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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- 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
            Topic 2: Life Insurance- Life insurance policies
            • 1. Term life insurance
              • 2. Whole life insurance
                • 3. Universal life insurance
                  - Policy provisions and riders
                  • 1. Beneficiaries and settlements
                    • 2. Policy loans and dividends
                      Topic 3: State Law and Regulations- Insurance producer regulations
                      • 1. Ethics and fiduciary duties
                        • 2. Licensing requirements
                          Topic 4: 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 (Q55-Q60):

                              NEW QUESTION # 55
                              Dental insurance typically excludes coverage for:

                              Answer: C

                              Explanation:
                              Comprehensive and Detailed in Depth Explanation:
                              The correct answer is C. Some pre-existing conditions. Dental insurance commonly covers preventive and diagnostic services such as dental X-rays, cleanings, regular checkups, and fluoride treatments, depending on the plan. Maryland's Healthy Smiles Dental Program lists regular checkups, teeth cleaning, and X-rays as covered dental services, which supports that these are not the typical excluded items in this question.
                              Maryland Insurance Administration claim-denial coding also includes "Pre-existing condition not covered," showing that pre-existing condition exclusions can apply in health/dental claim handling. Official Maryland References: Maryland Department of Health, Maryland Healthy Smiles Dental Program; Maryland Insurance Administration claim-denial codes.


                              NEW QUESTION # 56
                              All of the following services are covered under the Medicare Supplement preventive care benefit EXCEPT:

                              Answer: C

                              Explanation:
                              Medicare Supplement (Medigap, Insurance Article, § 15-901) covers preventive services like immunizations, hearing tests (if Medicare-eligible), and physicals, but outpatient prescription vitamins aren't a standard benefit under Medicare or Medigap.
                              References:Maryland Insurance Article, § 15-901; CMS Medigap guidelines.


                              NEW QUESTION # 57
                              A company's universal life insurance policy must disclose the:

                              Answer: C

                              Explanation:
                              Comprehensive and Detailed in Depth Explanation:
                              The correct answer isB. Surrender charges of the policy. Under Maryland's official universal life insurance regulation, each universal life insurance policy must include certain mandatory policy provisions.
                              Specifically, COMAR 31.09.15.09 requires the policy to contain a general description of how cash surrender values are calculated, including "any surrender or partial withdrawal charges." Therefore, a universal life insurance policy must disclose surrender charges because they directly affect the amount payable to the policyowner if the policy is surrendered.
                              Option A is incorrect because the regulation does not say the policy must disclose the general availability of riders as the required answer here. Riders may appear in policy reports or policy documents when applicable, but the mandatory disclosure tested in this question is the surrender or withdrawal charge. Option C is incorrect because the "corridor" concept relates to maintaining a required relationship between the death benefit and cash value, but Maryland's cited universal life policy provision does not make "meaning of a corridor" the required disclosure in this question. Option D is incorrect because the regulation requires disclosure of limitations on changing basic coverage if the policyowner has that right, but it does not state that the company must disclose the maximum face amount an individual can purchase as the required universal life disclosure here.
                              Official Maryland Reference: COMAR 31.09.15.09 - Mandatory Policy Provisions, Universal Life Insurance, especially subsection D on calculation of cash surrender values and disclosure of surrender or partial withdrawal charges. COMAR 31.09.15 is the Maryland regulation chapter specifically governing universal life insurance.


                              NEW QUESTION # 58
                              In surrendering a life insurance contract for its cash value, the total of premiums paid less the total of any dividends received in cash or used to offset premiums is:

                              Answer: A

                              Explanation:
                              The cost basis is the total of all premiums paid minus dividends received or used to offset premiums. This figure is used to calculate the taxable portion of the cash value upon surrender.
                              Cost basis (D): Represents the non-taxable portion of the surrender value; any amount exceeding this is considered taxable income.
                              Cash value (A): The policy's accumulated value, which may include taxable gains.
                              Loan value (B): Refers to the amount available for borrowing against the policy.
                              Gross proceeds (C): The full amount received upon surrender, not accounting for cost basis deductions.
                              References: IRS Guidance on Life Insurance Taxation, Maryland Life Insurance Surrender Rules, and COMAR 31.09.14.


                              NEW QUESTION # 59
                              Which one of the following is a true statement regarding the Maryland Insurance Commissioner?

                              Answer: A

                              Explanation:
                              Comprehensive and Detailed in Depth Explanation:
                              The correct answer is C. The Commissioner shall counsel and advise the Governor on all matters assigned to the Maryland Insurance Administration. Maryland Insurance Article §2-103 states that the Governor appoints the Commissioner with the advice and consent of the Senate, the Commissioner serves a 4-year term, is directly responsible to the Governor, and must counsel and advise the Governor on matters assigned to the Administration. Option A is incorrect because the Commissioner is appointed, not elected by Senate vote.
                              Option B is incorrect because the term is 4 years, not 6 years. Option D is incorrect because although the Commissioner is in the executive service, compensation is under the Executive Pay Plan in accordance with the State budget, not from the State Insurance Guaranty Fund. Official Maryland Reference: Maryland Insurance Article §2-103.


                              NEW QUESTION # 60
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