Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Actual Free Exam Questions & Community Discussion

Exam Code/Number: Life-and-Accident-and-Health-or-Sickness-Producer-Combo
Exam Name/Title: Life and Accident and Health or Sickness Producer - Combo Series 20-30
Certification Provider: Insurance Licensing
Corresponding Certification: Insurance Licensing Certification

Exam Questions: 265
Updated On: Aug 03, 2026

Question #15

The time when an insured must be disabled before becoming eligible for disability benefits is the:

A. Benefit period

B. Grace period

C. Contestability period

D. Elimination period

Discussion 0

Correct Answer: D Vote an answer

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Question #16

All of the following statements about the life insurance protection provided by a family life insurance policy are true EXCEPT:

A. Life insurance coverage is provided automatically to children born during the policy period

B. Coverage for dependents can be converted to whole life insurance without evidence of insurability

C. Coverage is available only to heads of households who are 30 years old or younger

D. Most of the premium amount purchases whole life insurance for the head of the household

Discussion 0

Correct Answer: C Vote an answer

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Question #17

It is unlawful for a person to provide an advertisement that:

A. Makes a comparison of benefits between policies

B. Uses a policy title to misrepresent a coverage

C. Refers to the insurer's financial rating

D. Points out coverage advantages of a policy

Discussion 0

Correct Answer: B Vote an answer

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Question #18

The income benefits distributed during the payout phase of an annuity contract are normally payable to:

A. The beneficiary

B. The nominator

C. The owner

D. The annuitant

Discussion 0

Correct Answer: D Vote an answer

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Question #19

A valid contract requires all of the following EXCEPT:

A. Consideration

B. Written evidence

C. Offer and acceptance

D. Competent parties

Discussion 0

Correct Answer: B Vote an answer

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Question #20

An insurance producer who conducts business under an assumed or fictitious name must:

A. Apply for an additional license

B. Apply for an additional appointment

C. File the name with the Insurance Administration

D. Post a $10,000 bond

Discussion 0

Correct Answer: C Vote an answer

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Question #21

The phrase, "this policy pays $1,800 for hospital room and board expenses," should include the:

A. Maximum daily benefit and the maximum time limit for hospital room and board expenses

B. Minimum daily benefit and the minimum time limit for hospital room and board expenses

C. Minimum daily benefit and the maximum time limit for hospital room and board expenses

D. Maximum daily benefit and the minimum time limit for hospital room and board expenses

Discussion 0

Correct Answer: A Vote an answer

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Question #22

An insurance producer or advisor in the State of Maryland can be disciplined by the MarylandInsurance Administration for all of the following EXCEPT:

A. Making false or misleading statements about dividends previously paid on similar policies

B. Making a misleading statement about the financial condition of an insurer

C. Filing a complaint on behalf of the consumer with the Maryland Insurance Administration

D. Using inappropriate description of a policy to hide the true nature of the policy

Discussion 0

Correct Answer: C Vote an answer

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Question #23

The purchaser of a deferred annuity normally intends that the income benefits will begin:

A. On a specified date often years after issuance

B. Upon the death of the annuitant

C. Upon request of the designated beneficiary

D. Within several weeks after the annuity is purchased

Discussion 0

Correct Answer: A Vote an answer

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Question #24

Which federal government agency enforces the securities laws enacted by Congress?

A. The Securities Investment Commission

B. The Securities and Exchange Commission

C. The National Securities Regulatory Commission

D. The Variable Investment Commission

Discussion 0

Correct Answer: B Vote an answer

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Question #25

All of the following are basic underwriting actions in accident and health insurance EXCEPT:

A. Deleting uniform policy provisions

B. Issuing standard policies as applied for

C. Issuing policies with exclusion riders

D. Rejecting applicants

Discussion 0

Correct Answer: A Vote an answer

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Question #26

The Maryland Insurance Administration is an agency of the:

A. State government

B. Federal government

C. Maryland General Assembly

D. National Association of Insurance Commissioners

Discussion 0

Correct Answer: A Vote an answer

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Question #27

Who is responsible for reporting the licensee's change of name or address to the Maryland Insurance Administration?

A. The appointing insurer

B. The licensee

C. The staff of the Maryland Insurance Administration

D. The managing general agent

Discussion 0

Correct Answer: B Vote an answer

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Question #28

Which type of Medicare Supplement information can be used without prior state approval?

A. Radio announcements approved by the insurer

B. Government publications

C. Television advertisements approved by the insurer

D. Insurance company brochures

Discussion 0

Correct Answer: B Vote an answer

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