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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. Medical expense insurance
              • 3. Long-term care insurance
                Topic 3: Life Insurance- Policy provisions and riders
                • 1. Beneficiaries and settlements
                  • 2. Policy loans and dividends
                    - Life insurance policies
                    • 1. Whole life insurance
                      • 2. Universal life insurance
                        • 3. Term life insurance
                          Topic 4: State Law and Regulations- Insurance producer regulations
                          • 1. Licensing requirements
                            • 2. Ethics and fiduciary duties

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                              Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q79-Q84):

                              NEW QUESTION # 79
                              Who is responsible for reporting the licensee's change of name or address to the Maryland Insurance Administration?

                              Answer: D

                              Explanation:
                              Personal responsibility of licensees.
                              Maryland places the responsibility for accurate licensing records directly on the licensee.
                              Why this duty cannot be delegated.
                              License status affects:
                              Legal authority to transact insurance
                              Receipt of regulatory notices
                              Compliance with continuing education requirements
                              Evaluate each option.
                              A). The licensee
                              Correct. The licensee must notify the MIA within the required timeframe.
                              B). Appointing insurer
                              Insurers may update appointments, but not personal data.
                              C). Managing general agent
                              Has no authority over individual licensing records.
                              D). MIA staff
                              The MIA maintains records but does not initiate changes.
                              Regulatory consequence.
                              Failure to report changes may result in administrative discipline or missed compliance deadlines.
                              Conclusion.
                              The licensee is responsible for reporting changes.


                              NEW QUESTION # 80
                              Which advantage does an employer gain by providing a qualified retirement plan, as contrasted to a non- qualified plan?

                              Answer: D

                              Explanation:
                              Qualified retirement plans, such as 401(k) and pension plans, offer significant tax advantages for employers:
                              Tax-deductible contributions (B): Employer contributions to qualified plans are deductible as business expenses, reducing taxable income.
                              Exclusive benefit for key employees (A): Not allowed under IRS rules, as qualified plans must follow non- discrimination requirements.
                              Funds available for business needs (C): Incorrect, as plan funds are held in trust and cannot be used for business operations.
                              Rewarding selected employees (D): Qualified plans must comply with anti-discrimination rules, so rewards must benefit all eligible employees.
                              References: IRS Publication 560, Maryland Retirement Plan Standards, and COMAR 31.09.11.


                              NEW QUESTION # 81
                              Group health insurance contracts providing coverage for employees in more than one state are usually controlled by the laws of the state where:

                              Answer: B

                              Explanation:
                              Multi-state group plans (Insurance Article, § 15-1202) are governed by the state where the master contract is issued, typically the employer's home state, ensuring consistent legal oversight regardless of employee location or producer residence.
                              References:Maryland Insurance Article, § 15-1202; MIA multi-state group rules.


                              NEW QUESTION # 82
                              A health maintenance organization (HMO) must provide coverage for all of the following EXCEPT:

                              Answer: D

                              Explanation:
                              Maryland HMOs (Health-General Article, § 19-701) must provide basic health services like routine physicals, well-child care, and emergency services. Dental and vision care, however, are not required unless specified as supplemental benefits. State law mandates pediatric care but excludes routine dental and vision from standard HMO coverage unless the plan explicitly includes them.
                              References:Maryland Health-General Article, § 19-701; Insurance Article, § 15-1201; MIA HMO guidelines.


                              NEW QUESTION # 83
                              A nonprofit health service plan may NOT issue a contract that covers which of the following types of benefits?

                              Answer: C

                              Explanation:
                              Nonprofit health service plans (Insurance Article, § 14-102), like HMOs, provide medical, vision, and dental benefits, but disability income-replacing lost wages-is outside their scope and belongs to separate insurance types.
                              References:Maryland Insurance Article, § 14-102; MIA nonprofit plan rules.


                              NEW QUESTION # 84
                              ......

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