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

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

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q162-Q167):

NEW QUESTION # 162
All of the following are typical health maintenance organization (HMO) preventive care services provided by a primary care physician EXCEPT:

A. Experimental surgery
B. Immunizations for children
C. Physical examinations
D. Well-baby checkups

Answer: A

Explanation:
HMOs (Health-General Article, § 19-701) provide preventive care like checkups, immunizations, and exams.
Experimental surgery isn't preventive or standard, making it the exception to covered services.
References:Maryland Health-General Article, § 19-701; MIA HMO guidelines.

NEW QUESTION # 163
When a producer engages in unfair practices, all of the following are true EXCEPT:

A. The Maryland Insurance Administration's decision is final
B. The Maryland Insurance Administration can suspend the producer's license
C. The Maryland Insurance Administration can investigate the problem and hold a hearing
D. The Maryland Insurance Administration can issue a cease and desist order

Answer: A

Explanation:
The MIA (Insurance Article, § 2-201, § 10-126) can investigate, suspend licenses, and issue orders, but its decisions are appealable to Maryland courts, not final.
References:Maryland Insurance Article, § 2-201, § 10-126; MIA enforcement powers.

NEW QUESTION # 164
Which one of the following statements about the automatic premium loan (APL) provision in a life insurance policy is true?

A. It provides for a policy loan to pay any premium not paid by the end of the grace period
B. It waives policy premiums if the policyowner becomes totally and permanently disabled
C. It is a required provision that provides for the purchase of additional insurance at guaranteed rates
D. It provides for a series of bank loans to finance the purchase of split-dollar life insurance

Answer: A

Explanation:
Purpose of the automatic premium loan provision.
The APL provision prevents unintentional policy lapse due to nonpayment of premium.
How the APL works.
If a premium is not paid by the end of the grace period:
The insurer automatically makes a policy loan
The loan amount equals the unpaid premium
The loan is secured by the policy's cash value
Why the other options are incorrect.
A). Additional insurance: Describes paid-up additions, not APL.
B). Bank loans: APL uses internal policy loans.
C). Waiver of premium: A separate rider, not APL.
Maryland disclosure relevance.
Producers must explain that APL loans accrue interest and reduce cash value and death benefits.
Conclusion.
The APL provision uses a policy loan to pay overdue premiums.

NEW QUESTION # 165
To be eligible for major medical extended care benefits, a patient must:

A. Require continuous skilled nursing care
B. Have had surgery
C. Be terminally ill
D. Require physical therapy

Answer: A

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 # 166
A disability income insurance policy typically provides coverage for disabilities resulting from:

A. Accidents only
B. Occupational accidents only
C. Both accidents and sickness
D. Sickness only

Answer: C

Explanation:
Disability income policies (Insurance Article, § 15-201) cover both accidents and sickness, providing broad income protection, not limited to one cause or occupational incidents.
References:Maryland Insurance Article, § 15-201; MIA disability standards.

NEW QUESTION # 167
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