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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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