Insurance Licensing : Life-and-Accident-and-Health-or-Sickness-Producer-Combo Questions & Answers
Updated: Sep 11, 2026
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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% | - Tax treatment and suitability standards - Fixed, indexed, and variable annuities |
| Life Insurance Basics and Policies | 25% | - Beneficiaries, claims, and settlement options - Types of life insurance: term, whole, universal, variable - Policy provisions, riders, and options |
| Insurance Regulation | 30% | - Policy delivery, replacement rules, and disclosure - Licensing requirements and procedures - State insurance laws and Maryland regulations - Ethics, unfair trade practices, and consumer protection |
| Accident and Health / Sickness Insurance | 20% | - HMO, PPO, group vs individual coverage - Mandatory benefits and state-specific health rules - Health insurance basics and policy provisions - Disability income, medical expense, and long-term care |
| General Insurance Concepts | 15% | - Underwriting, premium calculation, and taxation - Insurable interest and risk management - Contract law and principles |
Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:
Which of the following is NOT a mandated benefit in Maryland?
- A. Treatment of substance abuse
- B. Treatment of mental illness
- C. Weight reduction programs
- D. Hearing aids for children
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An insurance producer provided several examples to the applicant, persuasively demonstrating that the insurance coverage offered under the producer's company policy was superior to a competitor's product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?
- A. Rebating
- B. Fraud
- C. Discrimination
- D. Twisting
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In accident and health insurance, a waiting period for pre-existing conditions means that:
- A. Payment for expenses resulting from pre-existing conditions is held in escrow
- B. Coverage for pre-existing conditions is permanently excluded by a new insurer
- C. Coverage for pre-existing conditions starts at the inception of the new policy
- D. A period of time must elapse before pre-existing conditions are covered
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Which type of Medicare Supplement information can be used without prior state approval?
- A. Television advertisements approved by the insurer
- B. Insurance company brochures
- C. Radio announcements approved by the insurer
- D. Government publications
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An insurance agent ' s license may be revoked for all of the following reasons EXCEPT:
- A. Having been found guilty of rebating
- B. Being convicted of a felony
- C. Violating any insurance statute or regulation
- D. Having no insurer appointment in effect for ten days
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