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

Section	Objectives
Topic 1: Accident and Health Insurance	- Health insurance types 1. Medical expense insurance 2. Long-term care insurance 3. Disability income insurance - Policy provisions 1. Exclusions and limitations 2. Coordination of benefits
Topic 2: General Insurance Concepts	- Insurance principles and risk management 1. Insurance contract fundamentals 2. Risk types and management methods
Topic 3: State Law and Regulations	- Insurance producer regulations 1. Ethics and fiduciary duties 2. Licensing requirements
Topic 4: Life Insurance	- Life insurance policies 1. Universal life insurance 2. Whole life insurance 3. Term life insurance - Policy provisions and riders 1. Policy loans and dividends 2. Beneficiaries and settlements

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions (Q138-Q143):

NEW QUESTION # 138
To be eligible for major medical extended care benefits, a patient must:

A. Require continuous skilled nursing care
B. Have had surgery
C. Be terminally ill
D. Require physical therapy

Answer: A

Explanation:
Extended care under major medical (Insurance Article, § 15-201) requires continuous skilled nursing care (e.
g., nursing home), not just terminal illness, surgery, or therapy, which have broadercriteria.
References:Maryland Insurance Article, § 15-201; MIA major medical standards.

NEW QUESTION # 139
An employee with $50,000 group life insurance coverage terminates employment and submits an application WITHOUT the initial premium for a $50,000 conversion policy. If the employee dies 15 days later, the insurer would pay:

A. $50,000 under the new policy, less the initial premium amount due
B. $50,000 under the new policy
C. Nothing at all
D. $50,000 under the group plan

Answer: D

Explanation:
Group life insurance policies in Maryland typically include a conversion privilege allowing former employees to convert group coverage to an individual policy within a 31-day period after termination, regardless of premium payment status.
$50,000 under the group plan (A): Correct. During the 31-day conversion period, the original group coverage remains in effect. If the insured dies during this time, the death benefit is paid under the group plan.
$50,000 under the new policy (B and C): Incorrect, as the conversion policy does not become effective until the first premium is paid.
Nothing at all (D): Incorrect, as coverage is still active during the conversion period.
References: Maryland Insurance Article §15-403, Group Life Insurance Conversion Privileges, and COMAR
31.09.05.

NEW QUESTION # 140
All of the following are true of managing general agents EXCEPT:

A. It is unlawful to act as a managing general agent without a license
B. A managing general agent is primarily a representative of the insured
C. A managing general agent must have a valid written contract with an insurance company
D. Once issued, a managing general agent's license must be renewed every two years

Answer: B

Explanation:
Who is a managing general agent (MGA).
A managing general agent is a person or entity that performs significant underwriting, policy issuance, or claims authority on behalf of an insurer.
MGAs act as an extension of the insurer, not the insured.
Licensing requirement in Maryland.
Maryland law requires MGAs to be properly licensed.
Acting as an MGA without a license is unlawful.
Contractual requirement.
Maryland requires a written agreement between the MGA and the insurer that clearly defines authority, duties, and limitations.
License renewal.
MGA licenses follow Maryland's standard biennial renewal cycle, consistent with producer licensing.
Why option D is incorrect.
MGAs primarily represent the insurer, not the insured.
Representing the insured is the role of an agent or broker, not an MGA.
Conclusion.
The incorrect statement is that an MGA represents the insured.

NEW QUESTION # 141
When a producer engages in unfair practices, all of the following are true EXCEPT:

A. The Maryland Insurance Administration's decision is final
B. The Maryland Insurance Administration can suspend the producer's license
C. The Maryland Insurance Administration can investigate the problem and hold a hearing
D. The Maryland Insurance Administration can issue a cease and desist order

Answer: A

Explanation:
The MIA (Insurance Article, § 2-201, § 10-126) can investigate, suspend licenses, and issue orders, but its decisions are appealable to Maryland courts, not final.
References:Maryland Insurance Article, § 2-201, § 10-126; MIA enforcement powers.

NEW QUESTION # 142
All of the following would be considered an unfair trade practice EXCEPT:

A. Publishing false statements derogatory to the financial condition of an insurer
B. Statements misrepresenting the benefits of an insurance policy
C. Sharing commissions with agents who have equivalent licenses
D. Misrepresentation of any insurance policy as being shares of stock

Answer: C

Explanation:
Unfair trade practices under Maryland Insurance Law.
Maryland Insurance Article Title 27 and related regulations prohibit misrepresentation, false advertising, and defamation in insurance transactions.
Evaluate each option.
A). Misrepresenting policy benefits
This is expressly prohibited and considered an unfair trade practice.
B). Misrepresenting insurance as shares of stock
This is a classic example of illegal misrepresentation under Maryland law.
C). Publishing false derogatory statements about an insurer's financial condition This constitutes defamation and is an unfair trade practice.
D). Sharing commissions with agents who have equivalent licenses
This is permitted in Maryland, provided all parties are properly licensed for the same line of insurance.
Conclusion.
Commission sharing among equally licensed agents is lawful and therefore not an unfair trade practice.

NEW QUESTION # 143
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