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

SectionWeightObjectives
Insurance Regulation30%- State insurance laws and Maryland regulations
- Licensing requirements and procedures
- Ethics, unfair trade practices, and consumer protection
- Policy delivery, replacement rules, and disclosure
Accident and Health / Sickness Insurance20%- HMO, PPO, group vs individual coverage
- Disability income, medical expense, and long-term care
- Mandatory benefits and state-specific health rules
- Health insurance basics and policy provisions
Life Insurance Basics and Policies25%- Policy provisions, riders, and options
- Types of life insurance: term, whole, universal, variable
- Beneficiaries, claims, and settlement options
Annuities and Retirement Products10%- Tax treatment and suitability standards
- Fixed, indexed, and variable annuities
General Insurance Concepts15%- Contract law and principles
- Insurable interest and risk management
- Underwriting, premium calculation, and taxation

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q261-Q266):

NEW QUESTION # 261
Which of the following is commonly used to structure the payment of liability insurance settlements, lottery winnings, and other large sums?

Answer: D

Explanation:
Understanding structured payments.
Large settlements and awards are often paid over time to provide steady income, improve financial security, and reduce the risk of rapid depletion.
Evaluate each option.
A). Modified endowment contract (MEC)
Used for life insurance tax classification, not settlement structuring.
B). Individual retirement account (IRA)
Designed for retirement savings, not settlement payouts.
C). 403(b) tax-sheltered annuity
Employer-sponsored retirement plan for certain employees.
D). Immediate annuity
Correct. Immediate annuities are commonly used to provide guaranteed periodic payments from a lump sum.
Maryland claims and settlement context.
Structured settlements using immediate annuities are widely accepted in Maryland liability claims as they promote long-term financial stability, aligning with good-faith settlement practices.
Conclusion.
An immediate annuity is the standard tool used to structure large settlement payments.


NEW QUESTION # 262
All of the following are characteristics of a preferred risk applicant for disability income insurance EXCEPT:

Answer: A

Explanation:
Preferred risk applicants (Insurance Article, § 15-201) have low disability risk due to non-smoking, safe jobs, and physical activity. High income affects benefit amounts, not risk classification, making it the exception.
References:Maryland Insurance Article, § 15-201; MIA underwriting standards.


NEW QUESTION # 263
Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?

Answer: C

Explanation:
A "period certain" provision ensures payment for a specified period regardless of whether the annuitant survives:
Period certain (B) guarantees payments for a set number of years, protecting beneficiaries.
Cost recovery (A) and refund options (C and D) relate to refunding premiums or unpaid amounts but do not guarantee a payment period.
References: Maryland Annuity Regulations, Payment Options.


NEW QUESTION # 264
Accident and health policies must cover physically or mentally handicapped dependent children:

Answer: A

Explanation:
Maryland law (Insurance Article, § 15-401) requires coverage for handicapped dependent children beyond standard age limits if they're incapable of self-sustaining employment and dependent on the insured. This extends for life, or as long as the policy is active, not limited to ages 19 or 25, nor tied to self-sustainability.
References:Maryland Insurance Article, § 15-401; MIA dependent coverage regulations.


NEW QUESTION # 265
Pat owns a small business and is interested in enrolling her son in the Maryland Children's Health Insurance Program. Which of the following is the MOST appropriate person for Pat to contact for enrollment?

Answer: B


NEW QUESTION # 266
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