Purchase Insurance Licensing : Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam Materials and then pass exam easily

Updated: Sep 09, 2026

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

Certification Vendor:State Departments of Insurance (administered via Pearson VUE or PSI depending on jurisdiction)
Exam Name:Life and Accident & Health or Sickness Insurance Producer Combination Examination
Exam Number:Series 20-30 (varies by state)
Certificate Validity Period:2 years (renewal with continuing education required, varies by state)
Passing Score:Typically 70% (varies by state)
Exam Format:Multiple Choice
Available Languages:English
Real Exam Qty:120-150 (varies by state)
Related Certifications:Life Insurance Producer License
Accident & Health (Sickness) Insurance Producer License
Exam Price:USD 40-150 (varies by state)
Exam Duration:150-240 (varies by state)
Recommended Training:Exam prep providers (Kaplan Insurance Licensing)
Exam Registration:Pearson VUE Insurance Exams
Sample Questions:Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo Sample Questions
Exam Way:Computer-based testing at authorized testing centers or online proctored exam (varies by state)
Pre Condition:Pre-licensing education required (typically 20–40 hours per line depending on state)
Official Syllabus URL:https://home.pearsonvue.com/

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

SectionObjectives
Topic 1: State Law and Regulations- Insurance producer regulations
  • 1. Ethics and fiduciary duties
    • 2. Licensing requirements
      Topic 2: General Insurance Concepts- Insurance principles and risk management
      • 1. Insurance contract fundamentals
        • 2. Risk types and management methods
          Topic 3: Accident and Health Insurance- Health insurance types
          • 1. Disability income insurance
            • 2. Long-term care insurance
              • 3. Medical expense insurance
                - Policy provisions
                • 1. Coordination of benefits
                  • 2. Exclusions and limitations
                    Topic 4: Life Insurance- Life insurance policies
                    • 1. Whole life insurance
                      • 2. Universal life insurance
                        • 3. Term life insurance
                          - Policy provisions and riders
                          • 1. Policy loans and dividends
                            • 2. Beneficiaries and settlements

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

                              Question #1

                              The employer who receives and holds the insurance policy is known as the:

                              • A. Policy beneficiary
                              • B. Group director
                              • C. Benefit coordinator
                              • D. Master policyholder
                              Answer: D

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                              Question #2

                              Which one of the following statements about participating life insurance is true?

                              • A. The insured must be the policyowner.
                              • B. The insurer must be a stock company.
                              • C. Policyowners are assessed monthly for losses.
                              • D. Policyowners may be entitled to receive dividends.
                              Answer: D

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                              Question #3

                              How does the payment of an accelerated benefit affect a life insurance policy?

                              • A. It increases the cash value.
                              • B. It decreases the death benefit.
                              • C. It increases the policy premium.
                              • D. It decreases the grace period.
                              Answer: B
                              Question #4

                              The phrase, "this policy pays $1,800 for hospital room and board expenses," should include the:

                              • A. Minimum daily benefit and the maximum time limit for hospital room and board expenses
                              • B. Maximum daily benefit and the minimum time limit for hospital room and board expenses
                              • C. Maximum daily benefit and the maximum time limit for hospital room and board expenses
                              • D. Minimum daily benefit and the minimum time limit for hospital room and board expenses
                              Answer: C

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                              Question #5

                              Under Maryland law, the agreement between an insurance producer and insurer under which the insurance producer, for compensation, may sell, solicit, or negotiate policies issued by the insurer is defined as:

                              • A. An appointment
                              • B. A binding agreement
                              • C. A certificate of authority
                              • D. A license
                              Answer: A

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