10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The MD L&A/H exam has 140 questions and runs 2 hours 30 minutes.
These 10 free MD L&A/H questions are organized by exam domain, so you can see how each part of the Maryland Life & Accident/Health or Sickness Producer Combo Exam blueprint is tested. Reveal the answer and explanation under each question.
Effective after October 1, 2024, a 19-year-old Maryland resident who has never held an insurance license wants to take exam 2030. Which statement accurately describes the pre-examination requirement?
Correct answer: A - No Maryland-approved prelicensing course is required, although passing the exam does not itself issue a license
A Maryland-licensed producer is not yet appointed by an authorized life insurer. A prospect asks to apply for that insurer's policy. Under Maryland's limited preappointment exception, what may the producer lawfully do?
Correct answer: B - Solicit and submit the application without claiming appointment; the insurer must reject it or appoint the producer within 30 days
A Maryland producer makes an initial court appearance on a felony theft charge. The case may not be resolved for months. What is the producer's reporting duty to the Maryland Insurance Administration?
Correct answer: C - Report within 30 days after the initial court appearance and provide the charging documents
To fund the first premium on a new life policy, a client takes a substantial loan from an existing policy. The old policy remains in force, and the producer knows how the premium will be funded. How is the transaction treated under Maryland replacement rules?
Correct answer: B - It is a financed-purchase replacement, so replacement disclosures and duties apply
A producer shows a prospect a new policy's nonguaranteed illustration beside the guaranteed values of an existing policy, omits the new surrender charge, and uses the comparison to induce surrender. The most specific classification is:
Correct answer: C - Twisting
An insurer repeatedly lets a producer accept premium payments at the producer's office and supplies branded receipts. A policyholder reasonably relies on that practice, even though the agency contract privately limits the producer's authority. The policyholder's belief rests primarily on:
Correct answer: D - apparent authority
A family's needs analysis identifies $420,000 of immediate cash obligations and $680,000 of capitalized income need. The family has $150,000 in liquid assets and $250,000 of existing life insurance. How much additional life insurance is indicated?
Correct answer: A - $700,000
A married couple wants one permanent policy to create estate liquidity only after both spouses have died. No death benefit is needed at the first death. Which policy best matches that objective?
Correct answer: A - Survivorship life
A whole life policyowner discontinues premiums and does not want a policy loan. The owner wants the current face amount continued for the longest period the existing cash value can buy, understanding that coverage will then end. Which nonforfeiture option fits?
Correct answer: D - Extended term insurance
At annuitization, a client wants the highest periodic payment available for one life and accepts that payments will stop at death even if little principal has been returned. Which payout option matches the request?
Correct answer: C - Pure life
The MD L&A/H exam also covers these domains. Drill them in the full free practice test:
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