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

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

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q79-Q84):

NEW QUESTION # 79
Short-term group disability income insurance:

A. Usually coordinates the amount of benefits paid with disability benefits received under Social Security
B. Usually provides benefits expressed as a percentage of the insured's normal weekly wage, up to a specified weekly maximum
C. Often has a benefit period extending up to a maximum of ten years
D. Frequently provides coverage through age 65 for insureds who are over 55 when they become disabled

Answer: B

Explanation:
Short-term disability (Insurance Article, § 15-201) pays a percentage of wages (e.g., 50-70%) up to a weekly cap for a short duration (e.g., 13-26 weeks). Coordination with Social Security, 10-year periods, or coverage to age 65 are long-term disability features.
References:Maryland Insurance Article, § 15-201; MIA disability insurance standards.

NEW QUESTION # 80
Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?

A. Long-term disability
B. Medicare supplement
C. Long-term care insurance
D. Major medical expense

Answer: C

Explanation:
Long-term care insurance (Insurance Article, § 18-101) triggers benefits based on inability to perform ADLs (e.g., bathing), unlike Medigap, major medical, or disability, which focus on medical or work criteria.
References:Maryland Insurance Article, § 18-101; MIA long-term care rules.

NEW QUESTION # 81
Which of the following statements about participating life insurance is true?

A. The insurer must be a stock company.
B. Policyowners may be entitled to receive dividends.
C. The insured must be the policyowner.
D. Policyowners are assessed monthly for losses.

Answer: B

Explanation:
Participating life insurance policies, often issued by mutual companies, include the possibility of dividends:
Dividends (A) represent a share of surplus profits distributed to policyowners.
Policyowners are not assessed for losses (B); the insurer bears those.
The insured and policyowner can be different individuals, making (C) incorrect.
Mutual insurers typically issue participating policies, not stock companies (D).
References: Maryland Insurance Law on Participating Policies.

NEW QUESTION # 82
(Which statement is true about a term life insurance policy?)

A. It provides temporary protection.
B. It usually provides a cash value.
C. It may be written only for periods of five years or less.
D. It usually can be renewed at the same premium.

Answer: A

Explanation:
Comprehensive and Detailed Step by Step Explanation:
* Term life is temporary protection:It covers the insured for a set period (10, 20, 30 years, etc.). That is the defining feature.
* Why B is correct:"Temporary protection" is the hallmark of term insurance.
* Why the others are wrong:
* A: Term lifetypically has no cash value(cash value is a permanent life feature like whole life).
* C: Term can be written for many lengths (often 10-30 years), not limited to 5 years or less.
* D: Renewals are commonlyat higher premiumsbased on attained age, not usually the same premium.
* Maryland reference:When an insurer/producer describes coverage terms, they must not provideincomplete or misleading disclosure of policy provisions-Maryland treats that as misrepresentation.

NEW QUESTION # 83
An insurer may pay a commission directly or indirectly to:

A. An unlicensed employee of the insurer
B. Anyone soliciting business for the insurer
C. A producer whose license is terminated after earning the commission
D. A surplus lines broker operating without a license for less than one year

Answer: C

NEW QUESTION # 84
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