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

Section	Objectives
Topic 1: Life Insurance	- Life insurance policies 1. Term life insurance 2. Universal life insurance 3. Whole life insurance - Policy provisions and riders 1. Policy loans and dividends 2. Beneficiaries and settlements
Topic 2: General Insurance Concepts	- Insurance principles and risk management 1. Insurance contract fundamentals 2. Risk types and management methods
Topic 3: Accident and Health Insurance	- Policy provisions 1. Exclusions and limitations 2. Coordination of benefits - Health insurance types 1. Disability income insurance 2. Medical expense insurance 3. Long-term care insurance
Topic 4: State Law and Regulations	- Insurance producer regulations 1. Ethics and fiduciary duties 2. Licensing requirements

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q178-Q183):

NEW QUESTION # 178
If a life insurer denies a policy of life insurance, the insurer shall disclose the results of any medical examination administered to determine insurability to the:

A. Beneficiary of the policy
B. Physician that furnished medical information to the insurer
C. Company's underwriter
D. Physician of the applicant ' s choice upon the request of the applicant

Answer: D

Explanation:
Maryland law requires that the results of medical examinations used to determine insurability:
Be disclosed to the physician of the applicant's choice (B), but only if the applicant requests it.
This ensures privacy and confidentiality while giving the applicant access to critical information.
Beneficiaries (A) and underwriters (C) do not receive this information.
Physicians furnishing information (D) already have access to their own submissions.
References: Maryland Insurance Code on Privacy and Disclosure of Medical Information.

NEW QUESTION # 179
A producer who attempts to intimidate a prospective insured is guilty of:

A. Twisting
B. Coercion
C. Defamation
D. Discrimination

Answer: B

Explanation:
Definition of coercion.
Coercion involves using threats, intimidation, or pressure to force a purchase.
Apply the facts.
The producer attempts to intimidate the prospective insured.
This directly meets the definition of coercion.
Why other options are incorrect.
Defamation: False statements harming reputation.
Twisting: Misrepresentation to replace a policy.
Discrimination: Unequal treatment of insureds.
Maryland enforcement relevance.
Coercion is prohibited as an unfair trade practice and may result in license discipline.
Conclusion.
Intimidation constitutes coercion.

NEW QUESTION # 180
An elimination period in a disability income insurance policy is the:

A. Period between the start of a disability and the beginning of benefits
B. Same as the probationary period
C. Time period the policy is in force
D. Time during which benefits are paid under the policy

Answer: A

Explanation:
The elimination period (Insurance Article, § 15-201) is the waiting time (e.g., 90 days) before disability benefits begin, distinct from the benefit period (payment duration), probationary period (pre-coverage wait), or policy term.
References:Maryland Insurance Article, § 15-201; MIA disability insurance rules.

NEW QUESTION # 181
When delivering a life insurance policy, a producer's responsibilities may include all of the following EXCEPT:

A. Reviewing policy riders
B. Cashing the insured's premium check
C. Collecting the premium payment
D. Explaining a non-standard rating

Answer: B

Explanation:
Producer duties at policy delivery.
Maryland law and good-faith standards require producers to explain coverage, ratings, and policy features to ensure the applicant understands the contract.
Evaluate each option.
A). Explaining a non-standard rating
Required to ensure transparency and informed consent.
B). Reviewing policy riders
A normal and expected delivery duty.
C). Collecting the premium payment
Permissible and common.
D). Cashing the insured's premium check
Not permitted. Premium checks must be forwarded to the insurer, not negotiated by the producer.
Conclusion.
Cashing a client's premium check is improper and violates fiduciary responsibilities.

NEW QUESTION # 182
The beneficiary of a life insurance policy is the:

A. Owner of the cash value fund
B. Insurer that issues the policy
C. Person or entity who has ownership interest in the policy
D. Person or entity designated in the policy to receive the death proceeds

Answer: D

Explanation:
The beneficiary is the individual or entity named in the life insurance policy to receive the death benefit upon the insured's death.
Designated recipient of proceeds (B): The policyholder nominates this party in the policy documents.
Ownership interest in the policy (A): Refers to the policyowner, who controls and funds the policy but may not be the beneficiary.
Insurer (C): Issues and administers the policy but is not a recipient.
Owner of the cash value fund (D): This pertains to cash value accumulation, separate from death benefit designation.
References: Maryland Life Insurance Policy Provisions and Beneficiary Designation Rules.

NEW QUESTION # 183
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