insurance Administration explains that prescription drug coverage often uses aformulary, or list of covered drugs, arranged by tiers. In Maryland's consumer guidance,Tier 1 is generic drugs, and these are described as
        "lower-cost drugs," while preferred and non-preferred brand-name drugs are placed in higher tiers and generally cost more. Therefore, the correct answer isC. Generic drugs.
        A "legend drug" simply means a drug that generally requires a prescription; it does not specifically identify the lower-cost option. "Federally approved drugs" is too broad because both generic and brand-name drugs may be federally approved. "Brand-name drugs" are usually more expensive than generic drugs, so encouraging brand-name drugs would not typically be the cost-control method tested here. Official Maryland Reference: Maryland Insurance Administration, prescription drug coverage and formulary tiers.


        NEW QUESTION # 80
        When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

        Answer: B

        Explanation:
        Federal tax rules (IRC § 105, § 106) make employer-paid medical benefits (major medical, dental, HMO) tax- free, but disability income benefits are taxable if employer-funded, as they replace income.
        References:IRC § 105, § 106; Maryland Insurance Article, § 15-1201; MIA tax guidelines.


        NEW QUESTION # 81
        All of the following are underwriting criteria for individual life insurance EXCEPT:

        Answer: C

        Explanation:
        Purpose of underwriting criteria.
        Underwriting criteria must relate to risk assessment or policy performance.
        Permissible factors.
        Gender: Historically used where actuarially justified.
        Occupation: Reflects hazard exposure.
        Ability to pay premiums: Ensures policy sustainability.
        Prohibited factors.
        Religion is a protected characteristic and cannot be used in underwriting.
        Maryland anti-discrimination rules.
        Maryland prohibits unfair discrimination unrelated to actuarial risk.
        Conclusion.
        Religion is not a lawful underwriting criterion.


        NEW QUESTION # 82
        ......

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