Chris is an insured bricklayer who severed his left hand in an automobile accident. Although his primary duty cannot be performed, Chris is also a substitute high school teacher. He collects a full disability income check every month. How does his policy define total disability?

The Maryland Life and Health Insurance Licensing Exam covers general insurance principles, specific life/health products, and state-specific regulations, typically consisting of 130-140 multiple-choice questions. Key topics include annuities, policy provisions, LTC, and Maryland insurance laws. A 70% score is required to pass.  Exam Topics and Content Outline General Insurance Principles: Basic concepts, risk management, and contract law. Life Insurance: Types of policies (term, whole life), policy riders, options, and tax treatment. Annuities: Principles, types (immediate vs. deferred),... Show more

The Maryland Life and Health Insurance Licensing Exam covers general insurance principles, specific life/health products, and state-specific regulations, typically consisting of 130-140 multiple-choice questions. Key topics include annuities, policy provisions, LTC, and Maryland insurance laws. A 70% score is required to pass. 

Exam Topics and Content Outline
General Insurance Principles: Basic concepts, risk management, and contract law.
Life Insurance: Types of policies (term, whole life), policy riders, options, and tax treatment.
Annuities: Principles, types (immediate vs. deferred), and payment options.
Health Insurance: Medical plans, disability income, dental, and group policies.
Health Policy Provisions: Mandatory and optional provisions, including long-term care (LTC) policies.
Maryland Insurance Laws and Regulations: Specific regulations for licensing, marketing practices, and prohibited acts. 

Exam Details
Exam Structure: The combined Life, Accident, and Health exam usually includes 140 questions and lasts 2 hours and 30 minutes.
Pre-licensing Requirement: 40 hours of approved pre-licensing study for the combined exam.
Testing Provider: Prometric administers the exam.

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