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

  • 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: Jul 02, 2026
  • Q & A: 265 Questions and Answers

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

1. The entire contract provision in an individual accident and health insurance policy states that the producer:

A) Has company authority to waive any contract provisions
B) May waive only certain contract provisions
C) Has no authority to change the policy or waive any of its provisions
D) Has company authority to change the policy


2. The primary purpose of disability income insurance is to:

A) Provide benefit payments for a period of time when the insured is unable to work
B) Pay necessary hospital expenses when the insured is unable to work
C) Provide indemnity for loss of life
D) Pay any physicians' fees resulting from a disabling injury


3. Splitting the commission with the buyer on a sale of insurance is an unfair trade practice known as:

A) Rebating
B) Twisting
C) Binding
D) Soliciting


4. In general practice, which one of the following is true of the powers of the Maryland Insurance Administration with respect to access to a producer's business records?

A) The Maryland Insurance Administration has no right to access a producer's business records because of privacy considerations
B) Records must be produced upon the request of the Maryland Insurance Administration
C) Records can only be accessed by an order of a state court
D) Authorization must come from the National Association of Insurance Commissioners (NAIC)


5. (If a producer misleads or fails to adequately disclose the title and true nature of a policy offered to a potential insured, it may be considered:)

A) Coercion
B) Unfair discrimination
C) Misrepresentation
D) Defamation


Solutions:

Question # 1
Answer: C
Question # 2
Answer: A
Question # 3
Answer: A
Question # 4
Answer: B
Question # 5
Answer: C

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