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

SectionWeightObjectives
Insurance Regulation30%- Licensing requirements and procedures
- State insurance laws and Maryland regulations
- Policy delivery, replacement rules, and disclosure
- Ethics, unfair trade practices, and consumer protection
Accident and Health / Sickness Insurance20%- Mandatory benefits and state-specific health rules
- Disability income, medical expense, and long-term care
- HMO, PPO, group vs individual coverage
- Health insurance basics and policy provisions
General Insurance Concepts15%- Underwriting, premium calculation, and taxation
- Contract law and principles
- Insurable interest and risk management
Annuities and Retirement Products10%- Tax treatment and suitability standards
- Fixed, indexed, and variable annuities
Life Insurance Basics and Policies25%- Policy provisions, riders, and options
- Beneficiaries, claims, and settlement options
- Types of life insurance: term, whole, universal, variable

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q66-Q71):

NEW QUESTION # 66
To be eligible for major medical extended care benefits, a patient must:

Answer: C

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 # 67
To have " an insurable interest " in the life of another person, an individual must have a reasonable expectation of:

Answer: C

Explanation:
An insurable interest exists when the policyholder benefits more from the insured's life than their death.
Benefiting from the other person's continued life (C): Correct. This applies to relationships where there is a legal, financial, or familial dependence.
Gaining economically by the death of the other person (A): Mischaracterizes insurable interest; financial gain from death without a legitimate relationship is unethical and illegal.
Continuing on good terms (B) and seeing the person survive (D): Do not constitute insurable interest under Maryland law.
References: Maryland Insurance Article §12-201, Insurable Interest Guidelines, and COMAR 31.09.03.


NEW QUESTION # 68
The typical group disability income insurance policy EXCLUDES coverage for disability resulting from:

Answer: C

Explanation:
Group disability policies (Insurance Article, § 15-201) cover accidents like crashes or home injuries, but exclude military service disabilities, often covered by government programs (e.g., VA), reflecting standard exclusions.
References:Maryland Insurance Article, § 15-201; MIA disability insurance standards.


NEW QUESTION # 69
Under what circumstances will a contingent beneficiary be entitled to proceeds from a life insurance policy?

Answer: A

Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer isC. If the primary beneficiary has predeceased the insured. A contingent beneficiary, also called a secondary beneficiary, receives life insurance proceeds only if the primary beneficiary cannot receive them. The NAIC explains that primary beneficiaries receive the policy benefit if they outlive the insured, while contingent or secondary beneficiaries receive the proceeds if the primary beneficiary dies before the insured.
Option A is incorrect because a contingent beneficiary does not receive proceeds after the primary beneficiary has already been paid. Option B is incorrect because life insurance beneficiary rights are not based simply on whether all of the insured's debts have been settled. Option D is incorrect because being the insured's child does not automatically make someone the contingent beneficiary; the person must be properly designated under the policy. Maryland regulations require the policy to identify the beneficiary and reserve the policyowner's right to change the beneficiary unless the designation is irrevocable. Official References:
Maryland COMAR beneficiary provision and NAIC beneficiary guidance.


NEW QUESTION # 70
Based on the law of large numbers, which one of the following is true if the number of similar insured units increases?

Answer: C

Explanation:
Definition of the law of large numbers.
This actuarial principle states that as the number of exposure units increases, actual losses will more closely match expected losses.
Why insurers rely on this law.
It allows insurers to:
Set accurate premiums
Maintain solvency
Spread risk efficiently
Evaluate each option.
A). Predictability is impaired
Incorrect; predictability improves.
B). Individual losses predicted
Incorrect; only group results are predictable.
C). Predictability improves
Correct.
D). Number of losses decreases
Incorrect; frequency does not necessarily decline.
Maryland solvency oversight relevance.
The Maryland Insurance Administration relies on actuarial predictability to ensure insurers remain financially sound.
Conclusion.
Increasing similar exposure units improves predictability of losses.


NEW QUESTION # 71
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