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

Section	Objectives
Topic 1: General Insurance Concepts	- Insurance principles and risk management 1. Insurance contract fundamentals 2. Risk types and management methods
Topic 2: Accident and Health Insurance	- Policy provisions 1. Coordination of benefits 2. Exclusions and limitations - Health insurance types 1. Long-term care insurance 2. Medical expense insurance 3. Disability income insurance
Topic 3: Life Insurance	- Policy provisions and riders 1. Policy loans and dividends 2. Beneficiaries and settlements - Life insurance policies 1. Term life insurance 2. Whole life insurance 3. Universal life 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 (Q123-Q128):

NEW QUESTION # 123
The purpose of regulation of insurance advertising is to do all of the following EXCEPT:

A. Prevent unfair competition among insurers
B. Establish minimum standards of conduct
C. Present an accurate description of insurance to the public
D. Maintain a low profile for insurance products

Answer: D

Explanation:
Purpose of insurance advertising regulation in Maryland.
Maryland regulates insurance advertising to protect consumers from misrepresentation, deception, and unfair trade practices.
Advertising rules are designed to ensure honesty, accuracy, and fair competition.
Evaluate each option.
A). Establish minimum standards of conduct
Correct. Maryland sets minimum advertising standards to ensure ethical practices.
B). Prevent unfair competition among insurers
Correct. Advertising rules prevent insurers from gaining an unfair advantage through misleading claims.
C). Maintain a low profile for insurance products
Incorrect. Regulators do not restrict visibility or promotion of insurance products; they regulate how products are advertised, not whether they are promoted.
D). Present an accurate description of insurance to the public
Correct. Accuracy and clarity are primary goals of Maryland insurance advertising regulation.
Conclusion.
Maintaining a low profile is not a regulatory goal, making option C the correct answer.

NEW QUESTION # 124
An insurance policy could be issued to cover losses resulting from any of the following EXCEPT:

A. A drug smuggling operation
B. A nuclear power plant
C. A skydiving exhibition
D. A state-sponsored centennial celebration

Answer: A

Explanation:
Insurance (Insurance Article, § 12-101) covers legal risks like skydiving, events, or plants, but not illegal acts like drug smuggling, barred by public policy.
References:Maryland Insurance Article, § 12-101; MIA insurability guidelines.

NEW QUESTION # 125
In general practice, which one of the following is true of the powers of the Maryland Insurance Administration with respect to access to a producer's business records?

A. The Maryland Insurance Administration has no right to access a producer's business records because of privacy considerations
B. Records can only be accessed by an order of a state court
C. Records must be produced upon the request of the Maryland Insurance Administration
D. Authorization must come from the National Association of Insurance Commissioners

Answer: C

Explanation:
Regulatory authority of the Maryland Insurance Administration (MIA).
The MIA is granted statutory authority to examine, investigate, and audit producers to ensure compliance with insurance laws.
Evaluate each option.
A). Court order required
Incorrect. The MIA has direct administrative authority.
B). NAIC authorization required
Incorrect. The NAIC is advisory, not regulatory.
C). Records must be produced upon request
Correct. Licensed producers are required to comply with MIA record requests.
D). No right due to privacy
Incorrect. Licensing carries an obligation to regulatory oversight.
Good-faith and compliance relevance.
Failure to provide records may itself constitute a regulatory violation and undermine good-faith conduct.
Conclusion.
Producers must produce business records upon request of the Maryland Insurance Administration.

NEW QUESTION # 126
In Maryland, a group accident and health certificate of insurance must contain:

A. A summary of policy features and benefits
B. A list of all participating physicians
C. The insurer's financial statement
D. A copy of the group contract

Answer: A

Explanation:
Certificates (Insurance Article, § 15-1207) summarize policy features and benefits for group members, not the full contract, physician lists, or financial statements, which are separate or irrelevant. This ensures employees understand their coverage.
References:Maryland Insurance Article, § 15-1207; MIA group insurance rules.

NEW QUESTION # 127
Upon terminating employment, Kim requested the 401(k) plan trustee to distribute the entire accrued benefit by a check made payable to the custodian of Kim's individual retirement account. Under IRS rules, this transaction will be:

A. Considered as a Section 1035 exchange
B. Treated as a direct rollover
C. Subject to an excise tax
D. Subject to mandatory income tax withholding

Answer: B

Explanation:
Definition of a direct rollover.
A direct rollover occurs when retirement funds are transferred directly from one trustee to another without the participant taking possession.
Apply the facts.
The check is payable to the IRA custodian, not to Kim.
Kim never has constructive receipt of the funds.
Evaluate each option.
A). Excise tax
Not applicable to a direct rollover.
B). Mandatory withholding
Does not apply to direct rollovers.
C). Section 1035 exchange
Applies to insurance and annuities, not qualified plans.
D). Direct rollover
Correct under IRS rules.
Conclusion.
This transaction is treated as a direct rollover.

NEW QUESTION # 128
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