Insurance Licensing : Life-and-Accident-and-Health-or-Sickness-Producer-Combo Questions & Answers
Updated: Aug 26, 2026
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Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: General Insurance Concepts | 15% | - Contract law and principles - Underwriting, premium calculation, and taxation - Insurable interest and risk management |
| Topic 2: Accident and Health / Sickness Insurance | 20% | - HMO, PPO, group vs individual coverage - Disability income, medical expense, and long-term care - Health insurance basics and policy provisions - Mandatory benefits and state-specific health rules |
| Topic 3: Annuities and Retirement Products | 10% | - Fixed, indexed, and variable annuities - Tax treatment and suitability standards |
| Topic 4: Life Insurance Basics and Policies | 25% | - Policy provisions, riders, and options - Beneficiaries, claims, and settlement options - Types of life insurance: term, whole, universal, variable |
| Topic 5: 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 |
Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:
Question 1
How many days does a former employee have to convert a group term policy to an individual policy after employment is terminated?
A. 30
B. 10
C. 31
D. 20
Question 2
Reasonable and customary charges for health care are based primarily on:
A. National physician surveys
B. Actuarial tables
C. Average charges within a geographic area
D. Insurance industry studies
Question 3
(If a producer misleads or fails to adequately disclose the title and true nature of a policy offered to a potential insured, it may be considered:)
A. Misrepresentation
B. Defamation
C. Coercion
D. Unfair discrimination
Question 4
All of the following are true about accident and health insurance policies that provide limited benefits EXCEPT:
A. The dollar amount of coverage may be limited to a specified daily amount
B. Coverage for accidental injury may be limited to accidents occurring during travel
C. Coverage is limited to persons under age 65
D. The perils covered may be limited to specified dread diseases
Question 5
A transaction in which a new life insurance policy is purchased, and an existing life insurance policy is surrendered is called:
A. Rollover
B. Reinvestment
C. Replacement
D. Nonforfeiture
Solutions:
| Question 1 Answer: C | Question 2 Answer: C | Question 3 Answer: A | Question 4 Answer: C | Question 5 Answer: C |
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