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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. Long-term care insurance
    • 2. Medical expense insurance
      • 3. Disability income insurance
        - Policy provisions
        • 1. Exclusions and limitations
          • 2. Coordination of benefits
            State Law and Regulations- Insurance producer regulations
            • 1. Ethics and fiduciary duties
              • 2. Licensing requirements
                General Insurance Concepts- Insurance principles and risk management
                • 1. Insurance contract fundamentals
                  • 2. Risk types and management methods
                    Life Insurance- Life insurance policies
                    • 1. Term life insurance
                      • 2. Universal 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 (Q175-Q180):

                              NEW QUESTION # 175
                              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 # 176
                              Which benefit is usually excluded from major medical expense plan coverage?

                              Answer: C

                              Explanation:
                              Major medical plans (Insurance Article, § 15-201) cover hospice, drugs, and therapy, but excluderoutine dental care, which requires separate dental insurance.
                              References:Maryland Insurance Article, § 15-201; MIA major medical standards.


                              NEW QUESTION # 177
                              In Maryland, an insurance producer is a person who solicits, negotiates, or sells insurance plans PRIMARILY in conjunction with:

                              Answer: D

                              Explanation:
                              A producer (Insurance Article, § 1-101(aa)) solicits and sells insurance primarily for commissions, distinguishing them from clerical staff, enrollment facilitators, or salaried insurer employees. This reflects their independent role.
                              References:Maryland Insurance Article, § 1-101(aa), § 10-101; MIA producer definitions.


                              NEW QUESTION # 178
                              The primary purpose of disability income insurance is to:

                              Answer: B

                              Explanation:
                              Disability income insurance (Insurance Article, § 15-201) replaces income during disability, not life indemnity, hospital costs (health insurance), or physician fees (medical insurance). It supports financial stability when work is impossible.
                              References:Maryland Insurance Article, § 15-201; MIA disability insurance standards.


                              NEW QUESTION # 179
                              An insurance policy could be issued to cover losses resulting from any of the following EXCEPT:

                              Answer: A

                              Explanation:
                              Insurance (Insurance Article, § 12-101) covers legal risks like skydiving, events, or plants, but not illegal acts like drug smuggling, barred by public policy.
                              References:Maryland Insurance Article, § 12-101; MIA insurability guidelines.


                              NEW QUESTION # 180
                              ......

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