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

SectionObjectives
Accident and Health Insurance- Disability income and medical expense coverage
- Health insurance plans and structures
Policy Provisions and Options- Beneficiaries and policy ownership
- Standard policy provisions
Annuities- Annuity types and features
- Accumulation and payout options
Federal Regulations and Taxation- Tax treatment of insurance products
- Federal insurance-related regulations
State Insurance Regulations- Unfair trade practices and compliance
- Producer licensing requirements
Life Insurance- Types of life insurance policies
  • 1. Whole life insurance
    • 2. Term life insurance
      • 3. Universal life insurance
        - Life policy provisions and riders
        Insurance Fundamentals- Basic insurance principles
        - Insurable interest and risk management concepts
        Ethics and Professional Conduct- Consumer protection standards
        - Ethical responsibilities of insurance producers

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        Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q103-Q108):

        NEW QUESTION # 103
        All of the following statements about the life insurance protection provided by a family life insurance policy are true EXCEPT:

        Answer: B

        Explanation:
        Family life insurance policies provide comprehensive coverage for families, including automatic coverage for certain dependents.
        Option A: Correct. A significant portion of the premium funds whole life insurance for the primary insured (typically the head of household).
        Option B: Correct. Dependent children born after the policy is issued are automatically covered, often without additional cost or underwriting.
        Option C: Incorrect. Family life insurance policies are not restricted to individuals under 30; this criterion does not exist in standard policy guidelines.
        Option D: Correct. Coverage for dependents can often be converted to whole life insurance at specific ages or policy milestones without medical underwriting.
        References: Maryland Family Life Insurance Policy Standards, COMAR 31.09.04, and Maryland Insurance Administration Dependent Coverage Guidelines.


        NEW QUESTION # 104
        Coverage for the first three pints of blood for Medicare enrollees is:

        Answer: D

        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 # 105
        To be deemed a " qualified employer " under the Maryland Health Benefit Exchange Act, anemployer MUST:

        Answer: A

        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 # 106
        Which one of the following life insurance settlement options pays a predetermined monthly benefit until principal and interest are exhausted?

        Answer: D

        Explanation:
        The fixed amount installment option provides for a predetermined monthly benefit to the policy beneficiary.
        Payments continue until the principal (death benefit) and accumulated interest are fully paid out.
        Fixed amount installment option (A): Ensures consistent payment amounts until the death benefit and interest are exhausted. This option is often used when beneficiaries want a steady income.
        Accelerated endowment option (B): Not relevant as it refers to early payouts for policies reaching maturity.
        Interest-only option (C): Only pays interest earned on the death benefit, leaving the principal untouched.
        Fixed period installment option (D): Guarantees payments for a specific period, regardless of whether the principal or interest is depleted.
        References: Maryland Life Insurance Policy Payout Regulations and Settlement Options Guidelines.


        NEW QUESTION # 107
        All of the following services are covered under the Medicare Supplement preventive care benefit EXCEPT:

        Answer: C

        Explanation:
        Medicare Supplement (Medigap, Insurance Article, § 15-901) covers preventive services like immunizations, hearing tests (if Medicare-eligible), and physicals, but outpatient prescription vitamins aren't a standard benefit under Medicare or Medigap.
        References:Maryland Insurance Article, § 15-901; CMS Medigap guidelines.


        NEW QUESTION # 108
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