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Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam : Life and Accident and Health or Sickness Producer - Combo Series 20-30

Life-and-Accident-and-Health-or-Sickness-Producer-Combo actual test
  • 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
  • Updated: Sep 15, 2026
  • Q & A: 265 Questions and Answers
  • PDF Demo
  • PC Test Engine
  • Online Test Engine
  • Total Price: $59.99  

About Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam

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Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Syllabus Topics:

SectionWeightObjectives
Annuities and Retirement Products10%- Tax treatment and suitability standards
- Fixed, indexed, and variable annuities
General Insurance Concepts15%- Insurable interest and risk management
- Contract law and principles
- Underwriting, premium calculation, and taxation
Accident and Health / Sickness Insurance20%- Disability income, medical expense, and long-term care
- Health insurance basics and policy provisions
- HMO, PPO, group vs individual coverage
- Mandatory benefits and state-specific health rules
Life Insurance Basics and Policies25%- Types of life insurance: term, whole, universal, variable
- Policy provisions, riders, and options
- Beneficiaries, claims, and settlement options
Insurance Regulation30%- Ethics, unfair trade practices, and consumer protection
- Licensing requirements and procedures
- Policy delivery, replacement rules, and disclosure
- State insurance laws and Maryland regulations

Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:

Question #1

The designation of a beneficiary by class in a life insurance policy means that:

  • A. Individual beneficiaries are not specified by name
  • B. The policy must be a form of business life insurance
  • C. The beneficiaries are unrelated to the insured
  • D. A primary beneficiary cannot be designated in the policy
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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Question #2

Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?

  • A. Medicare supplement
  • B. Long-term care insurance
  • C. Long-term disability
  • D. Major medical expense
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Question #3

An existing life insurance policy is sold by the policyowner to help finance the cost of a terminal illness. This is an example of:

  • A. A nonforfeiture option
  • B. A survivorship policy
  • C. A viatical settlement
  • D. An accelerated death benefit
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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Question #4

The Maryland Insurance Administration may suspend an agent's license for all of the following reasons EXCEPT:

  • A. Engaging in fraudulent or dishonest practices
  • B. Mishandling premium payments
  • C. Sharing commissions with agents holding the same license type
  • D. Violating a regulation or order of the Maryland Insurance Administration
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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Question #5

Under which marketing system do insurers solicit customers by mass media advertising and mail without the services of a producer?

  • A. Branch office
  • B. Direct response
  • C. Contingent
  • D. Captive agent
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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