Learn with Insurance Licensing : Life-and-Accident-and-Health-or-Sickness-Producer-Combo training material for 100% pass
Updated: Oct 06, 2026
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Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Overview:
| Certification Vendor: | State Insurance Departments (typically administered via Pearson VUE or Prometric, depending on jurisdiction) |
|---|---|
| Exam Name: | Life and Accident and Health or Sickness Producer - Combo Series 20-30 |
| Exam Number: | 20-30 |
| Exam Price: | $55–$150 USD (varies by state) |
| Related Certifications: | Accident and Health or Sickness Insurance Producer License Life Insurance Producer License |
| Available Languages: | English |
| Exam Format: | Computer-based testing, Multiple-choice |
| Exam Duration: | 120-150 |
| Passing Score: | 70% |
| Real Exam Qty: | 100-150 |
| Certificate Validity Period: | Varies by state (typically license renewal every 2 years) |
| Sample Questions: | Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Sample Questions |
| Exam Way: | Computer-based exam delivered at authorized testing centers or online proctored systems depending on state provider (Pearson VUE or Prometric) |
| Pre Condition: | Completion of state-approved pre-licensing education hours (varies by jurisdiction) |
| Official Syllabus URL: | https://www.naic.org/ (National Association of Insurance Commissioners - reference portal; actual booking via state DOI / Pearson VUE or Prometric) |
Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Accident and Health Insurance | - Disability income and medical expense coverage - Health insurance plans and structures |
| Annuities | - Annuity types and features - Accumulation and payout options |
| Ethics and Professional Conduct | - Consumer protection standards - Ethical responsibilities of insurance producers |
| State Insurance Regulations | - Unfair trade practices and compliance - Producer licensing requirements |
| Federal Regulations and Taxation | - Tax treatment of insurance products - Federal insurance-related regulations |
| Life Insurance | - Types of life insurance policies
|
| Policy Provisions and Options | - Standard policy provisions - Beneficiaries and policy ownership |
| Insurance Fundamentals | - Basic insurance principles - Insurable interest and risk management concepts |
Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:
An insurance adviser's written contract with the client must include all of the following EXCEPT:
- A. Amount of the fee
- B. Duration of the contract
- C. Expiration date of the consultant's license
- D. Disclosure as to whether commissions may be received
Correct Answer: C 🗳️
Explanation: Only visible for Exam4Labs members. You can sign-up / login (it's free).
An accident and health insurance producer is most likely to become liable for professional errors and omissions as the result of:
- A. Misleading a prospective insured in replacing accident and health insurance
- B. An accounting error discovered by the producer's accountant
- C. Incorrect filing of federal income taxes
- D. Submitting a premium payment to an insurer in excess of the required amount
Correct Answer: A 🗳️
Explanation: Only visible for Exam4Labs members. You can sign-up / login (it's free).
The reinstatement provision in individual accident and health insurance:
- A. Allows the insured to change statements made in the application
- B. Reinstates the amount of insurance after payment of a loss
- C. Requires that all reinstatement applications must be approved by the Maryland Insurance Administration
- D. Allows the insured to reinstate the policy after coverage lapses for nonpayment of premium
Correct Answer: D 🗳️
Explanation: Only visible for Exam4Labs members. You can sign-up / login (it's free).
Splitting the commission with the buyer on a sale of insurance is an unfair trade practice known as:
- A. Rebating
- B. Twisting
- C. Binding
- D. Soliciting
Correct Answer: A 🗳️
Explanation: Only visible for Exam4Labs members. You can sign-up / login (it's free).
An applicant for life insurance must be informed that testing for Human Immunodeficiency Virus (HIV) infection is used to help determine:
- A. The insurability of the proposed insured
- B. The effective date and term of coverage
- C. The type of policy that will be issued
- D. Whether an insurable interest exists
Correct Answer: A 🗳️
Explanation: Only visible for Exam4Labs members. You can sign-up / login (it's free).
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