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

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

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                              Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q83-Q88):

                              NEW QUESTION # 83
                              All of the following are unfair trade practices EXCEPT:

                              Answer: D

                              Explanation:
                              Unfair trade practices under Maryland insurance law.
                              Maryland Insurance Article Title 27 prohibits unfair methods of competition and deceptive acts in the insurance business.
                              Evaluate each option.
                              A). Misrepresentation
                              Explicitly prohibited as an unfair trade practice.
                              B). Fraudulent advertising
                              Prohibited under Maryland law.
                              C). Illegal inducement
                              Includes rebating and other improper incentives and is prohibited.
                              D). Reinsurance
                              A legitimate, lawful business practice between insurers used to manage risk.
                              Conclusion.
                              Reinsurance is not an unfair trade practice, making option D correct.


                              NEW QUESTION # 84
                              A health maintenance organization may issue a contract that provides benefits for the following:

                              Answer: A

                              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 # 85
                              An elimination period in a disability income insurance policy is the:

                              Answer: D

                              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 # 86
                              An insurer may pay a commission directly or indirectly to:

                              Answer: C

                              Explanation:
                              Commissions (Insurance Article, § 10-103) require a license, but a producer earning a commission while licensed can be paid post-termination. Unlicensed individuals or brokers can't legally receive commissions.
                              References:Maryland Insurance Article, § 10-103, § 10-130, § 3-306; MIA commission rules.


                              NEW QUESTION # 87
                              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: A

                              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 # 88
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