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

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

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                              Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q154-Q159):

                              NEW QUESTION # 154
                              Who has the right to change the beneficiary of an accident and health policy with a revocable beneficiary designation?

                              Answer: D

                              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 # 155
                              The employer who receives and holds the insurance policy is known as the:

                              Answer: C

                              Explanation:
                              Comprehensive and Detailed in Depth Explanation:
                              The correct answer is C. Master policyholder. In group insurance, the insurance contract is issued to the group policyholder, often the employer, association, labor union, or other eligible group entity. Maryland's group health insurance regulation defines "group policyholder" as the entity to whom the group health insurance contract or blanket health insurance contract is issued. Maryland regulation also requires the carrier to provide certificates or coverage statements to the group policyholder for delivery to employees or members, unless the carrier delivers them directly. Therefore, the employer that receives and holds the group policy is commonly referred to as the master policyholder. Official Maryland References: COMAR 31.11.10.02 and COMAR
                              31.11.10.04.


                              NEW QUESTION # 156
                              When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

                              Answer: D

                              Explanation:
                              Federal tax rules (IRC § 105, § 106) make employer-paid medical benefits (major medical, dental, HMO) tax- free, but disability income benefits are taxable if employer-funded, as they replace income.
                              References:IRC § 105, § 106; Maryland Insurance Article, § 15-1201; MIA tax guidelines.


                              NEW QUESTION # 157
                              In general practice, can the Maryland Insurance Administration inspect the business records of an insurance company or agency?

                              Answer: C

                              Explanation:
                              Comprehensive and Detailed Step by Step Explanation:The Maryland Insurance Administration (MIA) is authorized to inspect the records of insurers and agencies to ensure compliance with laws:
                              Yes, because of the powers defined by state laws (B):Correct. The MIA has broad authority under Maryland law to audit, inspect, and investigate insurance business practices.
                              No, because of privacy considerations (A):Incorrect. Regulatory inspections are exempt from privacy concerns when conducted lawfully.
                              Only an officer of the court (C):Not required; the MIA operates independently within its legal mandate.
                              Public domain records (D):Incorrect; insurance records are not publicly accessible unless required by law.
                              References:Maryland Insurance Article §2-209, COMAR 31.03.01, and Regulatory Oversight Guidelines.


                              NEW QUESTION # 158
                              A juvenile life insurance policy is:

                              Answer: D

                              Explanation:
                              Definition of juvenile life insurance.
                              Juvenile life insurance provides coverage on the life of a minor, typically owned by a parent or guardian.
                              Evaluate each option.
                              A). Insures parents
                              Incorrect. Juvenile policies insure the child.
                              B). Limited to under age five
                              Incorrect. Coverage is available for a broader age range.
                              C). Insures the life of a minor
                              Correct. This is the precise definition.
                              D). Only decreasing term
                              Incorrect. Juvenile policies may be term or permanent.
                              Maryland consumer protection relevance.
                              Juvenile policies are regulated to ensure insurable interest and appropriate ownership by adults.
                              Conclusion.
                              A juvenile life insurance policy insures the life of a minor.


                              NEW QUESTION # 159
                              ......

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