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

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

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Life-and-Accident-and-Health-or-Sickness-Producer-Combo Prüfungsfragen mit Lösungen (Q109-Q114):

109. Frage
An insurance producer provided several examples to the applicant persuasively demonstrating that the insurance coverage offered under his company's policy was superior to a competitor's product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?

A. Rebating
B. Discrimination
C. Fraud
D. Twisting

Antwort: D

Begründung:
Twisting (Insurance Article, § 27-203) involves misrepresenting policy benefits to induce replacement with an inferior product. Fraud is broader, discrimination isn't relevant, and rebating offers financial inducements, not misrepresentation.
References:Maryland Insurance Article, § 27-203; MIA trade practice rules.

110. Frage
Which of the following statements about cash values in whole life insurance policies is true?

A. They equal the policy face value at age 65.
B. They cannot be guaranteed.
C. They typically increase until age 65 and remain level thereafter.
D. They result from the level premium concept.

Antwort: D

Begründung:
Cash values in whole life insurance are a key feature, and they:
Accumulate as a result of the level premium concept (A), where excess premiums in the early years of the policy build the cash value.
Are guaranteed in whole life policies, contrary to option B.
Do not equal the face value at age 65 (C) unless specifically structured for that purpose.
Continue to grow beyond age 65 as long as the policy remains active, invalidating option D.
References: Maryland Insurance Guidelines on Whole Life Policies, Cash Value, and Premium Structures.

111. Frage
How often must insurance licensees subject to continuing education meet the educational requirements?

A. Each year
B. Every two years
C. There is no requirement
D. Every three years

Antwort: B

Begründung:
Maryland law requires insurance licensees to complete continuing education (CE) every two years (B) to maintain their licenses:
CE ensures that agents remain informed about current laws, practices, and products.
Each year (A): Too frequent for most state requirements, including Maryland.
Every three years (C): Exceeds Maryland's regulatory timeframe.
No requirement (D): Incorrect, as CE is mandatory for license renewal.
References: Maryland Insurance Code §10-116, Continuing Education Guidelines, and COMAR 31.03.02.

112. Frage
A valid contract requires all of the following EXCEPT:

A. Written evidence
B. Competent parties
C. Consideration
D. Offer and acceptance

Antwort: A

Begründung:
To be legally enforceable, a contract must meet the following requirements:
Offer and acceptance (A): One party must propose terms, and the other must agree to them.
Competent parties (B): Individuals must have the legal capacity to enter a contract (e.g., not minors or mentally incapacitated).
Consideration (C): Each party must provide something of value (e.g., money, services, or promises).
Written evidence (D) is not required for all contracts, as some verbal agreements are enforceable depending on the type of contract (except for specific cases like real estate).
References: Maryland Contract Law Principles.

113. Frage
The owner's cost basis in a non-qualified deferred annuity is usually equal to the:

A. Opportunity cost
B. Guaranteed cash value
C. Actual cash value
D. Total premiums paid

Antwort: D

Begründung:
Meaning of cost basis.
Cost basis represents the amount of after-tax money the owner has invested in the contract.
Non-qualified annuity definition.
A non-qualified annuity is purchased with after-tax dollars, not through a qualified retirement plan.
How cost basis is calculated.
The cost basis equals the sum of all premiums paid, minus any non-taxable withdrawals previously received.
Why this matters for taxation.
When distributions occur:
Earnings are taxable as ordinary income.
The cost basis portion is returned tax-free.
Evaluate each option.
A). Opportunity cost
An economic concept, not a tax basis.
B). Total premiums paid
Correct. This is the owner's investment in the contract.
C). Guaranteed cash value
A policy feature, not tax basis.
D). Actual cash value
Includes earnings, not just after-tax investment.
Conclusion.
The cost basis of a non-qualified annuity is the total premiums paid.

114. Frage
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