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

SectionWeightObjectives
Topic 1: Life Insurance Basics and Policies25%- Policy provisions, riders, and options
- Beneficiaries, claims, and settlement options
- Types of life insurance: term, whole, universal, variable
Topic 2: General Insurance Concepts15%- Contract law and principles
- Insurable interest and risk management
- Underwriting, premium calculation, and taxation
Topic 3: Insurance Regulation30%- Policy delivery, replacement rules, and disclosure
- Licensing requirements and procedures
- State insurance laws and Maryland regulations
- Ethics, unfair trade practices, and consumer protection
Topic 4: Annuities and Retirement Products10%- Tax treatment and suitability standards
- Fixed, indexed, and variable annuities
Topic 5: Accident and Health / Sickness Insurance20%- HMO, PPO, group vs individual coverage
- Health insurance basics and policy provisions
- Disability income, medical expense, and long-term care
- Mandatory benefits and state-specific health rules

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q120-Q125):

NEW QUESTION # 120
The reinstatement provision in individual accident and health insurance:

Answer: C

Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer is B. Allows the insured to reinstate the policy after coverage lapses for nonpayment of premium. Under Maryland Insurance Article §15-210, each health insurance policy must contain a reinstatement provision. If a renewal premium is not paid within the time allowed, later acceptance of the premium by the insurer or an authorized insurance producer can reinstate the policy. If an application for reinstatement is required, the policy is reinstated when the insurer approves the application or, if the insurer does not disapprove it in writing, on the 45th day after the conditional receipt. This provision is about restoring a lapsed policy, not restoring the face amount after a claim, changing application statements, or requiring approval from the Maryland Insurance Administration. Official Maryland Reference: Maryland Insurance Article §15-210, Reinstatement.


NEW QUESTION # 121
Which benefit is usually excluded from accident and health plan coverage?

Answer: D

Explanation:
Accident and health plans (Insurance Article, § 15-201) cover acute needs like hospital, physician, and surgical expenses. Custodial care-non-medical daily assistance-is excluded, typically covered by long-term care insurance.
References:Maryland Insurance Article, § 15-201; MIA health insurance standards.


NEW QUESTION # 122
In Maryland, an insurance producer is a person who solicits, negotiates, or sells insurance plans PRIMARILY in conjunction with:

Answer: B

Explanation:
A producer (Insurance Article, § 1-101(aa)) solicits and sells insurance primarily for commissions, distinguishing them from clerical staff, enrollment facilitators, or salaried insurer employees. This reflects their independent role.
References:Maryland Insurance Article, § 1-101(aa), § 10-101; MIA producer definitions.


NEW QUESTION # 123
All of the following are elements of an insurable risk EXCEPT:

Answer: B

Explanation:
Definition of insurable risk.
An insurable risk must meet certain criteria so insurers can predict losses and set premiums fairly.
Required elements of an insurable risk.
Accidental loss: Loss must be unintended and fortuitous.
Definite and measurable loss: The amount and timing of loss must be determinable.
Large number of similar exposures: Allows insurers to use the law of large numbers.
Non-catastrophic to the insurer: Losses must not affect all policyholders at once.
Why speculative risk is excluded.
Speculative risks involve the possibility of gain or loss (e.g., gambling or investing).
Insurance only covers pure risks, which involve the possibility of loss or no loss, but no gain.
Evaluate each option.
A). Speculative risk
Incorrect for insurability and therefore the correct answer.
B). Accidental loss
Required element.
C). Large number of similar units
Required for actuarial predictability.
D). Ability to measure the loss
Required to determine claim amounts.
Conclusion.
Speculative risk is not insurable, making option A correct.


NEW QUESTION # 124
What must the insurer provide to certificate holders when a group Medicare Supplement insurance policy is terminated and not replaced?

Answer: A

Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer is C. An offer of conversion to individual coverage. Maryland Medicare Supplement regulations provide that if a group Medicare Supplement policy is terminated by the group policyholder and is not replaced, the issuer must offer each certificate holder an individual Medicare Supplement policy. The individual policy must, at the certificate holder's option, provide either continuation of the benefits contained in the group policy or benefits that meet Maryland Medicare Supplement requirements. This is best described as a conversion offer to individual coverage. Official Maryland Reference: COMAR 31.10.06.27, Benefit Standards for 2010 Standardized Medicare Supplement Benefit Plans.


NEW QUESTION # 125
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