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

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

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q90-Q95):

NEW QUESTION # 90
An accident and health insurance producer is most likely to become liable for professional errors and omissions as the result of:

Answer: B

Explanation:
Errors and omissions liability arises from professional negligence (Insurance Article, § 10-126). Misleading a client about policy replacement (twisting, § 27-203) directly harms them, unlike accounting errors, overpayments, or tax issues, which are internal or personal.
References:Maryland Insurance Article, § 10-126, § 27-203; MIA producer liability rules.


NEW QUESTION # 91
Which one of the following life insurance policies is written to insure two or more individuals with the face amount payable upon the death of the first insured?

Answer: A

Explanation:
Understanding multi-life insurance policies.
Some policies cover more than one insured under a single contract.
Evaluate each option.
A). Modified life
A premium structure, not a multi-life policy.
B). Joint and survivorship
Pays upon the death of the last insured, not the first.
C). Convertible term
Refers to conversion rights, not number of insureds.
D). Joint life
Correct. Pays the death benefit at the first death.
Common uses.
Often used in business arrangements or family protection plans.
Conclusion.
A joint life policy pays upon the first death.


NEW QUESTION # 92
An immediate annuity:

Answer: A

Explanation:
Definition of an immediate annuity.
An immediate annuity is designed to begin income payments shortly after purchase, usually within one year.
Key structural feature.
Immediate annuities are purchased with a single lump sum.
Payments begin almost immediately.
Why there is no accumulation period.
The accumulation period exists only in deferred annuities, where funds grow before payout.
Immediate annuities move directly into the annuity (payout) phase.
Evaluate each option.
A). Purchased in installments
Incorrect; installment purchases describe flexible premium deferred annuities.
B). Pays a lump sum
Incorrect; it pays periodic income, not a lump sum.
C). Lacks an accumulation period
Correct.
D). Tax-deductible contributions
Incorrect; contributions are generally not deductible unless within a qualified plan.
Conclusion.
An immediate annuity has no accumulation period.


NEW QUESTION # 93
All of the following services are covered under the Medicare Supplement preventive care benefit EXCEPT:

Answer: B

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 # 94
In a speech to a local producers' association, a producer incorrectly stated that XYZ Insurance Company is in financial difficulty and not paying claims. The producer may be guilty of:

Answer: D

Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer is B. Defamation. In insurance regulation, defamation involves making false or maliciously critical statements that harm the reputation or financial standing of an insurer or other person in the insurance business. Maryland Insurance Article §27-204 prohibits a person from making, publishing, disseminating, or circulating oral or written statements that are false or maliciously critical of, or derogatory to, the financial condition of an insurer and calculated to injure a person engaged in the business of insurance.
Saying that an insurer is in financial difficulty and not paying claims, when that statement is incorrect, fits the tested concept of defamation. Official Maryland Reference: Maryland Insurance Article §27-204, False Statements About Insurers.


NEW QUESTION # 95
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