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

SectionWeightObjectives
Topic 1: General Insurance Concepts15%- Contract law and principles
- Underwriting, premium calculation, and taxation
- Insurable interest and risk management
Topic 2: Accident and Health / Sickness Insurance20%- Disability income, medical expense, and long-term care
- Mandatory benefits and state-specific health rules
- HMO, PPO, group vs individual coverage
- Health insurance basics and policy provisions
Topic 3: Life Insurance Basics and Policies25%- Policy provisions, riders, and options
- Types of life insurance: term, whole, universal, variable
- Beneficiaries, claims, and settlement options
Topic 4: Insurance Regulation30%- Policy delivery, replacement rules, and disclosure
- Ethics, unfair trade practices, and consumer protection
- State insurance laws and Maryland regulations
- Licensing requirements and procedures
Topic 5: Annuities and Retirement Products10%- Tax treatment and suitability standards
- Fixed, indexed, and variable annuities

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q257-Q262):

NEW QUESTION # 257
In dental insurance coverage, which one of the following typically is EXCLUDED?

Answer: A

Explanation:
Dental insurance (Insurance Article, § 15-201) covers preventive care, X-rays, and root canals, but excludes treatment started before the eligibility date to avoid claims for pre-existing work. This ensures coverage applies only to services initiated under the policy.
References:Maryland Insurance Article, § 15-201; MIA dental insurance standards.


NEW QUESTION # 258
A group policy may be issued to a labor union. The members eligible for insurance under the policy shall be:

Answer: C

Explanation:
When a group policy is issued to a labor union, Maryland law requires that eligibility criteria ensure fairness and inclusivity:
All of the members of the union (B): Eligible members must be treated equally under the group policy.
Coverage cannot exclude individuals based on factors like age or health, provided they are active members.
Members of any union (A): Policies are issued to specific unions, not broadly.
Only members under age 65 (C): Age discrimination is prohibited unless specifically linked to policy provisions.
Healthy members (D): Group policies cannot discriminate based on health status.
References: Maryland Group Insurance Regulations, COMAR 31.09.06, and Labor Union Group Policies Guidelines.


NEW QUESTION # 259
A life insurance producer is normally responsible for all of the following EXCEPT:

Answer: A

Explanation:
Producers have defined responsibilities, but they:
Do not approve policies for issue (C); this authority lies with the insurer ' s underwriting department.
Deliver policies (A) and notify insurers about replacements (B) as part of their role.
Collecting initial premiums (D) is a standard practice.
References: Maryland Producer Responsibilities Guidelines.


NEW QUESTION # 260
All of the following factors may affect premium determination in individual life insurance EXCEPT:

Answer: D

Explanation:
Comprehensive and Detailed Step by Step Explanation:Premium determination in life insurance depends on factors that measure risk, butrace (D)is not and cannot be used due to anti-discrimination laws.
Age (A):A primary factor; younger applicants are charged lower premiums due to lower mortality risk.
Health (B):Significant; poor health or pre-existing conditions increase premiums.
Occupation (C):Risky professions (e.g., construction or aviation) may result in higher premiums.
Race (D):Prohibited by Maryland law, which ensures fairness and prohibits underwriting based on race, ethnicity, or similar discriminatory criteria.
References:Maryland Insurance Article §27-501, COMAR 31.09.03, and Anti-Discrimination Standards in Insurance.


NEW QUESTION # 261
A policy of life insurance may not be delivered unless the policy has a:

Answer: B

Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer is A. Legible and brief description of the policy on the first page. Maryland Insurance Article §16-213 states that a life insurance policy, other than group life insurance, may not be delivered or issued for delivery in Maryland unless the policy has a legible and brief description of the policy on the first page. The statute also lists what that brief description must include, such as the policy title, type, or plan; how long premiums are to be paid; whether premiums may change; whether the policy is participating or nonparticipating; and certain other required items. A notary seal, premium coupon book, or insurer financial statement is not the required delivery condition tested here. Official Maryland Reference: Maryland Insurance Article §16-213.


NEW QUESTION # 262
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