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Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Syllabus Topics:

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

1. Reasonable and customary charges for health care are based primarily on:

A) Insurance industry studies
B) National physician surveys
C) Actuarial tables
D) Average charges within a geographic area

2. The purchaser of a deferred annuity normally intends that the income benefits will begin:

A) Within several weeks after the annuity is purchased
B) Upon request of the designated beneficiary
C) On a specified date often years after issuance
D) Upon the death of the annuitant

3. An insurable interest in each other ' s lives may exist in the absence of an economic interest when the individuals are:

A) Traveling companions
B) Competitors
C) Marriage partners
D) Business associates

4. All of the following are exclusions or restrictions sometimes found in life insurance policies EXCEPT:

A) Accidental death
B) Suicide
C) War
D) Aviation

5. One factor in premium determination is the expenses of the:

A) Policy beneficiary
B) Insurer
C) Producer
D) Policy owner

Solutions: