Free Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Practice Test & Real Exam Questions

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: Jul 02, 2026

Question #1

All of the following normally indicate the presence of insurable interest in the life of another person EXCEPT:

A. Maintaining a lasting friendship with the other person

B. Being closely related to the other person by birth

C. Co-signing a mortgage with the other person

D. Being married to the other person

Discussion 0

Correct Answer: A Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #2

All of the following are elements of an insurable risk EXCEPT:

A. A large number of similar units

B. Accidental loss

C. Speculative risk

D. An ability to measure the loss

Discussion 0

Correct Answer: C Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #3

Which one of the following is a life insurance policy provision that keeps the policy in force for a time if the premium is not paid?

A. Assignment provision

B. Incontestability clause

C. Conversion option clause

D. Grace period provision

Discussion 0

Correct Answer: D Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #4

One feature that distinguishes a continuous premium whole life policy from a limited payment whole life policy is:

A. The settlement options available

B. The mortality table from which premiums are calculated

C. The length of time premiums will be paid

D. The form in which dividends are paid

Discussion 0

Correct Answer: C Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #5

An existing life insurance policy is sold by the policyowner to help finance the cost of a terminal illness. This is an example of:

A. An accelerated death benefit

B. A viatical settlement

C. A nonforfeiture option

D. A survivorship policy

Discussion 0

Correct Answer: B Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #6

Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?

A. Medicare supplement

B. Long-term disability

C. Major medical expense

D. Long-term care insurance

Discussion 0

Correct Answer: D Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #7

When determining the premiums for large groups, most insurance companies use:

A. Occupational rating

B. Experience rating

C. Area rating

D. Pooled rating

Discussion 0

Correct Answer: B Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #8

An insurance producer ' s license may be suspended or revoked by:

A. The continuing education course provider

B. The appointing insurer

C. The Attorney General

D. The Maryland Insurance Administration

Discussion 0

Correct Answer: D Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #9

In accident and health insurance, a waiting period for pre-existing conditions means that:

A. Payment for expenses resulting from pre-existing conditions is held in escrow

B. Coverage for pre-existing conditions starts at the inception of the new policy

C. A period of time must elapse before pre-existing conditions are covered

D. Coverage for pre-existing conditions is permanently excluded by a new insurer

Discussion 0

Correct Answer: C Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #10

A life insurance policy beneficiary ' s life expectancy has a direct bearing upon:

A. The total amount payable under the policy as a result of the insured ' s death

B. The policy value that will be includable in the insured ' s estate

C. The taxable portion of each benefit payment under a life income settlement option

D. The premium rate for each $1,000 of face amount

Discussion 0

Correct Answer: C Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #11

How many days does a former employee have to convert a group term policy to an individual policy after employment is terminated?

A. 10

B. 20

C. 30

D. 31

Discussion 0

Correct Answer: D Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #12

If a life insurer denies a policy of life insurance, the insurer shall disclose the results of any medical examination administered to determine insurability to the:

A. Company's underwriter

B. Physician that furnished medical information to the insurer

C. Beneficiary of the policy

D. Physician of the applicant ' s choice upon the request of the applicant

Discussion 0

Correct Answer: D Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #13

The entire contract provision in a life insurance policy states that the policy includes:

A. The producer ' s report to the insurer

B. The Medical Information Bureau report

C. Any attending physician ' s statement

D. The application attached to the policy

Discussion 0

Correct Answer: D Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Question #14

The purpose of regulation of insurance advertising is to do all of the following EXCEPT:

A. Present an accurate description of insurance to the public

B. Establish minimum standards of conduct

C. Prevent unfair competition among insurers

D. Maintain a low profile for insurance products

Discussion 0

Correct Answer: D Vote an answer

Explanation: Only visible for Pass4Leader members. You can sign-up / login (it's free).

Download Free Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Demo

Simply submit your e-mail address below to get started with our free demo of your Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo exam.