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

Section	Objectives
Policy Provisions and Options	- Beneficiaries and policy ownership - Standard policy provisions
Accident and Health Insurance	- Disability income and medical expense coverage - Health insurance plans and structures
Annuities	- Annuity types and features - Accumulation and payout options
Insurance Fundamentals	- Basic insurance principles - Insurable interest and risk management concepts
Life Insurance	- Life policy provisions and riders - Types of life insurance policies 1. Whole life insurance 2. Term life insurance 3. Universal life insurance
Federal Regulations and Taxation	- Federal insurance-related regulations - Tax treatment of insurance products
State Insurance Regulations	- Unfair trade practices and compliance - Producer licensing requirements
Ethics and Professional Conduct	- Ethical responsibilities of insurance producers - Consumer protection standards

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Life-and-Accident-and-Health-or-Sickness-Producer-Combo Real Exam | Life-and-Accident-and-Health-or-Sickness-Producer-Combo Reliable Dumps Questions

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q137-Q142):

NEW QUESTION # 137
Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:

A. Power of attorney
B. Applicant's family's consent
C. Copy of the person's living will
D. Report of a physical examination

Answer: D

Explanation:
For non-guaranteed issue long-term care policies (Insurance Article, § 18-107), a physical exam report is required for applicants 80+ to assess risk, not family consent, living wills, or power of attorney.
References:Maryland Insurance Article, § 18-107; MIA LTC underwriting rules.

NEW QUESTION # 138
The entire contract provision in an individual accident and health insurance policy states that the producer:

A. May waive only certain contract provisions
B. Has no authority to change the policy or waive any of its provisions
C. Has company authority to change the policy
D. Has company authority to waive any contract provisions

Answer: B

Explanation:
The entire contract provision (Insurance Article, § 15-207) defines the policy and application as the full agreement, barring producers from altering or waiving terms. Only the insurer has such authority.
References:Maryland Insurance Article, § 15-207; MIA policy standards.

NEW QUESTION # 139
A group policy may be issued to a labor union. The members eligible for insurance under the policy shall be:

A. Only members of the union who are under the age of 65
B. Healthy members of the union
C. All of the members of the union
D. Members of any union

Answer: C

Explanation:
When a group policy is issued to a labor union, Maryland law requires that eligibility criteria ensure fairness and inclusivity:
All of the members of the union (B): Eligible members must be treated equally under the group policy.
Coverage cannot exclude individuals based on factors like age or health, provided they are active members.
Members of any union (A): Policies are issued to specific unions, not broadly.
Only members under age 65 (C): Age discrimination is prohibited unless specifically linked to policy provisions.
Healthy members (D): Group policies cannot discriminate based on health status.
References: Maryland Group Insurance Regulations, COMAR 31.09.06, and Labor Union Group Policies Guidelines.

NEW QUESTION # 140
An elimination period in a disability income insurance policy is the:

A. Period between the start of a disability and the beginning of benefits
B. Time period the policy is in force
C. Time during which benefits are paid under the policy
D. Same as the probationary period

Answer: A

Explanation:
The elimination period (Insurance Article, § 15-201) is the waiting time (e.g., 90 days) before disability benefits begin, distinct from the benefit period (payment duration), probationary period (pre-coverage wait), or policy term.
References:Maryland Insurance Article, § 15-201; MIA disability insurance rules.

NEW QUESTION # 141
One feature that distinguishes a continuous premium whole life policy from a limited payment whole life policy is:

A. The form in which dividends are paid
B. The settlement options available
C. The length of time premiums will be paid
D. The mortality table from which premiums are calculated

Answer: C

Explanation:
Types of whole life policies.
Both continuous premium and limited payment whole life policies provide lifetime coverage.
Key difference between the two.
Continuous premium whole life requires premiums to be paid for the insured's entire life.
Limited payment whole life requires premiums for a shorter, defined period (e.g., 20-pay, paid-up at 65).
Evaluate each option.
A). Length of time premiums are paid
Correct. This is the distinguishing feature.
B). Settlement options
Generally the same for both.
C). Mortality table
The same actuarial principles apply.
D). Dividend form
Not a distinguishing feature.
Conclusion.
The primary difference is how long premiums are paid.

NEW QUESTION # 142
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