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

Section	Objectives
General Insurance Concepts	- Insurance principles and risk management 1. Insurance contract fundamentals 2. Risk types and management methods
Life Insurance	- Policy provisions and riders 1. Beneficiaries and settlements 2. Policy loans and dividends - Life insurance policies 1. Term life insurance 2. Whole life insurance 3. Universal life insurance
State Law and Regulations	- Insurance producer regulations 1. Licensing requirements 2. Ethics and fiduciary duties
Accident and Health Insurance	- Policy provisions 1. Exclusions and limitations 2. Coordination of benefits - Health insurance types 1. Long-term care insurance 2. Medical expense insurance 3. Disability income insurance

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q102-Q107):

NEW QUESTION # 102
If an insurer pays an individual accident and health insurance claim during a policy's grace period:

A. A 10% service fee is charged
B. The deductible is waived
C. The policy is canceled automatically at the end of the grace period
D. The amount of unpaid premium may be subtracted from the reimbursement

Answer: D

Explanation:
During the grace period (Insurance Article, § 15-209), insurers can deduct unpaid premiums from claims paid, maintaining coverage without waiving deductibles, charging fees, or auto-canceling.
References:Maryland Insurance Article, § 15-209; MIA policy payment rules.

NEW QUESTION # 103
Which employers can offer 403(b) tax-sheltered annuities (TSAs)?

A. Subchapter S corporations, partnerships, and sole proprietorships
B. School districts and certain non-profit organizations
C. Regular business corporations and professional corporations
D. States, municipalities, and rural electric cooperatives

Answer: B

Explanation:
Purpose of 403(b) plans.
403(b) plans are retirement plans designed for public education and non-profit employees.
Eligible employers under federal tax law.
Only:
Public school systems
Certain tax-exempt organizations (501(c)(3))
are permitted to sponsor 403(b) plans.
Why the other options are incorrect.
Corporations and professional firms use 401(k) plans.
Government employers generally use 457 plans.
Self-employed and partnerships use SEP or SIMPLE plans.
Maryland producer relevance.
Producers must recommend retirement products consistent with employer eligibility to meet suitability and good-faith standards.
Conclusion.
Only school districts and certain non-profit organizations may offer 403(b) TSAs.

NEW QUESTION # 104
A juvenile life insurance policy is:

A. A life insurance policy that insures the life of a minor
B. Available only as decreasing term insurance for a minor
C. Available only for children who are less than five years old
D. Designed to insure the lives of a juvenile's parents

Answer: A

Explanation:
Definition of juvenile life insurance.
Juvenile life insurance provides coverage on the life of a minor, typically owned by a parent or guardian.
Evaluate each option.
A). Insures parents
Incorrect. Juvenile policies insure the child.
B). Limited to under age five
Incorrect. Coverage is available for a broader age range.
C). Insures the life of a minor
Correct. This is the precise definition.
D). Only decreasing term
Incorrect. Juvenile policies may be term or permanent.
Maryland consumer protection relevance.
Juvenile policies are regulated to ensure insurable interest and appropriate ownership by adults.
Conclusion.
A juvenile life insurance policy insures the life of a minor.

NEW QUESTION # 105
Misrepresenting pertinent policy provisions relating to coverages after a loss is:

A. A concealment in insurance applications
B. An unfair claim settlement practice
C. An unfair discrimination between individuals
D. A violation of the principle of adhesion

Answer: B

Explanation:
Misrepresenting coverage post-loss (Insurance Article, § 27-303) is an unfair claims practice, deceiving claimants about benefits. Concealment applies pre-policy, discrimination involves unequal treatment, and adhesion relates to contract terms, not claims.
References:Maryland Insurance Article, § 27-303; MIA claims practices.

NEW QUESTION # 106
(All of the following are advantages of whole life insurance EXCEPT:)

A. The initial cost of coverage is lower than for an equivalent amount of term insurance.
B. There is a cash value if the policy is terminated after a sufficient period of time.
C. Long-term protection is provided.
D. Policy loans may be available.

Answer: A

Explanation:
Comprehensive and Detailed Step by Step Explanation:
* Whole life basics:Permanent protection with guaranteed level premiums (typically), cash value accumulation, and death benefit.
* Check each statement:
* A: True advantage-whole life typically allows policy loans against cash value.
* B: True advantage-coverage is long-term/permanent (as long as premiums are paid).
* D: True advantage-cash value may be available upon surrender after enough time.
* C: Not an advantage-whole lifeusually costs more initiallythan equivalent term because it includes cash value and lifetime coverage features.
* Therefore C is the "EXCEPT"(the incorrect "advantage").
* Maryland reference:Marketing whole life as "cheaper than term" (for equivalent death benefit) can be misleading; Maryland prohibits incomplete or misleading disclosure of policy provisions/facts.

NEW QUESTION # 107
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