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

Section	Objectives
Life Insurance	- Policy provisions and riders 1. Policy loans and dividends 2. Beneficiaries and settlements - Life insurance policies 1. Term life insurance 2. Universal life insurance 3. Whole life insurance
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
Accident and Health Insurance	- Health insurance types 1. Medical expense insurance 2. Disability income insurance 3. Long-term care insurance - Policy provisions 1. Exclusions and limitations 2. Coordination of benefits

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q185-Q190):

NEW QUESTION # 185
An insurer may pay a commission directly or indirectly to:

A. A producer whose license is terminated after earning the commission
B. A surplus lines broker operating without a license for less than one year
C. An unlicensed employee of the insurer
D. Anyone soliciting business for the insurer

Answer: A

NEW QUESTION # 186
If an employer with 200 employees wants to offer health insurance and calls a SHOP Exchange Navigator, what should the navigator do?

A. Refer the employer to a licensed insurance producer
B. Refer the employer to the carrier where a friend works
C. Help the employer sign-up through the SHOP Exchange
D. Refer the employer to the Maryland Insurance Administration

Answer: A

Explanation:
SHOP Exchange (Insurance Article, § 31-101) serves employers with 1-50 employees; a 200-employee firm exceeds this, so the navigator should refer them to a producer for large group plans, not assist via SHOP, refer personally, or send to the MIA.
References:Maryland Insurance Article, § 31-101; MIA SHOP Exchange guidelines.

NEW QUESTION # 187
All of the following statements about universal life insurance are true EXCEPT:

A. Failure to pay the renewal premium automatically causes the policy to lapse
B. The Internal Revenue Code places a minimum limitation on the difference between the cash value and the death benefit
C. Withdrawals of the policy cash value are permitted and sometimes subject to a surrender charge
D. It may be written with either a level death benefit or an increasing death benefit

Answer: A

Explanation:
Universal life insurance policies offer flexibility and adaptability, but they also have specific rules:
Minimum cash value vs. death benefit (A): Correct. IRS rules require a minimum difference to maintain tax- advantaged status.
Level or increasing death benefits (B): Correct. Policyholders can choose based on their needs.
Cash value withdrawals (C): Correct. Withdrawals are allowed but may incur surrender charges.
Automatic lapse (D): Incorrect. Universal life does not immediately lapse due to missed payments; instead, costs are deducted from the cash value, and the policy remains in force until the cash value is depleted.
References: Maryland Insurance Administration Policy Lapse Guidelines, IRS Tax Code §7702, and COMAR
31.09.13.

NEW QUESTION # 188
Misrepresenting pertinent policy provisions relating to coverages after a loss is:

A. A concealment in insurance applications
B. An unfair discrimination between individuals
C. A violation of the principle of adhesion
D. An unfair claim settlement practice

Answer: D

Explanation:
Misrepresenting coverage post-loss (Insurance Article, § 27-303) is an unfair claims practice, deceiving claimants about benefits. Concealment applies pre-policy, discrimination involves unequal treatment, and adhesion relates to contract terms, not claims.
References:Maryland Insurance Article, § 27-303; MIA claims practices.

NEW QUESTION # 189
Needs analysis is a method of life insurance planning which:

A. Eliminates the need for estimating future interest and inflation rates
B. Ignores Social Security benefit payments
C. Requires the team effort of the producer and home office underwriter
D. Identifies the needs of an individual and the individual's dependents

Answer: D

Explanation:
Definition of needs analysis.
Needs analysis is a planning method that evaluates:
Income replacement
Debts
Education funding
Final expenses
Survivor needs
Purpose of the method.
To determine how much life insurance is needed, not just whether insurance is needed.
Evaluate each option.
A). Identifies needs of the individual and dependents
Correct. This is the core function.
B). Eliminates future estimates
Incorrect. Inflation and interest must still be considered.
C). Requires underwriter participation
Incorrect. Needs analysis is done by the producer and client.
D). Ignores Social Security
Incorrect. Social Security benefits are included in analysis.
Maryland suitability relevance.
Needs analysis supports suitability and good-faith recommendations required by Maryland law.
Conclusion.
Needs analysis identifies the financial needs of the individual and dependents.

NEW QUESTION # 190
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