Learn with Insurance Licensing : Life-and-Accident-and-Health-or-Sickness-Producer-Combo training material for 100% pass
Updated: Aug 17, 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: | Life Insurance Producer License Accident and Health or Sickness Insurance Producer License |
| Available Languages: | English |
| Exam Format: | Multiple-choice, Computer-based testing |
| 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:
1. 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
2. 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
3. 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
4. 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
5. 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
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: A | Question # 3 Answer: D | Question # 4 Answer: A | Question # 5 Answer: A |
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