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Updated: Oct 28, 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 Format: | Computer-based testing, Multiple-choice |
| Related Certifications: | Accident and Health or Sickness Insurance Producer License Life Insurance Producer License |
| Exam Duration: | 120-150 |
| Real Exam Qty: | 100-150 |
| Available Languages: | English |
| Exam Price: | $55–$150 USD (varies by state) |
| Passing Score: | 70% |
| 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 |
|---|---|
| Topic 1: Life Insurance | - Types of life insurance policies
|
| Topic 2: Policy Provisions and Options | - Standard policy provisions - Beneficiaries and policy ownership |
| Topic 3: Accident and Health Insurance | - Health insurance plans and structures - Disability income and medical expense coverage |
| Topic 4: State Insurance Regulations | - Producer licensing requirements - Unfair trade practices and compliance |
| Topic 5: Insurance Fundamentals | - Basic insurance principles - Insurable interest and risk management concepts |
| Topic 6: Ethics and Professional Conduct | - Consumer protection standards - Ethical responsibilities of insurance producers |
| Topic 7: Annuities | - Annuity types and features - Accumulation and payout options |
| Topic 8: Federal Regulations and Taxation | - Federal insurance-related regulations - Tax treatment of insurance products |
Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:
An individual purchased a flexible premium deferred annuity. When must the interest income be reported for federal income tax purposes?
- A. Upon receiving distributions or income benefits from the contract
- B. Never at any time because an annuity has tax-exempt status
- C. At least annually throughout the period of the contract
- D. After first recovering the principal invested in the contract
Correct Answer: A 🗳️
Explanation: Only visible for Pass4training members. You can sign-up / login (it's free).
When an individual replaces a life insurance policy, the form entitled " Important Notice Replacement of Life Insurance or Annuities " is REQUIRED to be signed by:
- A. Both the applicant and the insurance producer
- B. An officer of the insurer
- C. The applicant only
- D. The insurance producer only
Correct Answer: A 🗳️
Explanation: Only visible for Pass4training members. You can sign-up / login (it's free).
An insurance producer or advisor in the State of Maryland can be disciplined by the MarylandInsurance Administration for all of the following EXCEPT:
- A. Making a misleading statement about the financial condition of an insurer
- B. Making false or misleading statements about dividends previously paid on similar policies
- C. Using inappropriate description of a policy to hide the true nature of the policy
- D. Filing a complaint on behalf of the consumer with the Maryland Insurance Administration
Correct Answer: D 🗳️
Explanation: Only visible for Pass4training members. You can sign-up / login (it's free).
Which type of coverage bases benefit eligibility on the capacity to perform activities of daily living?
- A. Long-term care insurance
- B. Major medical expense
- C. Medicare supplement
- D. Long-term disability
Correct Answer: A 🗳️
Explanation: Only visible for Pass4training members. You can sign-up / login (it's free).
Which medical care benefits are emphasized in HMO plans?
- A. Emergency care
- B. Home health care
- C. Alternative medicine
- D. Preventive care
Correct Answer: D 🗳️
Explanation: Only visible for Pass4training members. You can sign-up / login (it's free).
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