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

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

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                              Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q121-Q126):

                              NEW QUESTION # 121
                              A nonprofit health service plan may NOT issue a contract that covers which of the following types of benefits?

                              Answer: D

                              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 # 122
                              Who usually selects the beneficiary of a life insurance policy?

                              Answer: D

                              Explanation:
                              Ownership rights in life insurance.
                              The policyowner controls key policy decisions, including:
                              Naming beneficiaries
                              Changing beneficiaries (if revocable)
                              Assigning ownership
                              Why the policyowner selects the beneficiary.
                              The beneficiary designation reflects the policyowner's intent regarding who receives proceeds.
                              Why the other options are incorrect.
                              Insurer: Issues the policy but does not control beneficiary choices.
                              Beneficiary: Cannot designate themselves unless they are also the owner.
                              Producer: May advise but cannot select beneficiaries.
                              Maryland legal relevance.
                              Maryland law enforces beneficiary designations as written unless changed by the policyowner.
                              Conclusion.
                              The policyowner usually selects the beneficiary.


                              NEW QUESTION # 123
                              An applicant for life insurance must be informed that testing for Human Immunodeficiency Virus (HIV) infection is used to help determine:

                              Answer: C

                              Explanation:
                              HIV testing is used by insurers to evaluate the health risks associated with the applicant and determine insurability.
                              The insurability of the proposed insured (D): Correct. HIV status can impact underwriting decisions, subject to Maryland's anti-discrimination laws.
                              The type of policy issued (A): Irrelevant, as this is determined by the applicant's preferences and eligibility.
                              Effective date and term of coverage (B): Determined separately from medical testing.
                              Whether an insurable interest exists (C): Based on the relationship between the policyholder and insured, not medical testing.
                              References: Maryland Insurance Code §27-208, HIV Testing Disclosure Guidelines, and Maryland Human Rights Act.


                              NEW QUESTION # 124
                              When delivering a life insurance policy, a producer's responsibilities may include all of the following EXCEPT:

                              Answer: B

                              Explanation:
                              Producer duties at policy delivery.
                              Maryland law and good-faith standards require producers to explain coverage, ratings, and policy features to ensure the applicant understands the contract.
                              Evaluate each option.
                              A). Explaining a non-standard rating
                              Required to ensure transparency and informed consent.
                              B). Reviewing policy riders
                              A normal and expected delivery duty.
                              C). Collecting the premium payment
                              Permissible and common.
                              D). Cashing the insured's premium check
                              Not permitted. Premium checks must be forwarded to the insurer, not negotiated by the producer.
                              Conclusion.
                              Cashing a client's premium check is improper and violates fiduciary responsibilities.


                              NEW QUESTION # 125
                              The Maryland Health Insurance Plan is designed to provide comprehensive health benefits for:

                              Answer: D

                              Explanation:
                              The Maryland Health Insurance Plan (MHIP, Insurance Article, § 15-1301) historically provided coverage for medically uninsurable residents rejected by private insurers, until phased out in 2014 by the ACA. It didn't target low-income (Medicaid), seniors (Medicare), or children (CHIP) specifically.
                              References:Maryland Insurance Article, § 15-1301 (historical); MIA MHIP documentation.


                              NEW QUESTION # 126
                              ......

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