Prepare with Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo exam practice material, pass for sure
Updated: Aug 19, 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 |
| Certificate Validity Period: | Varies by state (typically license renewal every 2 years) |
| Exam Format: | Multiple-choice, Computer-based testing |
| Real Exam Qty: | 100-150 |
| Passing Score: | 70% |
| Exam Price: | $55–$150 USD (varies by state) |
| Available Languages: | English |
| Related Certifications: | Life Insurance Producer License Accident and Health or Sickness Insurance Producer License |
| Exam Duration: | 120-150 |
| 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: Insurance Fundamentals | - Insurable interest and risk management concepts - Basic insurance principles |
| Topic 2: Annuities | - Accumulation and payout options - Annuity types and features |
| Topic 3: Federal Regulations and Taxation | - Federal insurance-related regulations - Tax treatment of insurance products |
| Topic 4: Ethics and Professional Conduct | - Ethical responsibilities of insurance producers - Consumer protection standards |
| Topic 5: Life Insurance | - Life policy provisions and riders - Types of life insurance policies
|
| Topic 6: State Insurance Regulations | - Unfair trade practices and compliance - Producer licensing requirements |
| Topic 7: Accident and Health Insurance | - Disability income and medical expense coverage - Health insurance plans and structures |
| Topic 8: Policy Provisions and Options | - Standard policy provisions - Beneficiaries and policy ownership |
Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:
1. How does the payment of an accelerated benefit affect a life insurance policy?
A) It increases the cash value.
B) It decreases the grace period.
C) It increases the policy premium.
D) It decreases the death benefit.
2. Which contract offers flexible deposits, deferred taxation, a guaranteed minimum interest rate, and death proceeds equal to the cash value?
A) An available deferred annuity
B) A universal life insurance policy
C) A flexible premium fixed annuity
D) An adjustable whole life insurance policy
3. An immediate annuity:
A) Lacks an accumulation period
B) May be purchased in installments
C) Pays a lump sum benefit to the annuitant
D) Normally permits tax-deductible contributions
4. Reasonable and customary charges for health care are based primarily on:
A) Actuarial tables
B) Average charges within a geographic area
C) Insurance industry studies
D) National physician surveys
5. Surrender and loan features are required in all of the following life insurance policies EXCEPT:
A) Universal life
B) Twenty payment life
C) Endowment insurance
D) Five-year term life
Solutions:
| Question # 1 Answer: D | Question # 2 Answer: C | Question # 3 Answer: A | Question # 4 Answer: B | Question # 5 Answer: D |
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