PDF Version DemoIn recent years, many people choose to take Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo certification exam which can make you get the Insurance Licensing certificate that is the passport to get a better job and get promotions.
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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% | - Fixed, indexed, and variable annuities - Tax treatment and suitability standards |
| Life Insurance Basics and Policies | 25% | - Policy provisions, riders, and options - Beneficiaries, claims, and settlement options - Types of life insurance: term, whole, universal, variable |
| Insurance Regulation | 30% | - State insurance laws and Maryland regulations - Licensing requirements and procedures - Policy delivery, replacement rules, and disclosure - Ethics, unfair trade practices, and consumer protection |
| Accident and Health / Sickness Insurance | 20% | - HMO, PPO, group vs individual coverage - Health insurance basics and policy provisions - Disability income, medical expense, and long-term care - Mandatory benefits and state-specific health rules |
| General Insurance Concepts | 15% | - Insurable interest and risk management - Underwriting, premium calculation, and taxation - Contract law and principles |
Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:
1. All of the following statements about universal life insurance are true EXCEPT:
A) Withdrawals of the policy cash value are permitted and sometimes subject to a surrender charge
B) The Internal Revenue Code places a minimum limitation on the difference between the cash value and the death benefit
C) Failure to pay the renewal premium automatically causes the policy to lapse
D) It may be written with either a level death benefit or an increasing death benefit
2. Which benefit is usually excluded from accident and health plan coverage?
A) Physicians' visits
B) Surgical expense
C) Hospital expense
D) Custodial care
3. Replacing an existing life insurance policy with a new one may result in:
A) Surrender costs
B) An illegal transaction
C) Small business taxation
D) Capital gains taxation
4. The owner's cost basis in a non-qualified deferred annuity is usually equal to the:
A) Total premiums paid
B) Guaranteed cash value
C) Opportunity cost
D) Actual cash value
5. Which advantage does an employer gain by providing a qualified retirement plan, as contrasted to a non- qualified plan?
A) The plan funds are available for general business needs
B) It can be designed for the exclusive benefit of several key employees
C) The employer's contributions to the plan are tax deductible
D) It is useful in rewarding selected employees for good work performance
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: D | Question # 3 Answer: A | Question # 4 Answer: A | Question # 5 Answer: C |
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