Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo : 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: Sep 12, 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. Medical expense insurance
      • 3. Disability income insurance
        - Policy provisions
        • 1. Coordination of benefits
          • 2. Exclusions and limitations
            Topic 2: State Law and Regulations- Insurance producer regulations
            • 1. Ethics and fiduciary duties
              • 2. Licensing requirements
                Topic 3: Life Insurance- Life insurance policies
                • 1. Whole life insurance
                  • 2. Universal life insurance
                    • 3. Term life insurance
                      - Policy provisions and riders
                      • 1. Beneficiaries and settlements
                        • 2. Policy loans and dividends
                          Topic 4: General Insurance Concepts- Insurance principles and risk management
                          • 1. Insurance contract fundamentals
                            • 2. Risk types and management methods

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

                              Question #1

                              Surrender and loan features are required in all of the following life insurance policies EXCEPT:

                              • A. Endowment insurance
                              • B. Universal life
                              • C. Five-year term life
                              • D. Twenty payment life
                              Answer: C

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

                              Question #2

                              (If all beneficiaries die before the insured dies, the proceeds of a life insurance policy will be paid to:)

                              • A. The beneficiary's estate
                              • B. A beneficiary named by the court
                              • C. The insured's creditors
                              • D. The insured's estate
                              Answer: D

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

                              Question #3

                              In dental insurance coverage, which one of the following typically is EXCLUDED?

                              • A. Dental X-rays
                              • B. Root canal therapy
                              • C. Preventive care
                              • D. Treatment started prior to the eligibility date
                              Answer: D

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

                              Question #4

                              Who approves the continuing education courses required for producers in Maryland?

                              • A. The Maryland Insurance Administration
                              • B. Each individual's agency manager
                              • C. The National Association of Insurance Commissioners
                              • D. Each insurer with which the licensee holds an appointment
                              Answer: A

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

                              Question #5

                              Dental insurance typically excludes coverage for:

                              • A. Dental X-rays
                              • B. Cleaning of the teeth
                              • C. Preventive treatments
                              • D. Some pre-existing conditions
                              Answer: D

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

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