Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo exam dumps - Life and Accident and Health or Sickness Producer - Combo Series 20-30

  • 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: Sep 12, 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 Insurance Regulations- Unfair trade practices and compliance
- Producer licensing requirements
Accident and Health Insurance- Disability income and medical expense coverage
- Health insurance plans and structures
Policy Provisions and Options- Beneficiaries and policy ownership
- Standard policy provisions
Annuities- Annuity types and features
- Accumulation and payout options
Insurance Fundamentals- Basic insurance principles
- Insurable interest and risk management concepts
Life Insurance- Life policy provisions and riders
- Types of life insurance policies
  • 1. Universal life insurance
    • 2. Term life insurance
      • 3. Whole life insurance
        Federal Regulations and Taxation- Federal insurance-related regulations
        - Tax treatment of insurance products
        Ethics and Professional Conduct- Ethical responsibilities of insurance producers
        - Consumer protection standards

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

        Question #1

        How many days does a former employee have to convert a group term policy to an individual policy after employment is terminated?

        • A. 30
        • B. 10
        • C. 31
        • D. 20
        Answer: C

        Explanation: Only visible for FreeDumps members. You can sign-up / login (it's free).

        Question #2

        Which one of the following causes of loss typically is EXCLUDED under a disability income insurance policy?

        • A. Cancer
        • B. Intentionally self-inflicted injuries
        • C. Tropical disease
        • D. Auto accidents
        Answer: B

        Explanation: Only visible for FreeDumps members. You can sign-up / login (it's free).

        Question #3

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

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

        Explanation: Only visible for FreeDumps members. You can sign-up / login (it's free).

        Question #4

        Surrender and loan features are required in all of the following life insurance policies EXCEPT:

        • A. Twenty payment life
        • B. Endowment insurance
        • C. Five-year term life
        • D. Universal life
        Answer: C

        Explanation: Only visible for FreeDumps members. You can sign-up / login (it's free).

        Question #5

        All of the following are true about loans under personally owned life insurance policies EXCEPT:

        • A. They are secured by the policy's cash value
        • B. They reduce the amount of the death proceeds received
        • C. The interest rate is controlled by the contract
        • D. The policyowner's interest payments are deductible
        Answer: D

        Explanation: Only visible for FreeDumps members. You can sign-up / login (it's free).

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