New Life-and-Accident-and-Health-or-Sickness-Producer-Combo Real Exam - Life-and-Accident-and-Health-or-Sickness-Producer-Combo Actual Exam Dumps

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

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

        >> New Life-and-Accident-and-Health-or-Sickness-Producer-Combo Real Exam <<

        Quiz 2026 Insurance Licensing Professional Life-and-Accident-and-Health-or-Sickness-Producer-Combo: New Life and Accident and Health or Sickness Producer - Combo Series 20-30 Real Exam

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        Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q113-Q118):

        NEW QUESTION # 113
        Which advantage is available to employees participating in a qualified profit-sharing plan?

        Answer: C

        Explanation:
        Nature of qualified profit-sharing plans.
        Profit-sharing plans are qualified retirement plans under federal tax law.
        Tax treatment of contributions.
        Employer contributions to the plan are not included in the employee's current taxable income.
        Taxes are deferred until distribution.
        Why the other options are incorrect.
        A). Avoid penalties: Early distributions may still be penalized.
        C). Defined benefit vs. defined contribution: Profit-sharing plans are defined contribution plans only.
        D). Earnings tax-free: Earnings are tax-deferred, not tax-free.
        Maryland tax conformity.
        Maryland generally follows federal income tax treatment for qualified plans.
        Conclusion.
        The key advantage is current income tax exclusion of contributions.


        NEW QUESTION # 114
        The reinstatement provision in individual accident and health insurance:

        Answer: B

        Explanation:
        Comprehensive and Detailed in Depth Explanation:
        The correct answer is B. Allows the insured to reinstate the policy after coverage lapses for nonpayment of premium. Under Maryland Insurance Article §15-210, each health insurance policy must contain a reinstatement provision. If a renewal premium is not paid within the time allowed, later acceptance of the premium by the insurer or an authorized insurance producer can reinstate the policy. If an application for reinstatement is required, the policy is reinstated when the insurer approves the application or, if the insurer does not disapprove it in writing, on the 45th day after the conditional receipt. This provision is about restoring a lapsed policy, not restoring the face amount after a claim, changing application statements, or requiring approval from the Maryland Insurance Administration. Official Maryland Reference: Maryland Insurance Article §15-210, Reinstatement.


        NEW QUESTION # 115
        All of the following may be used as selection criteria in individual life insurance underwriting EXCEPT:

        Answer: B

        Explanation:
        Purpose of underwriting selection criteria.
        Underwriting evaluates risk factors that affect life expectancy and mortality.
        Evaluate each option.
        A). Age
        A fundamental actuarial factor.
        B). National origin
        Prohibited. Maryland and federal law prohibit discrimination based on national origin.
        C). Health status
        A core underwriting factor.
        D). Smoking habits
        A valid mortality-related risk factor.
        Maryland anti-discrimination rules.
        Maryland law prohibits unfair discrimination unrelated to actuarial risk.
        Conclusion.
        National origin may not be used as an underwriting selection criterion.


        NEW QUESTION # 116
        A company's universal life insurance policy must disclose the:

        Answer: A

        Explanation:
        Comprehensive and Detailed in Depth Explanation:
        The correct answer isB. Surrender charges of the policy. Under Maryland's official universal life insurance regulation, each universal life insurance policy must include certain mandatory policy provisions.
        Specifically, COMAR 31.09.15.09 requires the policy to contain a general description of how cash surrender values are calculated, including "any surrender or partial withdrawal charges." Therefore, a universal life insurance policy must disclose surrender charges because they directly affect the amount payable to the policyowner if the policy is surrendered.
        Option A is incorrect because the regulation does not say the policy must disclose the general availability of riders as the required answer here. Riders may appear in policy reports or policy documents when applicable, but the mandatory disclosure tested in this question is the surrender or withdrawal charge. Option C is incorrect because the "corridor" concept relates to maintaining a required relationship between the death benefit and cash value, but Maryland's cited universal life policy provision does not make "meaning of a corridor" the required disclosure in this question. Option D is incorrect because the regulation requires disclosure of limitations on changing basic coverage if the policyowner has that right, but it does not state that the company must disclose the maximum face amount an individual can purchase as the required universal life disclosure here.
        Official Maryland Reference: COMAR 31.09.15.09 - Mandatory Policy Provisions, Universal Life Insurance, especially subsection D on calculation of cash surrender values and disclosure of surrender or partial withdrawal charges. COMAR 31.09.15 is the Maryland regulation chapter specifically governing universal life insurance.


        NEW QUESTION # 117
        In general practice, which one of the following is true of the powers of the Maryland Insurance Administration with respect to access to a producer's business records?

        Answer: C

        Explanation:
        The MIA (Insurance Article, § 2-207) can request and access producer records for audits or investigations, overriding privacy for regulatory purposes. Court orders or NAIC approval aren't required, and access is a standard power.
        References:Maryland Insurance Article, § 2-207; MIA regulatory authority.


        NEW QUESTION # 118
        ......

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