Try and practice the latest Insurance Licensing : Life-and-Accident-and-Health-or-Sickness-Producer-Combo real questions & answers
Updated: Jul 03, 2026
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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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