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

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

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                              Sample Life-and-Accident-and-Health-or-Sickness-Producer-Combo Questions | Life-and-Accident-and-Health-or-Sickness-Producer-Combo Study Reference

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                              Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q49-Q54):

                              NEW QUESTION # 49
                              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 # 50
                              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:

                              Answer: B

                              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 # 51
                              One factor in premium determination is the expenses of the:

                              Answer: A

                              Explanation:
                              The insurer's expenses are a critical factor in premium calculations. Insurers must cover operational costs, claims payouts, reserves, and regulatory compliance while ensuring profitability.
                              Insurer (B): Correct. Expenses such as underwriting, administrative costs, and agent commissions are incorporated into the premium.
                              Producer (A): Costs are included indirectly through commissions but are not a direct factor.
                              Policy beneficiary (C): Plays no role in premium determination.
                              Policy owner (D): Pays the premium but does not influence expense considerations.
                              References: Maryland Insurance Premium Guidelines, Rate Filing Requirements, and COMAR 31.05.02.


                              NEW QUESTION # 52
                              A life insurance policy beneficiary ' s life expectancy has a direct bearing upon:

                              Answer: B

                              Explanation:
                              The taxable portion of benefit payments under a life income settlement option depends on the beneficiary's life expectancy:
                              Life expectancy impacts (B) how the payments are taxed, as longer payment durations result in more taxable income over time.
                              The policy's inclusion in the estate (A) is unrelated to the beneficiary's life expectancy.
                              The total death benefit (C) is fixed and not influenced by the beneficiary's lifespan.
                              Premium rates (D) are determined during underwriting, not affected by beneficiary life expectancy.
                              References: Maryland Life Insurance Taxation Guidelines and IRS Settlement Option Rules.


                              NEW QUESTION # 53
                              To be deemed a " qualified employer " under the Maryland Health Benefit Exchange Act, anemployer MUST:

                              Answer: A

                              Explanation:
                              The Maryland Health Benefit Exchange Act (Insurance Article, § 31-101) defines a qualified employer as one with its principal place of business in Maryland for SHOP Exchange eligibility. Premium contributions are optional, and employee work or residency percentages aren't required.
                              References:Maryland Insurance Article, § 31-101; MIA SHOP Exchange rules.


                              NEW QUESTION # 54
                              ......

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