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Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Annuities and Retirement Products | 10% | - Fixed, indexed, and variable annuities - Tax treatment and suitability standards |
| Topic 2: Accident and Health / Sickness Insurance | 20% | - Mandatory benefits and state-specific health rules - Disability income, medical expense, and long-term care - HMO, PPO, group vs individual coverage - Health insurance basics and policy provisions |
| Topic 3: Life Insurance Basics and Policies | 25% | - Types of life insurance: term, whole, universal, variable - Policy provisions, riders, and options - Beneficiaries, claims, and settlement options |
| Topic 4: Insurance Regulation | 30% | - Policy delivery, replacement rules, and disclosure - Ethics, unfair trade practices, and consumer protection - Licensing requirements and procedures - State insurance laws and Maryland regulations |
| Topic 5: General Insurance Concepts | 15% | - Underwriting, premium calculation, and taxation - Contract law and principles - Insurable interest and risk management |
Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:
To be eligible for major medical extended care benefits, a patient must:
- A. Be terminally ill
- B. Have had surgery
- C. Require physical therapy
- D. Require continuous skilled nursing care
Correct Answer: D 🗳️
Explanation: Only visible for CramPDF members. You can sign-up / login (it's free).
All of the following are elements of an insurable risk EXCEPT:
- A. Speculative risk
- B. Accidental loss
- C. An ability to measure the loss
- D. A large number of similar units
Correct Answer: A 🗳️
Explanation: Only visible for CramPDF members. You can sign-up / login (it's free).
If an insurer knowingly fails to enforce a policy provision on one occasion, the insurer may be prevented from enforcing it on a subsequent occasion by the principle of:
- A. Subrogation
- B. Waiver
- C. Estoppel
- D. Adhesion
Correct Answer: C 🗳️
Explanation: Only visible for CramPDF members. You can sign-up / login (it's free).
Which of the following statements about cash values in whole life insurance policies is true?
- A. They cannot be guaranteed.
- B. They typically increase until age 65 and remain level thereafter.
- C. They equal the policy face value at age 65.
- D. They result from the level premium concept.
Correct Answer: D 🗳️
Explanation: Only visible for CramPDF members. You can sign-up / login (it's free).
An insured's statements on an accident and health insurance application are deemed to be:
- A. Categorical
- B. General provisions
- C. Representations
- D. Warranties
Correct Answer: C 🗳️
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