Life-and-Accident-and-Health-or-Sickness-Producer-Comboテスト参考書 & Life-and-Accident-and-Health-or-Sickness-Producer-Combo資格関連題

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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
Life Insurance Basics and Policies	25%	- Types of life insurance: term, whole, universal, variable - Policy provisions, riders, and options - Beneficiaries, claims, and settlement options
Accident and Health / Sickness Insurance	20%	- HMO, PPO, group vs individual coverage - Health insurance basics and policy provisions - Disability income, medical expense, and long-term care - Mandatory benefits and state-specific health rules
General Insurance Concepts	15%	- Contract law and principles - Insurable interest and risk management - Underwriting, premium calculation, and taxation
Insurance Regulation	30%	- Licensing requirements and procedures - State insurance laws and Maryland regulations - Ethics, unfair trade practices, and consumer protection - Policy delivery, replacement rules, and disclosure

>> Life-and-Accident-and-Health-or-Sickness-Producer-Comboテスト参考書 <<

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 認定 Life-and-Accident-and-Health-or-Sickness-Producer-Combo 試験問題 (Q16-Q21):

質問 # 16
When the owner of a life insurance policy reserves the right to change the beneficiary, the arrangement is called:

A. A contingent designation
B. A contestable designation
C. An irrevocable designation
D. A revocable designation

正解：D

解説：
Beneficiary designation concepts.
Life insurance policies allow the owner to name beneficiaries who receive proceeds at death.
Revocable vs. irrevocable designations.
A revocable beneficiary can be changed by the policyowner at any time without the beneficiary's consent.
An irrevocable beneficiary cannot be changed without the beneficiary's written consent.
Evaluate each option.
A). Contingent designation
Refers to a secondary beneficiary, not the right to change.
B). Irrevocable designation
Opposite of the described situation.
C). Contestable designation
Not a valid beneficiary term.
D). Revocable designation
Correct. This allows the policyowner to change beneficiaries.
Maryland relevance.
Maryland recognizes revocable beneficiary designations unless the policy specifically states otherwise.
Conclusion.
Reserving the right to change beneficiaries is a revocable designation.

質問 # 17
Medical expense insurance typically EXCLUDES coverage for:

A. Expenses incurred for primarily cosmetic surgery
B. Maternity care benefits
C. Hospital care extending past 30 days
D. Hospital laboratory tests

正解：A

解説：
Medical expense insurance covers necessary treatments like hospital stays, maternity care, and diagnostic tests, but excludes elective procedures such as primarily cosmetic surgery unless medically necessary (e.g., reconstructive surgery post-injury). Maryland law (Insurance Article, § 15-103) allows exclusions for non- essential services, aligning with standard practice where aesthetic surgeries like facelifts are not covered.
References:Maryland Insurance Article, § 15-103; MIA guidelines.

質問 # 18
Short-term group disability income insurance:

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

正解：D

解説：
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.

質問 # 19
After completing an application for insurance, the insurance producer collects the premiums but deposits the check in the insurance producer's checking account. What crime has been committed?

A. Replacement
B. Fraud
C. Rebating
D. Twisting

正解：B

解説：
Producers hold premiums in a fiduciary capacity (Insurance Article, § 10-126) and must remit them to the insurer or a trust account. Depositing them into a personal account is fraud-specifically misappropriation- violating state law. Twisting, rebating, and replacement involve different unethical acts, not fund misuse.
References:Maryland Insurance Article, § 10-126; MIA producer conduct regulations.

質問 # 20
Advertisements in general shall be:

A. Truthful
B. Clear only by implication
C. Approved by the Insurance Commissioner
D. Clear only by familiarity with insurance terminology

正解：A

解説：
Maryland law requires that insurance advertisements be honest, transparent, and not misleading.
Truthful (D): Correct. Ads must provide accurate information about insurance products and benefits without omitting material facts.
Approved by the Insurance Commissioner (A): Some materials may require regulatory review, but general ads do not need pre-approval.
Clear only by implication (B): Misleading and prohibited.
Clear only by familiarity with insurance terminology (C): Ads must be understandable to the general public, not just industry professionals.
References: Maryland Advertising Regulations, COMAR 31.15.01, and Unfair Trade Practices Act.

質問 # 21
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