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

Section	Weight	Objectives
Accident and Health / Sickness Insurance	20%	- Disability income, medical expense, and long-term care - Mandatory benefits and state-specific health rules - Health insurance basics and policy provisions - HMO, PPO, group vs individual coverage
Annuities and Retirement Products	10%	- Tax treatment and suitability standards - Fixed, indexed, and variable annuities
General Insurance Concepts	15%	- Underwriting, premium calculation, and taxation - Contract law and principles - Insurable interest and risk management
Insurance Regulation	30%	- Policy delivery, replacement rules, and disclosure - State insurance laws and Maryland regulations - Ethics, unfair trade practices, and consumer protection - Licensing requirements and procedures
Life Insurance Basics and Policies	25%	- Types of life insurance: term, whole, universal, variable - Policy provisions, riders, and options - 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 (Q56-Q61):

NEW QUESTION # 56
Which one of the following causes of loss typically is EXCLUDED under a disability income insurance policy?

A. Intentionally self-inflicted injuries
B. Tropical disease
C. Cancer
D. Auto accidents

Answer: A

Explanation:
Disability income policies (Insurance Article, § 15-201) cover accidents, cancer, and diseases, but exclude intentionally self-inflicted injuries as non-accidental, aligning with standard exclusions to prevent abuse.
References:Maryland Insurance Article, § 15-201; MIA disability insurance standards.

NEW QUESTION # 57
The purpose of the Life and Health Insurance Guaranty Corporation is to guarantee:

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

Answer: A

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 # 58
All of the following are basic underwriting actions in accident and health insurance EXCEPT:

A. Deleting uniform policy provisions
B. Issuing standard policies as applied for
C. Rejecting applicants
D. Issuing policies with exclusion riders

Answer: A

Explanation:
Underwriting involves assessing risk by rejecting high-risk applicants, issuing standard policies, or adding exclusion riders for specific conditions. Deleting uniform policy provisions-mandatory clauses like grace periods (Insurance Article, § 15-201)-isn't an underwriting action, as these are legally required and cannot be altered by underwriters.
References:Maryland Insurance Article, § 15-201 et seq.; MIA underwriting guidelines.

NEW QUESTION # 59
An order from the Commissioner MUST include all of the following EXCEPT:

A. The signature of the Governor
B. The grounds on which it is based
C. Its purpose
D. Its effective date

Answer: A

Explanation:
Authority of the Maryland Insurance Commissioner.
The Commissioner has independent statutory authority to issue orders, rulings, and enforcement actions.
Required elements of an administrative order.
A valid order must clearly state:
The effective date
The purpose of the order
The legal and factual grounds supporting the decision
Why the Governor's signature is not required.
The Commissioner acts under delegated legislative authority.
Orders are administrative, not executive proclamations.
Evaluate each option.
A). Effective date - required
B). Purpose - required
C). Grounds - required
D). Governor's signature - not required
Due process relevance.
These requirements ensure transparency and allow for judicial review.
Conclusion.
An order does not require the Governor's signature.

NEW QUESTION # 60
In Maryland, continuation of medical plan coverage for a handicapped child beyond the age limit stated in the policy may require proof of the child's:

A. Incapacity only
B. Incapacity and dependency upon reaching the age limit
C. Continued insurability
D. Dependency for the first two years of continued coverage only

Answer: B

Explanation:
Under Insurance Article, § 15-401, coverage for handicapped children extends beyond age limits if they're incapacitated (unable to work) and dependent on the insured at the age limit. Insurability isn't required, incapacity alone isn't enough, and dependency isn't time-limited to two years.
References:Maryland Insurance Article, § 15-401; MIA dependent coverage rules.

NEW QUESTION # 61
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