100% Pass Quiz 2026 Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo: Pass-Sure Trusted Life and Accident and Health or Sickness Producer - Combo Series 20-30 Exam Resource

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

SectionObjectives
State Law and Regulations- Insurance producer regulations
  • 1. Licensing requirements
    • 2. Ethics and fiduciary duties
      Life Insurance- Policy provisions and riders
      • 1. Policy loans and dividends
        • 2. Beneficiaries and settlements
          - Life insurance policies
          • 1. Whole life insurance
            • 2. Universal life insurance
              • 3. Term life insurance
                General Insurance Concepts- Insurance principles and risk management
                • 1. Risk types and management methods
                  • 2. Insurance contract fundamentals
                    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

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                              Trusted Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Resource - 2026 First-grade Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Certificate Exam

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                              Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q104-Q109):

                              NEW QUESTION # 104
                              All of the following are true about accident and health insurance policies that provide limited benefits EXCEPT:

                              Answer: B

                              Explanation:
                              Comprehensive and Detailed in Depth Explanation:
                              The correct answer isA. Coverage is limited to persons under age 65. Limited benefit accident and health policies are not defined by being available only to people under age 65. Instead, they are limited because they cover only certain types of losses, certain services, fixed-dollar benefits, or specified diseases. Maryland materials recognize several types of limited or excepted health coverage, including accident-only coverage, travel accident or sickness coverage, specified disease coverage, and fixed indemnity coverage. Maryland Insurance Article §31-101 also describes hospital indemnity or fixed indemnity insurance as coverage paying a fixed dollar amount per period, such as a daily hospital benefit.
                              Option B is true because travel insurance may cover sickness, accident, disability, or death occurring during travel. Option C is true because fixed indemnity coverage may pay a fixed dollar amount per period, such as a daily hospital amount. Option D is true because specified disease coverage limits benefits to named diseases or health conditions, such as cancer or other dread diseases. Since the question asks for the statement that is not true, the correct answer is A. Official Maryland References: Maryland Insurance Administration Bulletin on limited/exempt health coverages and travel insurance; Maryland Insurance Article §31-101; COMAR Medicare-related disclosure language for limited benefit policies.


                              NEW QUESTION # 105
                              Under what circumstances will a contingent beneficiary be entitled to proceeds from a life insurance policy?

                              Answer: B

                              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 # 106
                              An insurance producer provided several examples to the applicant, persuasively demonstrating that the insurance coverage offered under the producer's company policy was superior to a competitor's product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?

                              Answer: C

                              Explanation:
                              Definition of twisting under Maryland insurance law.
                              Twisting occurs when a producer knowingly makes misrepresentations or incomplete comparisons to induce a policyowner to lapse, surrender, or replace an existing policy.
                              Apply the facts of the scenario.
                              The producer knowingly misrepresented facts.
                              The goal was to convince the applicant to give up an existing policy and buy a replacement policy.
                              Why the other options are incorrect.
                              Fraud is broader and often involves criminal deception; twisting is the specific insurance violation described here.
                              Discrimination involves unfair treatment between insureds of the same class.
                              Rebating involves illegal inducements such as returning part of a premium.
                              Conclusion.
                              This conduct fits precisely within the definition of twisting, which is prohibited in Maryland.


                              NEW QUESTION # 107
                              Medicare Supplement insurance is specifically designed for individuals who:

                              Answer: C

                              Explanation:
                              Medicare Supplement (Medigap, Insurance Article, § 15-901) is for Medicare enrollees (Parts A and B) to cover gaps, not low-income (Medicaid), uninsurable (pre-ACA pools), or employer-ineligible individuals.
                              References:Maryland Insurance Article, § 15-901; MIA Medigap rules.


                              NEW QUESTION # 108
                              A juvenile life insurance policy is:

                              Answer: D

                              Explanation:
                              Definition of juvenile life insurance.
                              Juvenile life insurance provides coverage on the life of a minor, typically owned by a parent or guardian.
                              Evaluate each option.
                              A). Insures parents
                              Incorrect. Juvenile policies insure the child.
                              B). Limited to under age five
                              Incorrect. Coverage is available for a broader age range.
                              C). Insures the life of a minor
                              Correct. This is the precise definition.
                              D). Only decreasing term
                              Incorrect. Juvenile policies may be term or permanent.
                              Maryland consumer protection relevance.
                              Juvenile policies are regulated to ensure insurable interest and appropriate ownership by adults.
                              Conclusion.
                              A juvenile life insurance policy insures the life of a minor.


                              NEW QUESTION # 109
                              ......

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