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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 |
| Insurance Regulation | 30% | - Policy delivery, replacement rules, and disclosure - State insurance laws and Maryland regulations - Licensing requirements and procedures - Ethics, unfair trade practices, and consumer protection |
| Accident and Health / Sickness Insurance | 20% | - Health insurance basics and policy provisions - Mandatory benefits and state-specific health rules - Disability income, medical expense, and long-term care - HMO, PPO, group vs individual coverage |
| Life Insurance Basics and Policies | 25% | - Types of life insurance: term, whole, universal, variable - Policy provisions, riders, and options - Beneficiaries, claims, and settlement options |
| General Insurance Concepts | 15% | - Insurable interest and risk management - Underwriting, premium calculation, and taxation - Contract law and principles |
Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:
Which contract offers flexible deposits, deferred taxation, a guaranteed minimum interest rate, and death proceeds equal to the cash value?
- A. An adjustable whole life insurance policy
- B. A universal life insurance policy
- C. Available deferred annuity
- D. A flexible premium fixed annuity
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The reinstatement provision in individual accident and health insurance:
- A. Allows the insured to reinstate the policy after coverage lapses for nonpayment of premium
- B. Requires that all reinstatement applications must be approved by the Maryland Insurance Administration
- C. Reinstates the amount of insurance after payment of a loss
- D. Allows the insured to change statements made in the application
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The provision in a life insurance policy that allows the policyowner to cancel the policy within a limited period of time after delivery of the policy and receive a full premium refund is the:
- A. Grace period
- B. Probationary period
- C. Discovery period
- D. Free look period
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In surrendering a life insurance contract for its cash value, the total of premiums paid less the total of any dividends received in cash or used to offset premiums is:
- A. The gross proceeds
- B. The cost basis
- C. The loan value
- D. The cash value
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A nonprofit health service plan may NOT issue a contract that covers which of the following types of benefits?
- A. Dental benefits
- B. Medical expense benefits
- C. Disability income benefits
- D. Vision benefits
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