Try and practice the latest Insurance Licensing : Life-and-Accident-and-Health-or-Sickness-Producer-Combo real questions & answers
Updated: Aug 17, 2026
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Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Overview:
| Certification Vendor: | Maryland Insurance Administration (MIA) |
| Exam Name: | Life and Accident and Health or Sickness Producer - Combo Series 20-30 |
| Exam Number: | 20-30 / 2030 |
| Related Certifications: | Life Producer (20-20) Accident and Health or Sickness Producer (20-24) |
| Exam Price: | $56.00 USD |
| Certificate Validity Period: | 2 years, renewable with continuing education |
| Exam Format: | Computer-based, Multiple-choice, Proctored (in-person or remote) |
| Available Languages: | English, Spanish |
| Passing Score: | 70% |
| Exam Duration: | 150 minutes |
| Real Exam Qty: | 140-150 scored + 10 unscored pretest |
| Recommended Training: | Prometric Candidate Information Bulletin MIA Approved Pre-Licensing Providers |
| Exam Registration: | Maryland Insurance Administration Producer Licensing Prometric Maryland Insurance Exam Registration |
| Sample Questions: | Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Sample Questions |
| Exam Way: | In-person at Prometric test centers or online via ProProctor remote proctoring |
| Pre Condition: | Minimum age 18; no mandatory pre-licensing education (as of Oct 1, 2024); valid government ID required |
| Official Syllabus URL: | https://www.prometric.com/maryland/insurance |
Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Insurance Basics and Policies | 25% | - Beneficiaries, claims, and settlement options - Types of life insurance: term, whole, universal, variable - Policy provisions, riders, and options |
| Topic 2: Insurance Regulation | 30% | - State insurance laws and Maryland regulations - Policy delivery, replacement rules, and disclosure - Ethics, unfair trade practices, and consumer protection - Licensing requirements and procedures |
| Topic 3: Accident and Health / Sickness Insurance | 20% | - Mandatory benefits and state-specific health rules - HMO, PPO, group vs individual coverage - Disability income, medical expense, and long-term care - Health insurance basics and policy provisions |
| Topic 4: Annuities and Retirement Products | 10% | - Fixed, indexed, and variable annuities - Tax treatment and suitability standards |
| Topic 5: General Insurance Concepts | 15% | - Underwriting, premium calculation, and taxation - Insurable interest and risk management - Contract law and principles |
Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:
1. Taking out a loan under a life insurance policy:
A) Changes the policy into a modified endowment contract (MEC)
B) Results in loss of the tax-exempt status of the death proceeds
C) Reduces the amount receivable upon surrender of the contract
D) Results in a distribution of taxable income to the policyowner
2. In a deferred annuity, which event initiates benefit payments to the annuitant?
A) The contract is surrendered
B) The beneficiary dies
C) The contract is annuitized
D) A cash refund is paid
3. How long will income benefit payments continue under a life annuity with ten years certain?
A) Until the annuitant dies, and for an additional ten years
B) Until the annuitant dies, or for ten years, whichever is longer
C) Only for ten years, regardless of how long the annuitant lives
D) Only until the annuitant dies, regardless of when death occurs
4. In dental insurance coverage, which one of the following typically is EXCLUDED?
A) Root canal therapy
B) Preventive care
C) Treatment started prior to the eligibility date
D) Dental X-rays
5. Which benefit is usually excluded from accident and health plan coverage?
A) Hospital expense
B) Surgical expense
C) Physicians' visits
D) Custodial care
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: C | Question # 3 Answer: B | Question # 4 Answer: C | Question # 5 Answer: D |
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