Higher Test Marks with Free Online Life-and-Accident-Health-Sickness-Producer Exam Practice

Assess the CertsIQ’s updated Life-and-Accident-Health-Sickness-Producer exam questions for free online practice of your Life and Accident and Health or Sickness Producer - Combo (2030) test. Our 2030 dumps questions will enhance your chances of passing the Maryland Insurance Administration Certifications certification exam with higher marks.

Question 1

The Oklahoma Insurance Commissioner may place on probation, censure, suspend, revoke, or refuse to issue a license to an applicant for all of the following causes EXCEPT

Options :

A : having admitted to have committed fraud.

B : providing incorrect, misleading, or materially untrue information in the license application.

C : having been convicted of a misdemeanor.

D : failing to pay state taxes.

Answer: C

Question 2

Which of the following BEST describes a waiver of premium clause in a typical disability policy?

Options :

A : The waiver of premium benefit pays the policy premium during a disability claim.

B : This clause eliminates any premium being paid for the lifetime of the insured individual.

C : The monthly benefit under the policy is reduced to offset the premium that is no longer being paid.

D : This clause generally begins immediately with the doctor stating that the insured person is completely disabled.

Answer: A

Question 3

Which life insurance rider is designed to permit young individuals to be able to purchase additional insurance as they grow older, regardless of insurability?

Options :

A : Cost of living rider.

B : Guaranteed insurability rider.

C : Impairment rider.

D : Multiple indemnity rider.

Answer: B

Question 4

An individual who is NOT acceptable by an insurer at standard rates because of health, habits, or occupation is called a

Options :

A : rating risk.

B : standard risk.

C : preferred risk.

D : substandard risk.

Answer: D

Question 5

How long is the contestable period for a life insurance policy?

Options :

A : 6 months

B : 12 months

C : 24 months

D : 36 months

Answer: C