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

SectionObjectives
Topic 1: Insurance Fundamentals- Basic insurance principles
- Insurable interest and risk management concepts
Topic 2: Life Insurance- Life policy provisions and riders
- Types of life insurance policies
  • 1. Term life insurance
    • 2. Universal life insurance
      • 3. Whole life insurance
        Topic 3: Accident and Health Insurance- Disability income and medical expense coverage
        - Health insurance plans and structures
        Topic 4: State Insurance Regulations- Producer licensing requirements
        - Unfair trade practices and compliance
        Topic 5: Policy Provisions and Options- Standard policy provisions
        - Beneficiaries and policy ownership
        Topic 6: Ethics and Professional Conduct- Ethical responsibilities of insurance producers
        - Consumer protection standards
        Topic 7: Annuities- Accumulation and payout options
        - Annuity types and features
        Topic 8: Federal Regulations and Taxation- Tax treatment of insurance products
        - Federal insurance-related regulations

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        Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q119-Q124):

        NEW QUESTION # 119
        To be eligible for major medical extended care benefits, a patient must:

        Answer: B

        Explanation:
        Extended care under major medical (Insurance Article, § 15-201) requires continuous skilled nursing care (e.
        g., nursing home), not just terminal illness, surgery, or therapy, which have broadercriteria.
        References:Maryland Insurance Article, § 15-201; MIA major medical standards.


        NEW QUESTION # 120
        (Which annuity pays a monthly benefit that begins approximately one month after issuance?)

        Answer: A

        Explanation:
        Comprehensive and Detailed Step by Step Explanation:
        * Immediate annuity definition:An annuity where payments begin soon after purchase-commonly within about one payment interval (often ~30 days).
        * Why D is correct:"Begins approximately one month after issuance" is the classic description of animmediate annuity.
        * Why others are wrong:The other choices are not the standard term for the "start right away" annuity structure.
        * Maryland reference:As with all products, describing payment start dates inaccurately can be a misleading disclosure; Maryland treats incomplete or misleading disclosure as misrepresentation.


        NEW QUESTION # 121
        Which of the following statements about participating life insurance is true?

        Answer: A

        Explanation:
        Participating life insurance policies, often issued by mutual companies, include the possibility of dividends:
        Dividends (A) represent a share of surplus profits distributed to policyowners.
        Policyowners are not assessed for losses (B); the insurer bears those.
        The insured and policyowner can be different individuals, making (C) incorrect.
        Mutual insurers typically issue participating policies, not stock companies (D).
        References: Maryland Insurance Law on Participating Policies.


        NEW QUESTION # 122
        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 # 123
        An insurable interest in each other ' s lives may exist in the absence of an economic interest when the individuals are:

        Answer: D

        Explanation:
        For life insurance, an insurable interest exists when there is a legitimate interest in the continued life of another person:
        Marriage partners (C) inherently have insurable interest due to emotional and legal ties.
        Competitors (A) and traveling companions (D) do not usually meet the legal threshold.
        Business associates (B) may have insurable interest, but only in specific agreements (e.g., buy-sell agreements).
        References: Maryland Insurance Code and Insurable Interest Provisions.


        NEW QUESTION # 124
        ......

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