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

SectionWeightObjectives
Accident and Health / Sickness Insurance20%- HMO, PPO, group vs individual coverage
- Disability income, medical expense, and long-term care
- Mandatory benefits and state-specific health rules
- Health insurance basics and policy provisions
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
- Ethics, unfair trade practices, and consumer protection
- State insurance laws and Maryland regulations
Annuities and Retirement Products10%- Fixed, indexed, and variable annuities
- Tax treatment and suitability standards
Life Insurance Basics and Policies25%- Types of life insurance: term, whole, universal, variable
- Policy provisions, riders, and options
- Beneficiaries, claims, and settlement options

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q15-Q20):

NEW QUESTION # 15
All of the following are underwriting criteria for individual life insurance EXCEPT:

Answer: A

Explanation:
Purpose of underwriting criteria.
Underwriting criteria must relate to risk assessment or policy performance.
Permissible factors.
Gender: Historically used where actuarially justified.
Occupation: Reflects hazard exposure.
Ability to pay premiums: Ensures policy sustainability.
Prohibited factors.
Religion is a protected characteristic and cannot be used in underwriting.
Maryland anti-discrimination rules.
Maryland prohibits unfair discrimination unrelated to actuarial risk.
Conclusion.
Religion is not a lawful underwriting criterion.


NEW QUESTION # 16
It is unlawful for a person to provide an advertisement that:

Answer: C

Explanation:
Advertisements (Insurance Article, § 27-503) can highlight advantages or ratings if true, but misrepresenting coverage via a title is illegal, deceiving consumers about policy benefits.
References:Maryland Insurance Article, § 27-503; MIA advertising standards.


NEW QUESTION # 17
Splitting the commission with the buyer on a sale of insurance is an unfair trade practice known as:

Answer: D

Explanation:
Rebating occurs when an insurance producer offers a portion of their commission, premium reductions, or other inducements to buyers that are not explicitly stated in the policy. It is prohibited under Maryland law to ensure fair competition and maintain ethical standards.
Rebating (D): Involves returning part of the commission or providing benefits not in the policy to incentivize a sale, violating Maryland Insurance Article §27-212.
Twisting (A): Refers to persuading a policyholder to lapse or replace a policy through misrepresentation, unrelated to commission-sharing.
Binding (B): Relates to confirming coverage but does not involve commissions.
Soliciting (C): Refers to seeking potential clients, not the unfair practice of rebating.
References: Maryland Unfair Trade Practices Act, COMAR 31.15.05, and Maryland Insurance Article §27-
209.


NEW QUESTION # 18
Which employers can offer 403(b) tax-sheltered annuities (TSAs)?

Answer: D

Explanation:
Purpose of 403(b) plans.
403(b) plans are retirement plans designed for public education and non-profit employees.
Eligible employers under federal tax law.
Only:
Public school systems
Certain tax-exempt organizations (501(c)(3))
are permitted to sponsor 403(b) plans.
Why the other options are incorrect.
Corporations and professional firms use 401(k) plans.
Government employers generally use 457 plans.
Self-employed and partnerships use SEP or SIMPLE plans.
Maryland producer relevance.
Producers must recommend retirement products consistent with employer eligibility to meet suitability and good-faith standards.
Conclusion.
Only school districts and certain non-profit organizations may offer 403(b) TSAs.


NEW QUESTION # 19
How many days does a former employee have to convert a group term policy to an individual policy after employment is terminated?

Answer: D

Explanation:
Under Maryland insurance law, a terminated employee has 31 days (D) to convert a group term life insurance policy into an individual policy without providing evidence of insurability.
This grace period allows individuals to maintain coverage while securing individual insurance.
10 (A), 20 (B), or 30 days (C) are incorrect, as Maryland mandates a specific 31-day window.
References: Maryland Conversion Rights in Group Life Insurance Policies, Section 15-401 of the Insurance Article.


NEW QUESTION # 20
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