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

SectionObjectives
Topic 1: General Insurance Concepts- Insurance principles and risk management
  • 1. Insurance contract fundamentals
    • 2. Risk types and management methods
      Topic 2: Accident and Health Insurance- Policy provisions
      • 1. Exclusions and limitations
        • 2. Coordination of benefits
          - Health insurance types
          • 1. Medical expense insurance
            • 2. Disability income insurance
              • 3. Long-term care insurance
                Topic 3: Life Insurance- Life insurance policies
                • 1. Universal life insurance
                  • 2. Whole life insurance
                    • 3. Term life insurance
                      - Policy provisions and riders
                      • 1. Policy loans and dividends
                        • 2. Beneficiaries and settlements
                          Topic 4: State Law and Regulations- Insurance producer regulations
                          • 1. Ethics and fiduciary duties
                            • 2. Licensing requirements

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                              Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q45-Q50):

                              NEW QUESTION # 45
                              Who has the right to change the beneficiary of an accident and health policy with a revocable beneficiary designation?

                              Answer: C

                              Explanation:
                              With a revocable beneficiary (Insurance Article, § 16-201), the policyowner retains the right to change the beneficiary, not the beneficiary, insurer, or producer, who lack such authority.
                              References:Maryland Insurance Article, § 16-201; MIA policy ownership rules.


                              NEW QUESTION # 46
                              In Maryland, an insurance producer is a person who solicits, negotiates, or sells insurance plans PRIMARILY in conjunction with:

                              Answer: D

                              Explanation:
                              A producer (Insurance Article, § 1-101(aa)) solicits and sells insurance primarily for commissions, distinguishing them from clerical staff, enrollment facilitators, or salaried insurer employees. This reflects their independent role.
                              References:Maryland Insurance Article, § 1-101(aa), § 10-101; MIA producer definitions.


                              NEW QUESTION # 47
                              The designation of a beneficiary by class in a life insurance policy means that:

                              Answer: C

                              Explanation:
                              What "beneficiary by class" means.
                              A class designation identifies beneficiaries by group description, not by individual names.
                              Examples include:
                              "Children of the insured"
                              "Surviving spouse"
                              How benefits are paid.
                              Members of the class who qualify at the insured's death receive proceeds.
                              Shares are divided equally unless stated otherwise.
                              Evaluate each option.
                              A). Business life insurance
                              Incorrect. Class designation can be used in personal policies.
                              B). No primary beneficiary allowed
                              Incorrect. A class can be a primary beneficiary.
                              C). Individuals not named
                              Correct. The class is described, not named individually.
                              D). Unrelated beneficiaries
                              Incorrect. Class members are often family.
                              Maryland relevance.
                              Maryland recognizes class designations as valid beneficiary arrangements.
                              Conclusion.
                              A class designation means beneficiaries are not named individually.


                              NEW QUESTION # 48
                              Which advantage does an employer gain by providing a qualified retirement plan, as contrasted to a non- qualified plan?

                              Answer: A

                              Explanation:
                              Qualified retirement plans, such as 401(k) and pension plans, offer significant tax advantages for employers:
                              Tax-deductible contributions (B): Employer contributions to qualified plans are deductible as business expenses, reducing taxable income.
                              Exclusive benefit for key employees (A): Not allowed under IRS rules, as qualified plans must follow non- discrimination requirements.
                              Funds available for business needs (C): Incorrect, as plan funds are held in trust and cannot be used for business operations.
                              Rewarding selected employees (D): Qualified plans must comply with anti-discrimination rules, so rewards must benefit all eligible employees.
                              References: IRS Publication 560, Maryland Retirement Plan Standards, and COMAR 31.09.11.


                              NEW QUESTION # 49
                              (If Kim applies for a life insurance policy on Kim's own life and names Chris to receive the death benefit:)

                              Answer: D

                              Explanation:
                              Comprehensive and Detailed Step by Step Explanation:
                              * Applicant:The person who applies for the policy. Here, Kim applies #Kim is the applicant.
                              * Insured:The person whose life is covered. It says "on Kim's own life" #Kim is the insured.
                              * Beneficiary:The person who receives the death benefit. Kim names Chris to receive it #Chris is the beneficiary.
                              * Policyowner:Usually the applicant/insured when you buy insurance on yourself (unless ownership is assigned differently). Here, Kim applies on Kim's life #Kim is typically the policyowner.
                              * Why B is correct:Kim is thepolicyownerandapplicant.
                              * Maryland reference (communication / misrepresentation):Producers must accurately describe roles
                              /rights (owner rights, beneficiary rights). Misstating who controls the policy could be misleading disclosure (misrepresentation).


                              NEW QUESTION # 50
                              ......

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