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

Section	Weight	Objectives
General Insurance Concepts	15%	- Contract law and principles - Insurable interest and risk management - Underwriting, premium calculation, and taxation
Annuities and Retirement Products	10%	- Tax treatment and suitability standards - Fixed, indexed, and variable annuities
Insurance Regulation	30%	- Licensing requirements and procedures - Policy delivery, replacement rules, and disclosure - Ethics, unfair trade practices, and consumer protection - State insurance laws and Maryland regulations
Accident and Health / Sickness Insurance	20%	- HMO, PPO, group vs individual coverage - Health insurance basics and policy provisions - Disability income, medical expense, and long-term care - Mandatory benefits and state-specific health rules
Life Insurance Basics and Policies	25%	- Policy provisions, riders, and options - Types of life insurance: term, whole, universal, variable - Beneficiaries, claims, and settlement options

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q180-Q185):

NEW QUESTION # 180
Medical expense insurance typically EXCLUDES coverage for treatment of:

A. Eating disorders
B. Undiagnosed diseases
C. Chronic back pain
D. Intentionally self-inflicted injuries

Answer: D

Explanation:
Medical expense insurance covers necessary treatments like chronic pain, eating disorders (under parity laws,
§ 15-802), and undiagnosed conditions if treated, but excludes intentionally self-inflicted injuries (e.g., suicide attempts) as non-accidental losses (Insurance Article, § 15-201).
References:Maryland Insurance Article, § 15-201, § 15-802; MIA health insurance exclusions.

NEW QUESTION # 181
All of the following are considered to be fraud EXCEPT:

A. Willfully collecting a premium that exceeds the amount of the premium
B. Collecting a charge for insurance that is less than the charge applicable to that insurance
C. Collecting a proper premium for insurance that is provided
D. Collecting a premium for insurance that is not provided

Answer: C

Explanation:
Fraud involves intentional deception for gain (Insurance Article, § 27-401). Overcharging, undercharging deceptively, or charging for nonexistent coverage are fraudulent. Collecting the proper premium for provided insurance is a legitimate transaction and not fraud, making it the exception.
References:Maryland Insurance Article, § 27-401, § 27-212; MIA fraud regulations.

NEW QUESTION # 182
Which feature in a long-term care insurance policy is designed specifically to provide benefits at times when family members need a break from caring for the insured?

A. Home health care
B. Respite care
C. Custodial facility care
D. Skilled nursing facility care

Answer: B

Explanation:
Respite care (Insurance Article, § 18-101) offers temporary professional care to relieve family caregivers, a mandated feature in Maryland long-term care policies. Skilled nursing, custodial care, and home health care serve ongoing needs, not specifically caregiver breaks.
References:Maryland Insurance Article, § 18-101 et seq.; MIA LTC guidelines.

NEW QUESTION # 183
The purpose of the Life and Health Insurance Guaranty Corporation is to guarantee:

A. That an insurance company will never fail.
B. The issuance of life insurance and health insurance policies.
C. The issuance of life insurance policies.
D. Benefits if the insurer is unable to pay benefits due to impairment or insolvency.

Answer: D

Explanation:
The Life and Health Insurance Guaranty Corporation provides financial protection to policyholders:
Guarantees benefits in case of insurer insolvency (C), ensuring policyholders do not lose coverage.
It does not guarantee the issuance of policies (A and B), as policy issuance depends on underwriting.
It cannot ensure an insurer will never fail (D) but mitigates the impact of failure.
References: Maryland Life and Health Guaranty Corporation Act, Maryland Insurance Code.

NEW QUESTION # 184
Who approves the continuing education courses required for producers in Maryland?

A. Each individual's agency manager
B. Each insurer with which the licensee holds an appointment
C. The Maryland Insurance Administration
D. The National Association of Insurance Commissioners

Answer: C

Explanation:
Comprehensive and Detailed in Depth Explanation:
The correct answer is C. The Maryland Insurance Administration. More precisely, Maryland law gives this authority to the Maryland Insurance Commissioner, who is the head of the Maryland Insurance Administration. Maryland Insurance Article §10-116 states that the Commissioner may review and approve or disapprove continuing education courses. It also states that an insurer may not prohibit a producer from obtaining continuing education credit from any course approved by the Commissioner. Therefore, the approving authority is the Maryland Insurance Administration through the Commissioner, not the NAIC, an agency manager, or an appointing insurer. Official Maryland Reference: Maryland Insurance Article §10-116.

NEW QUESTION # 185
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