Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Q&A - in .pdf

  • 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: Aug 28, 2026
  • Q & A: 265 Questions and Answers
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  • 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: Aug 28, 2026
  • Q & A: 265 Questions and Answers
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Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Syllabus Topics:

SectionObjectives
State Law and Regulations- Insurance producer regulations
  • 1. Licensing requirements
    • 2. Ethics and fiduciary duties
      Life Insurance- Life insurance policies
      • 1. Whole life insurance
        • 2. Universal life insurance
          • 3. Term life insurance
            - Policy provisions and riders
            • 1. Beneficiaries and settlements
              • 2. Policy loans and dividends
                General Insurance Concepts- Insurance principles and risk management
                • 1. Risk types and management methods
                  • 2. Insurance contract fundamentals
                    Accident and Health Insurance- Health insurance types
                    • 1. Disability income insurance
                      • 2. Medical expense insurance
                        • 3. Long-term care insurance
                          - Policy provisions
                          • 1. Exclusions and limitations
                            • 2. Coordination of benefits

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

                              Question 1

                              Which benefit is usually excluded from accident and health plan coverage?

                              A. Physicians' visits
                              B. Hospital expense
                              C. Custodial care
                              D. Surgical expense


                              Question 2

                              All of the following services are covered under the Medicare Supplement preventive care benefit EXCEPT:

                              A. Hearing tests
                              B. Routine physical examinations
                              C. Outpatient prescription vitamins
                              D. Immunizations


                              Question 3

                              A life insurance policy becomes incontestable after it has been in force for:

                              A. 6 months
                              B. 2 years
                              C. 3 years
                              D. 30 days


                              Question 4

                              All of the following are unfair trade practices EXCEPT:

                              A. Misrepresentation
                              B. Fraudulent advertising
                              C. Illegal inducement
                              D. Reinsurance


                              Question 5

                              Which of the following statements about the contestability of a life insurance policy is true?

                              A. The policy can be contested by the insurer at all times
                              B. The policy can be contested only if the insured is convicted of a felony
                              C. The policy cannot be contested by the insurer once it is paid for and issued
                              D. The policy can be contested by the insurer only during the first two years of the contract


                              Solutions:

                              Question 1
                              Answer: C
                              Question 2
                              Answer: C
                              Question 3
                              Answer: B
                              Question 4
                              Answer: D
                              Question 5
                              Answer: D

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