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

SectionObjectives
Life Insurance- Life policy provisions and riders
- Types of life insurance policies
  • 1. Whole life insurance
    • 2. Universal life insurance
      • 3. Term life insurance
        Accident and Health Insurance- Health insurance plans and structures
        - Disability income and medical expense coverage
        State Insurance Regulations- Producer licensing requirements
        - Unfair trade practices and compliance
        Policy Provisions and Options- Standard policy provisions
        - Beneficiaries and policy ownership
        Annuities- Annuity types and features
        - Accumulation and payout options
        Ethics and Professional Conduct- Ethical responsibilities of insurance producers
        - Consumer protection standards
        Federal Regulations and Taxation- Federal insurance-related regulations
        - Tax treatment of insurance products
        Insurance Fundamentals- Insurable interest and risk management concepts
        - Basic insurance principles

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        Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q190-Q195):

        NEW QUESTION # 190
        Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?

        Answer: B

        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 # 191
        An individual purchased an annuity with a series of premium payments continuing over a period of twenty years. The purchase payments were made during the:

        Answer: C

        Explanation:
        Understanding annuity phases.
        An annuity has two primary phases:
        Accumulation period: when premiums are paid and values grow.
        Annuity (liquidation) period: when income payments are received.
        Apply the facts.
        The question describes premium payments being made over time.
        No income distributions are occurring yet.
        Why the other options are incorrect.
        Liquidation / annuity period involves payouts, not payments.
        Period certain describes a payout guarantee, not a payment phase.
        Conclusion.
        Premium payments are made during the accumulation period.


        NEW QUESTION # 192
        All of the following statements about the life insurance protection provided by a family life insurance policy are true EXCEPT:

        Answer: B

        Explanation:
        Family life insurance policies provide comprehensive coverage for families, including automatic coverage for certain dependents.
        Option A: Correct. A significant portion of the premium funds whole life insurance for the primary insured (typically the head of household).
        Option B: Correct. Dependent children born after the policy is issued are automatically covered, often without additional cost or underwriting.
        Option C: Incorrect. Family life insurance policies are not restricted to individuals under 30; this criterion does not exist in standard policy guidelines.
        Option D: Correct. Coverage for dependents can often be converted to whole life insurance at specific ages or policy milestones without medical underwriting.
        References: Maryland Family Life Insurance Policy Standards, COMAR 31.09.04, and Maryland Insurance Administration Dependent Coverage Guidelines.


        NEW QUESTION # 193
        To be deemed a " qualified employer " under the Maryland Health Benefit Exchange Act, anemployer MUST:

        Answer: D

        Explanation:
        The Maryland Health Benefit Exchange Act (Insurance Article, § 31-101) defines a qualified employer as one with its principal place of business in Maryland for SHOP Exchange eligibility. Premium contributions are optional, and employee work or residency percentages aren't required.
        References:Maryland Insurance Article, § 31-101; MIA SHOP Exchange rules.


        NEW QUESTION # 194
        Which one of the following life insurance settlement options pays a predetermined monthly benefit until principal and interest are exhausted?

        Answer: A

        Explanation:
        The fixed amount installment option provides for a predetermined monthly benefit to the policy beneficiary.
        Payments continue until the principal (death benefit) and accumulated interest are fully paid out.
        Fixed amount installment option (A): Ensures consistent payment amounts until the death benefit and interest are exhausted. This option is often used when beneficiaries want a steady income.
        Accelerated endowment option (B): Not relevant as it refers to early payouts for policies reaching maturity.
        Interest-only option (C): Only pays interest earned on the death benefit, leaving the principal untouched.
        Fixed period installment option (D): Guarantees payments for a specific period, regardless of whether the principal or interest is depleted.
        References: Maryland Life Insurance Policy Payout Regulations and Settlement Options Guidelines.


        NEW QUESTION # 195
        ......

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