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

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q164-Q169):

NEW QUESTION # 164
Typically, the premium for an individual mortgage protection life insurance policy:

A. Remains level
B. Increases at ten-year intervals
C. Increases at five-year intervals
D. Fluctuates with the mortgage interest rate

Answer: A

Explanation:
Purpose of mortgage protection insurance.
Mortgage protection life insurance is designed to:
Pay off or reduce the mortgage balance if the insured dies.
Structure of most mortgage protection policies.
The death benefit typically decreases over time as the mortgage balance declines.
However, the premium usually remains level throughout the policy term.
Why level premiums are used.
Level premiums make budgeting easier for homeowners.
The insurer prices the policy based on average risk over the term.
Evaluate each option.
A). Remains level
Correct.
B). Increases every five years
Describes step-rate term insurance, not typical mortgage protection.
C). Increases every ten years
Not standard for mortgage protection.
D). Fluctuates with interest rate
Incorrect. Insurance premiums are not tied to mortgage interest rates.
Maryland consumer disclosure relevance.
Maryland requires producers to explain decreasing benefits and level premiums to avoid consumer confusion.
Conclusion.
Mortgage protection premiums typically remain level.

NEW QUESTION # 165
Coverage for the first three pints of blood for Medicare enrollees is:

A. A Medicare Part A benefit
B. A Medicare Part B benefit
C. A Medicare Supplement core benefit
D. A Medicare Supplement additional benefit

Answer: C

Explanation:
Medicare Part A excludes the first three pints of blood for inpatient care, but Medigap core benefits (Insurance Article, § 15-901) cover this cost across all plans (A-J), making it a standard, not additional, benefit. Parts A and B don't include it directly.
References:Maryland Insurance Article, § 15-901; CMS Medicare guidelines.

NEW QUESTION # 166
Medical expense insurance typically EXCLUDES coverage for treatment of:

A. Eating disorders
B. Undiagnosed diseases
C. Chronic back pain
D. Intentionally self-inflicted injuries

Answer: D

Explanation:
Medical expense insurance covers necessary treatments like chronic pain, eating disorders (under parity laws,
§ 15-802), and undiagnosed conditions if treated, but excludes intentionally self-inflicted injuries (e.g., suicide attempts) as non-accidental losses (Insurance Article, § 15-201).
References:Maryland Insurance Article, § 15-201, § 15-802; MIA health insurance exclusions.

NEW QUESTION # 167
When the owner of a life insurance policy reserves the right to change the beneficiary, the arrangement is called:

A. A contingent designation
B. A revocable designation
C. An irrevocable designation
D. A contestable designation

Answer: B

Explanation:
Beneficiary designation concepts.
Life insurance policies allow the owner to name beneficiaries who receive proceeds at death.
Revocable vs. irrevocable designations.
A revocable beneficiary can be changed by the policyowner at any time without the beneficiary's consent.
An irrevocable beneficiary cannot be changed without the beneficiary's written consent.
Evaluate each option.
A). Contingent designation
Refers to a secondary beneficiary, not the right to change.
B). Irrevocable designation
Opposite of the described situation.
C). Contestable designation
Not a valid beneficiary term.
D). Revocable designation
Correct. This allows the policyowner to change beneficiaries.
Maryland relevance.
Maryland recognizes revocable beneficiary designations unless the policy specifically states otherwise.
Conclusion.
Reserving the right to change beneficiaries is a revocable designation.

NEW QUESTION # 168
A health maintenance organization may issue a contract that provides benefits for the following:

A. Health care services provided to members of the HMO
B. The dismemberment of an HMO member
C. The accidental death of an HMO member
D. Replacement of income lost by a member due to the member's disability

Answer: A

Explanation:
HMOs (Health-General Article, § 19-701) provide health care services to members, not income replacement (disability insurance), accidental death, or dismemberment benefits (life/accident insurance).
References:Maryland Health-General Article, § 19-701; MIA HMO guidelines.

NEW QUESTION # 169
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