- Exam Code: Life-and-Accident-and-Health-or-Sickness-Producer-Combo
- Exam Name: Life and Accident and Health or Sickness Producer - Combo Series 20-30
- Certification Provider: Insurance Licensing
- Corresponding Certification:Insurance Licensing Certification
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Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Policy Provisions and Options | - Standard policy provisions - Beneficiaries and policy ownership |
| Accident and Health Insurance | - Health insurance plans and structures - Disability income and medical expense coverage |
| Insurance Fundamentals | - Basic insurance principles - Insurable interest and risk management concepts |
| Ethics and Professional Conduct | - Consumer protection standards - Ethical responsibilities of insurance producers |
| Life Insurance | - Life policy provisions and riders - Types of life insurance policies
|
| State Insurance Regulations | - Producer licensing requirements - Unfair trade practices and compliance |
| Annuities | - Annuity types and features - Accumulation and payout options |
| Federal Regulations and Taxation | - Tax treatment of insurance products - Federal insurance-related regulations |
Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:
What must the insurer provide to certificate holders when a group Medicare Supplement insurance policy is terminated and not replaced?
- A. An offer of membership in another group
- B. A buyer's guide to Medicare Part B
- C. An offer of continuation coverage
- D. An offer of conversion to individual coverage
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If an insurer pays an individual accident and health insurance claim during a policy's grace period:
- A. A 10% service fee is charged
- B. The policy is canceled automatically at the end of the grace period
- C. The amount of unpaid premium may be subtracted from the reimbursement
- D. The deductible is waived
Explanation: Only visible for TrainingDump members. You can sign-up / login (it's free).
Before issuing a policy of long-term care insurance to an applicant who is at least 80 years old, unless the policy is guaranteed issue, the carrier shall obtain a:
- A. Power of attorney
- B. Report of a physical examination
- C. Copy of the person's living will
- D. Applicant's family's consent
Explanation: Only visible for TrainingDump members. You can sign-up / login (it's free).
A producer is prohibited from:
- A. Countersigning a policy sold in Maryland
- B. Splitting commissions with a licensed nonresident producer who has jointly sold a policy
- C. Allowing an applicant to sign a blank or incomplete application
- D. Selling insurance to family members
Explanation: Only visible for TrainingDump members. You can sign-up / login (it's free).
To determine whether unfair trade practices have been violated, who has the power to examine an insurer ' s books and records?
- A. The Maryland Property & Casualty Insurance Guaranty Corporation (PCIGC)
- B. The Maryland Insurance Administration
- C. The Federal Deposit Insurance Corporation
- D. The National Association of Insurance Commissioners
Explanation: Only visible for TrainingDump members. You can sign-up / login (it's free).
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