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

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

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q177-Q182):

NEW QUESTION # 177
Reasonable and customary charges for health care are based primarily on:

Answer: B

Explanation:
Reasonable and customary charges (Insurance Article, § 15-1005) reflect average fees for procedures in a specific geographic area (e.g., 80th percentile), ensuring fair reimbursement. Actuarial tables, studies, and national surveys aren't the primary basis.
References:Maryland Insurance Article, § 15-1005; MIA health insurance guidelines.


NEW QUESTION # 178
Which advantage does an employer gain by providing a qualified retirement plan, as contrasted to a non- qualified plan?

Answer: B

Explanation:
Qualified retirement plans, such as 401(k) and pension plans, offer significant tax advantages for employers:
Tax-deductible contributions (B): Employer contributions to qualified plans are deductible as business expenses, reducing taxable income.
Exclusive benefit for key employees (A): Not allowed under IRS rules, as qualified plans must follow non- discrimination requirements.
Funds available for business needs (C): Incorrect, as plan funds are held in trust and cannot be used for business operations.
Rewarding selected employees (D): Qualified plans must comply with anti-discrimination rules, so rewards must benefit all eligible employees.
References: IRS Publication 560, Maryland Retirement Plan Standards, and COMAR 31.09.11.


NEW QUESTION # 179
Publishing a derogatory article about the financial condition of an insurer that is false and calculated to injure the insurer is an example of:

Answer: C

Explanation:
Defamation involves publishing or circulating false, malicious statements intended to harm an insurer's reputation. It is prohibited under Maryland law to protect the integrity of insurers.
Defamation (A): Includes any written or spoken communication that is untrue and harms the insurer's business standing.
Intimidation (B): Relates to coercing individuals through threats, not publishing falsehoods.
Extortion (C): Involves demanding something through threats, unrelated to false statements.
Coercion (D): Involves forcing a party to act under duress, not relevant to publishing false information.
References: Maryland Insurance Article §27-205, Unfair Trade Practices and Consumer Protection Act.


NEW QUESTION # 180
An insured incurs a covered accident and health insurance loss on May 30, which is submitted to the insurer on June 8. If the insured terminated coverage on June 1, the insurer:

Answer: D

Explanation:
A loss on May 30, while covered (Insurance Article, § 15-201), obligates the insurer to pay upon proof, despite termination on June 1. Termination or pre-existing exclusions don't negate prior coverage, and no one- year rule applies.
References:Maryland Insurance Article, § 15-201; MIA claims rules.


NEW QUESTION # 181
A policy of life insurance may not be delivered unless the policy has a:

Answer: C

Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer is A. Legible and brief description of the policy on the first page. Maryland Insurance Article §16-213 states that a life insurance policy, other than group life insurance, may not be delivered or issued for delivery in Maryland unless the policy has a legible and brief description of the policy on the first page. The statute also lists what that brief description must include, such as the policy title, type, or plan; how long premiums are to be paid; whether premiums may change; whether the policy is participating or nonparticipating; and certain other required items. A notary seal, premium coupon book, or insurer financial statement is not the required delivery condition tested here. Official Maryland Reference: Maryland Insurance Article §16-213.


NEW QUESTION # 182
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