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Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Insurance Regulation | 30% | - Licensing requirements and procedures - State insurance laws and Maryland regulations - Policy delivery, replacement rules, and disclosure - Ethics, unfair trade practices, and consumer protection |
| Annuities and Retirement Products | 10% | - Fixed, indexed, and variable annuities - Tax treatment and suitability standards |
| General Insurance Concepts | 15% | - Underwriting, premium calculation, and taxation - Insurable interest and risk management - Contract law and principles |
| Accident and Health / Sickness Insurance | 20% | - Disability income, medical expense, and long-term care - HMO, PPO, group vs individual coverage - Health insurance basics and policy provisions - Mandatory benefits and state-specific health rules |
| Life Insurance Basics and Policies | 25% | - Beneficiaries, claims, and settlement options - Policy provisions, riders, and options - Types of life insurance: term, whole, universal, variable |
Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:
Who approves the continuing education courses required for producers in Maryland?
- A. Each insurer with which the licensee holds an appointment
- B. The National Association of Insurance Commissioners
- C. Each individual's agency manager
- D. The Maryland Insurance Administration
Correct Answer: D 🗳️
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All of the following would be considered an unfair trade practice EXCEPT:
- A. Sharing commissions with agents who have equivalent licenses
- B. Misrepresentation of any insurance policy as being shares of stock
- C. Publishing false statements derogatory to the financial condition of an insurer
- D. Statements misrepresenting the benefits of an insurance policy
Correct Answer: A 🗳️
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An insurance producer provided several examples to the applicant persuasively demonstrating that the insurance coverage offered under his company's 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. Twisting
- B. Fraud
- C. Rebating
- D. Discrimination
Correct Answer: A 🗳️
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Under the minimum distribution requirement, a qualified retirement plan must distribute at least a certain amount each year after a retired participant attains age:
- A. 70½
- B. 62
- C. 65
- D. 59½
Correct Answer: A 🗳️
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An insurer may pay a commission directly or indirectly to:
- A. Anyone soliciting business for the insurer
- B. An unlicensed employee of the insurer
- C. A producer whose license is terminated after earning the commission
- D. A surplus lines broker operating without a license for less than one year
Correct Answer: C 🗳️
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