Try Insurance Licensing : Life-and-Accident-and-Health-or-Sickness-Producer-Combo practice torrent pass for sure

Updated: Sep 12, 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
Exam Format:Computer-based, Multiple-choice, Proctored (in-person or remote)
Exam Price:$56.00 USD
Passing Score:70%
Real Exam Qty:140-150 scored + 10 unscored pretest
Related Certifications:Accident and Health or Sickness Producer (20-24)
Life Producer (20-20)
Exam Duration:150 minutes
Certificate Validity Period:2 years, renewable with continuing education
Available Languages:English, Spanish
Recommended Training:MIA Approved Pre-Licensing Providers
Prometric Candidate Information Bulletin
Exam Registration:Prometric Maryland Insurance Exam Registration
Maryland Insurance Administration Producer Licensing
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:

SectionWeightObjectives
Topic 1: Accident and Health / Sickness Insurance20%- HMO, PPO, group vs individual coverage
- Mandatory benefits and state-specific health rules
- Health insurance basics and policy provisions
- Disability income, medical expense, and long-term care
Topic 2: Annuities and Retirement Products10%- Fixed, indexed, and variable annuities
- Tax treatment and suitability standards
Topic 3: General Insurance Concepts15%- Insurable interest and risk management
- Underwriting, premium calculation, and taxation
- Contract law and principles
Topic 4: Life Insurance Basics and Policies25%- Beneficiaries, claims, and settlement options
- Policy provisions, riders, and options
- Types of life insurance: term, whole, universal, variable
Topic 5: Insurance Regulation30%- Policy delivery, replacement rules, and disclosure
- State insurance laws and Maryland regulations
- Licensing requirements and procedures
- Ethics, unfair trade practices, and consumer protection

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

Question #1

A licensee must report each of the following to the Maryland Insurance Administration EXCEPT:

  • A. Change of residence address
  • B. Change of name
  • C. Felony convictions
  • D. Change in financial status
Answer: D

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Question #2

Life insurance death proceeds are generally:

  • A. Deemed to be a transfer for value
  • B. Exempt from federal income tax
  • C. Subject to the cost recovery rule
  • D. Subject to the interest-first rule
Answer: B

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Question #3

A nonprofit health service plan may NOT issue a contract that covers which of the following types of benefits?

  • A. Medical expense benefits
  • B. Dental benefits
  • C. Disability income benefits
  • D. Vision benefits
Answer: C

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Question #4

When an individual replaces a life insurance policy, the form entitled " Important Notice Replacement of Life Insurance or Annuities " is REQUIRED to be signed by:

  • A. The insurance producer only
  • B. An officer of the insurer
  • C. Both the applicant and the insurance producer
  • D. The applicant only
Answer: C

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Question #5

Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?

  • A. Period certain
  • B. Cash refund
  • C. Cost recovery
  • D. Installment refund
Answer: A

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