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

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

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                              Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q33-Q38):

                              NEW QUESTION # 33
                              Which one of the following is a life insurance policy provision that keeps the policy in force for a time if the premium is not paid?

                              Answer: C

                              Explanation:
                              Comprehensive and Detailed in Depth Explanation:
                              The correct answer is D. Grace period provision. A grace period gives the policyowner extra time after a premium due date to pay the premium while the life insurance policy remains in force. Maryland's life insurance policy provision regulation states that a grace period of not less than 30 days must be allowed for payment of any premium other than the first premium, and that during the grace period the policy continues in full force. The incontestability clause limits the insurer's ability to contest the policy after a stated period, the conversion option allows conversion of certain coverage, and the assignment provision deals with transferring policy rights. Official Maryland Reference: COMAR 31.09.01.08B, Grace Period.


                              NEW QUESTION # 34
                              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 # 35
                              An insurance producer or advisor in the State of Maryland can be disciplined by the MarylandInsurance Administration for all of the following EXCEPT:

                              Answer: A

                              Explanation:
                              The MIA (Insurance Article, § 10-126) disciplines producers for misrepresentation (§ 27-202, § 27-503), but filing a consumer complaint with the MIA is a legitimate advocacy action, not a disciplinary offense. It supports consumer protection, unlike the other deceptive practices.
                              References:Maryland Insurance Article, § 10-126, § 27-202, § 27-503; MIA producer regulations.


                              NEW QUESTION # 36
                              Under what circumstances will a contingent beneficiary be entitled to proceeds from a life insurance policy?

                              Answer: A

                              Explanation:
                              Comprehensive and Detailed in Depth Explanation:
                              The correct answer isC. If the primary beneficiary has predeceased the insured. A contingent beneficiary, also called a secondary beneficiary, receives life insurance proceeds only if the primary beneficiary cannot receive them. The NAIC explains that primary beneficiaries receive the policy benefit if they outlive the insured, while contingent or secondary beneficiaries receive the proceeds if the primary beneficiary dies before the insured.
                              Option A is incorrect because a contingent beneficiary does not receive proceeds after the primary beneficiary has already been paid. Option B is incorrect because life insurance beneficiary rights are not based simply on whether all of the insured's debts have been settled. Option D is incorrect because being the insured's child does not automatically make someone the contingent beneficiary; the person must be properly designated under the policy. Maryland regulations require the policy to identify the beneficiary and reserve the policyowner's right to change the beneficiary unless the designation is irrevocable. Official References:
                              Maryland COMAR beneficiary provision and NAIC beneficiary guidance.


                              NEW QUESTION # 37
                              Advertisements in general shall be:

                              Answer: A

                              Explanation:
                              Maryland law requires that insurance advertisements be honest, transparent, and not misleading.
                              Truthful (D): Correct. Ads must provide accurate information about insurance products and benefits without omitting material facts.
                              Approved by the Insurance Commissioner (A): Some materials may require regulatory review, but general ads do not need pre-approval.
                              Clear only by implication (B): Misleading and prohibited.
                              Clear only by familiarity with insurance terminology (C): Ads must be understandable to the general public, not just industry professionals.
                              References: Maryland Advertising Regulations, COMAR 31.15.01, and Unfair Trade Practices Act.


                              NEW QUESTION # 38
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