Updated: Sep 12, 2026
No. of Questions: 265 Questions & Answers with Testing Engine
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| 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 |
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Accident and Health / Sickness Insurance | 20% | - 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 Products | 10% | - Fixed, indexed, and variable annuities - Tax treatment and suitability standards |
| Topic 3: General Insurance Concepts | 15% | - Insurable interest and risk management - Underwriting, premium calculation, and taxation - Contract law and principles |
| Topic 4: Life Insurance Basics and Policies | 25% | - Beneficiaries, claims, and settlement options - Policy provisions, riders, and options - Types of life insurance: term, whole, universal, variable |
| Topic 5: Insurance Regulation | 30% | - Policy delivery, replacement rules, and disclosure - State insurance laws and Maryland regulations - Licensing requirements and procedures - Ethics, unfair trade practices, and consumer protection |
A licensee must report each of the following to the Maryland Insurance Administration EXCEPT:
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Life insurance death proceeds are generally:
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A nonprofit health service plan may NOT issue a contract that covers which of the following types of benefits?
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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:
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Which life annuity contract feature provides that benefit payments will continue for a minimum number of years regardless of when the annuitant dies?
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