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

Section	Objectives
Life Insurance	- Life insurance policies 1. Whole life insurance 2. Term life insurance 3. Universal life insurance - Policy provisions and riders 1. Beneficiaries and settlements 2. Policy loans and dividends
General Insurance Concepts	- Insurance principles and risk management 1. Insurance contract fundamentals 2. Risk types and management methods
Accident and Health Insurance	- Policy provisions 1. Exclusions and limitations 2. Coordination of benefits - Health insurance types 1. Medical expense insurance 2. Long-term care insurance 3. Disability income insurance
State Law and Regulations	- Insurance producer regulations 1. Licensing requirements 2. Ethics and fiduciary duties

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q87-Q92):

NEW QUESTION # 87
The provision in a life insurance policy that allows the policyowner to cancel the policy within a limited period of time after delivery of the policy and receive a full premium refund is the:

A. Probationary period
B. Grace period
C. Free look period
D. Discovery period

Answer: C

Explanation:
Purpose of the free look period.
The free look period allows the policyowner to review the policy after delivery.
Consumer protection function.
Maryland law requires a minimum free look period (commonly 10 days).
If cancelled within this time, the policyowner receives a full refund.
Why the other options are incorrect.
Discovery period: Related to claims-made policies.
Probationary period: Often associated with health insurance waiting periods.
Grace period: Allows late premium payment, not cancellation.
Conclusion.
The correct provision is the free look period.

NEW QUESTION # 88
All of the following are characteristics of a preferred risk applicant for disability income insurance EXCEPT:

A. High income
B. Physically active
C. Non-smoker
D. Non-hazardous occupation

Answer: A

Explanation:
Preferred risk applicants (Insurance Article, § 15-201) have low disability risk due to non-smoking, safe jobs, and physical activity. High income affects benefit amounts, not risk classification, making it the exception.
References:Maryland Insurance Article, § 15-201; MIA underwriting standards.

NEW QUESTION # 89
An individual life insurance policy may include coverage for all of the following EXCEPT:

A. Disability
B. Long-term care
C. Burial
D. Workers ' compensation

Answer: D

Explanation:
Individual life insurance policies often allow riders or supplementary coverage options, but they do not cover workers ' compensation, which is a separate insurance category.
Disability (A): Can be included as a rider, such as a waiver of premium or disability income benefit.
Long-term care (B): Often available as an optional rider to address extended medical care expenses.
Burial (D): Final expense policies or riders can be added to cover funeral and burial costs.
Workers' compensation (C): Not covered under life insurance policies; this is a specific insurance product regulated differently.
References: Maryland Life Insurance Rider Guidelines, Workers ' Compensation Insurance Regulations, and COMAR 31.09.03.

NEW QUESTION # 90
How long will income benefit payments continue under a life annuity with ten years certain?

A. Only until the annuitant dies, regardless of when death occurs
B. Until the annuitant dies, or for ten years, whichever is longer
C. Only for ten years, regardless of how long the annuitant lives
D. Until the annuitant dies, and for an additional ten years

Answer: B

Explanation:
A life annuity with a ten years certain provision guarantees payments for at least ten years. If the annuitant dies before the end of ten years, payments continue to the beneficiary for the remainder of the period.
Until the annuitant dies, or for ten years, whichever is longer (A): Ensures payments for life with a minimum ten-year guarantee.
Until the annuitant dies, and for an additional ten years (B): Incorrect; payments cease after the guaranteed period or the annuitant's lifetime.
Only until the annuitant dies (C): Incorrect; the ten-year guarantee applies.
Only for ten years (D): Incorrect; payments continue if the annuitant outlives the guaranteed period.
References: Maryland Annuity Payout Options Guidelines, COMAR 31.09.08.

NEW QUESTION # 91
In the event of a death claim under a life insurance policy, what happens to the amount of any existing policy loan?

A. It is deducted from the face amount of the policy together with any interest due.
B. It represents a primary claim against the estate of the insured.
C. The beneficiary has an obligation to pay the amount to the insurance company.
D. It is canceled, and the beneficiary receives the face amount of the policy.

Answer: A

Explanation:
When a death claim is filed on a life insurance policy with an outstanding loan:
Deducted from the face amount (A): The death benefit is reduced by the loan balance plus any accrued interest, ensuring the insurer recovers the outstanding debt.
Beneficiary obligation (B): Incorrect. The beneficiary receives the adjusted benefit without personal liability for the loan.
Claim against the estate (C): Incorrect. The loan is tied to the policy, not the estate.
Canceled without adjustment (D): Incorrect, as insurers must recoup the loan amount from the death benefit.
References: Maryland Life Insurance Policy Loan Provisions, COMAR 31.09.03, and Standard Death Claim Settlement Practices.

NEW QUESTION # 92
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