Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo exam dumps - Life and Accident and Health or Sickness Producer - Combo Series 20-30

  • 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: Oct 25, 2026     Q & A: 265 Questions and Answers

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

SectionObjectives
Topic 1: Accident and Health Insurance- Health insurance types
  • 1. Long-term care insurance
    • 2. Disability income insurance
      • 3. Medical expense insurance
        - Policy provisions
        • 1. Exclusions and limitations
          • 2. Coordination of benefits
            Topic 2: General Insurance Concepts- Insurance principles and risk management
            • 1. Risk types and management methods
              • 2. Insurance contract fundamentals
                Topic 3: State Law and Regulations- Insurance producer regulations
                • 1. Ethics and fiduciary duties
                  • 2. Licensing requirements
                    Topic 4: Life Insurance- Policy provisions and riders
                    • 1. Beneficiaries and settlements
                      • 2. Policy loans and dividends
                        - Life insurance policies
                        • 1. Term life insurance
                          • 2. Universal life insurance
                            • 3. Whole life insurance

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

                              Question #1

                              Pat owns a small business and is interested in enrolling her son in the Maryland Children's Health Insurance Program. Which of the following is the MOST appropriate person for Pat to contact for enrollment?

                              • A. A SHOP Exchange Navigator
                              • B. An Insurance Producer authorized to work in the SHOP Exchange
                              • C. A certified Navigator or authorized Producer for the Individual Exchange
                              • D. The Maryland Insurance Commissioner
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for FreeDumps members. You can sign-up / login (it's free).

                              Question #2

                              Replacing an existing life insurance policy with a new one may result in:

                              • A. An illegal transaction
                              • B. Small business taxation
                              • C. Capital gains taxation
                              • D. Surrender costs
                              Reveal Solution  Discussion  0

                              Correct Answer: D  🗳️

                              Explanation: Only visible for FreeDumps members. You can sign-up / login (it's free).

                              Question #3

                              An insurance adviser's written contract with the client must include all of the following EXCEPT:

                              • A. Amount of the fee
                              • B. Duration of the contract
                              • C. Expiration date of the consultant's license
                              • D. Disclosure as to whether commissions may be received
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for FreeDumps members. You can sign-up / login (it's free).

                              Question #4

                              All of the following are true about loans under personally owned life insurance policies EXCEPT:

                              • A. They are secured by the policy's cash value
                              • B. They reduce the amount of the death proceeds received
                              • C. The interest rate is controlled by the contract
                              • D. The policyowner's interest payments are deductible
                              Reveal Solution  Discussion  0

                              Correct Answer: D  🗳️

                              Explanation: Only visible for FreeDumps members. You can sign-up / login (it's free).

                              Question #5

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

                              • A. Minimum daily benefit and the maximum time limit for hospital room and board expenses
                              • B. Maximum daily benefit and the minimum time limit for hospital room and board expenses
                              • C. Maximum daily benefit and the maximum time limit for hospital room and board expenses
                              • D. Minimum daily benefit and the minimum time limit for hospital room and board expenses
                              Reveal Solution  Discussion  0

                              Correct Answer: C  🗳️

                              Explanation: Only visible for FreeDumps members. You can sign-up / login (it's free).

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