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

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

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                              Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q194-Q199):

                              NEW QUESTION # 194
                              A health maintenance organization may issue a contract that provides benefits for the following:

                              Answer: C

                              Explanation:
                              HMOs (Health-General Article, § 19-701) provide health care services to members, not income replacement (disability insurance), accidental death, or dismemberment benefits (life/accident insurance).
                              References:Maryland Health-General Article, § 19-701; MIA HMO guidelines.


                              NEW QUESTION # 195
                              A transaction in which an existing annuity contract is terminated and a new one is issued is called:

                              Answer: D

                              Explanation:
                              Definition of annuity replacement.
                              Replacement occurs when an existing annuity is surrendered, lapsed, or terminated and replaced with a new annuity.
                              Why replacements are regulated.
                              Replacements may trigger:
                              Surrender charges
                              Loss of benefits
                              Restart of surrender periods
                              Maryland disclosure requirements.
                              Producers must disclose all consequences of annuity replacement to comply with good-faith and suitability rules.
                              Why the other options are incorrect.
                              Conversion: Applies to term-to-permanent policies.
                              Continuation: Keeping the same contract.
                              Reinstatement: Restoring a lapsed policy.
                              Conclusion.
                              Terminating one annuity and issuing another is a replacement.


                              NEW QUESTION # 196
                              All of the following are basic underwriting actions in accident and health insurance EXCEPT:

                              Answer: C

                              Explanation:
                              Underwriting involves assessing risk by rejecting high-risk applicants, issuing standard policies, or adding exclusion riders for specific conditions. Deleting uniform policy provisions-mandatory clauses like grace periods (Insurance Article, § 15-201)-isn't an underwriting action, as these are legally required and cannot be altered by underwriters.
                              References:Maryland Insurance Article, § 15-201 et seq.; MIA underwriting guidelines.


                              NEW QUESTION # 197
                              When a wage earner dies, the surviving family members may have all of the following expenses EXCEPT:

                              Answer: B

                              Explanation:
                              When a wage earner dies, surviving families face significant financial obligations:
                              Final expenses (A): Include funeral costs and related end-of-life expenses.
                              Family living expenses (C): Cover ongoing needs like housing, food, and utilities.
                              Death taxes (D): May apply based on estate value and Maryland inheritance laws.
                              Unemployment tax liabilities (B) are irrelevant as they apply only to employers, not surviving family members.
                              References: Maryland Estate Tax and Death Benefit Regulations.


                              NEW QUESTION # 198
                              In dental insurance coverage, which one of the following typically is EXCLUDED?

                              Answer: A

                              Explanation:
                              Dental insurance (Insurance Article, § 15-201) covers preventive care, X-rays, and root canals, but excludes treatment started before the eligibility date to avoid claims for pre-existing work. This ensures coverage applies only to services initiated under the policy.
                              References:Maryland Insurance Article, § 15-201; MIA dental insurance standards.


                              NEW QUESTION # 199
                              ......

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