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

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

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2026 Useful Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo: Life and Accident and Health or Sickness Producer - Combo Series 20-30 Practice Exam Online

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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
To be deemed a " qualified employer " under the Maryland Health Benefit Exchange Act, anemployer MUST:

Answer: B

Explanation:
The Maryland Health Benefit Exchange Act (Insurance Article, § 31-101) defines a qualified employer as one with its principal place of business in Maryland for SHOP Exchange eligibility. Premium contributions are optional, and employee work or residency percentages aren't required.
References:Maryland Insurance Article, § 31-101; MIA SHOP Exchange rules.


NEW QUESTION # 165
The needs approach in life insurance is most useful in determining:

Answer: B

Explanation:
Purpose of the needs approach.
The needs approach calculates the amount of life insurance needed to meet specific financial obligations upon the insured's death.
Apply the concept.
It considers income replacement, debts, education costs, and final expenses.
Evaluate each option.
A). Types of individuals
Prospecting issue, not a needs analysis.
B). Amount of life insurance
Correct. This is the primary use of the needs approach.
C). Best companies
Product selection issue, not needs-based.
D). Prospecting method
Sales strategy, not needs-based.
Maryland suitability relevance.
Maryland requires producers to make suitable recommendations, and the needs approach supports suitability and good faith.
Conclusion.
The needs approach is used to determine how much insurance to recommend.


NEW QUESTION # 166
Which of the following statements about cash values in whole life insurance policies is true?

Answer: B

Explanation:
Cash values in whole life insurance are a key feature, and they:
Accumulate as a result of the level premium concept (A), where excess premiums in the early years of the policy build the cash value.
Are guaranteed in whole life policies, contrary to option B.
Do not equal the face value at age 65 (C) unless specifically structured for that purpose.
Continue to grow beyond age 65 as long as the policy remains active, invalidating option D.
References: Maryland Insurance Guidelines on Whole Life Policies, Cash Value, and Premium Structures.


NEW QUESTION # 167
Policy loan provisions may be found in all of the following life insurance policies EXCEPT:

Answer: C

Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer isB. Five-year term life. Policy loans are associated with life insurance policies that buildcash surrender value, such as whole life, limited-pay whole life, and universal life. Maryland's life insurance regulation states that a policy loan provision applies after premiums have been paid for three full years and after the policy has a cash surrender value. The same Maryland regulation also states that, at the insurer's option, the policy loan provision may be omitted in aterm life insurance policy.
A twenty-payment life policy is a limited-pay whole life policy and normally develops cash value. Whole life also develops cash value. Universal life is also a cash-value policy; Maryland's universal life regulation specifically includes policy loans in the definition of cash surrender value. A five-year term policy provides temporary death protection and generally has no cash value, so it is the exception. Official Maryland References: COMAR 31.09.01.08J, Policy Loans, and COMAR 31.09.15.03, Universal Life Insurance definitions.


NEW QUESTION # 168
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 # 169
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