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

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

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q83-Q88):

NEW QUESTION # 83
The purpose of regulation of insurance advertising is to do all of the following EXCEPT:

Answer: D

Explanation:
Purpose of insurance advertising regulation in Maryland.
Maryland regulates insurance advertising to protect consumers from misrepresentation, deception, and unfair trade practices.
Advertising rules are designed to ensure honesty, accuracy, and fair competition.
Evaluate each option.
A). Establish minimum standards of conduct
Correct. Maryland sets minimum advertising standards to ensure ethical practices.
B). Prevent unfair competition among insurers
Correct. Advertising rules prevent insurers from gaining an unfair advantage through misleading claims.
C). Maintain a low profile for insurance products
Incorrect. Regulators do not restrict visibility or promotion of insurance products; they regulate how products are advertised, not whether they are promoted.
D). Present an accurate description of insurance to the public
Correct. Accuracy and clarity are primary goals of Maryland insurance advertising regulation.
Conclusion.
Maintaining a low profile is not a regulatory goal, making option C the correct answer.


NEW QUESTION # 84
In accident and health insurance, a waiting period for pre-existing conditions means that:

Answer: B

Explanation:
A waiting period (Insurance Article, § 15-109) delays coverage for pre-existing conditions (e.g., 6-12 months), not permanently excluding them, starting at inception, or holding payments in escrow.
References:Maryland Insurance Article, § 15-109; MIA pre-existing condition rules.


NEW QUESTION # 85
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: B

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 # 86
An insurance producer who conducts business under an assumed or fictitious name must:

Answer: C

Explanation:
Insurance producers using an assumed or fictitious name for their business must file the name with the Maryland Insurance Administration (MIA).
File the name with the Insurance Administration (A): This ensures transparency and compliance with regulatory standards.
Apply for an additional license (B): Not required; the existing license covers the producer.
Apply for an additional appointment (C): Applies when a producer represents multiple insurers, not for fictitious names.
Post a $10,000 bond (D): Irrelevant to this context.
References: Maryland Insurance Administration Guidelines on Producer Licensing and Business Names.


NEW QUESTION # 87
Who usually selects the beneficiary of a life insurance policy?

Answer: A

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 # 88
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