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

SectionObjectives
Life Insurance- Life insurance policies
  • 1. Term life insurance
    • 2. Whole life insurance
      • 3. Universal life insurance
        - Policy provisions and riders
        • 1. Beneficiaries and settlements
          • 2. Policy loans and dividends
            State Law and Regulations- Insurance producer regulations
            • 1. Ethics and fiduciary duties
              • 2. Licensing requirements
                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
                          General Insurance Concepts- Insurance principles and risk management
                          • 1. Risk types and management methods
                            • 2. Insurance contract fundamentals

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                              Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q255-Q260):

                              NEW QUESTION # 255
                              A company's universal life insurance policy must disclose the:

                              Answer: D

                              Explanation:
                              Comprehensive and Detailed in Depth Explanation:
                              The correct answer isB. Surrender charges of the policy. Under Maryland's official universal life insurance regulation, each universal life insurance policy must include certain mandatory policy provisions.
                              Specifically, COMAR 31.09.15.09 requires the policy to contain a general description of how cash surrender values are calculated, including "any surrender or partial withdrawal charges." Therefore, a universal life insurance policy must disclose surrender charges because they directly affect the amount payable to the policyowner if the policy is surrendered.
                              Option A is incorrect because the regulation does not say the policy must disclose the general availability of riders as the required answer here. Riders may appear in policy reports or policy documents when applicable, but the mandatory disclosure tested in this question is the surrender or withdrawal charge. Option C is incorrect because the "corridor" concept relates to maintaining a required relationship between the death benefit and cash value, but Maryland's cited universal life policy provision does not make "meaning of a corridor" the required disclosure in this question. Option D is incorrect because the regulation requires disclosure of limitations on changing basic coverage if the policyowner has that right, but it does not state that the company must disclose the maximum face amount an individual can purchase as the required universal life disclosure here.
                              Official Maryland Reference: COMAR 31.09.15.09 - Mandatory Policy Provisions, Universal Life Insurance, especially subsection D on calculation of cash surrender values and disclosure of surrender or partial withdrawal charges. COMAR 31.09.15 is the Maryland regulation chapter specifically governing universal life insurance.


                              NEW QUESTION # 256
                              When determining the premiums for large groups, most insurance companies use:

                              Answer: D

                              Explanation:
                              Large group premiums (Insurance Article, § 15-1205) use experience rating, basing rates on the group's claims history. Occupational rating applies to specific jobs, area rating to geography, and pooled rating to small groups, none of which dominate large groups.
                              References:Maryland Insurance Article, § 15-1205; MIA group insurance guidelines.


                              NEW QUESTION # 257
                              In Maryland, continuation of medical plan coverage for a handicapped child beyond the age limit stated in the policy may require proof of the child's:

                              Answer: B

                              Explanation:
                              Under Insurance Article, § 15-401, coverage for handicapped children extends beyond age limits if they're incapacitated (unable to work) and dependent on the insured at the age limit. Insurability isn't required, incapacity alone isn't enough, and dependency isn't time-limited to two years.
                              References:Maryland Insurance Article, § 15-401; MIA dependent coverage rules.


                              NEW QUESTION # 258
                              Who usually selects the beneficiary of a life insurance policy?

                              Answer: A

                              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 # 259
                              Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:

                              Answer: A

                              Explanation:
                              For non-guaranteed issue long-term care policies (Insurance Article, § 18-107), a physical exam report is required for applicants 80+ to assess risk, not family consent, living wills, or power of attorney.
                              References:Maryland Insurance Article, § 18-107; MIA LTC underwriting rules.


                              NEW QUESTION # 260
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