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  • Total Questions: 265
  • Updated on: Aug 31, 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)
Real Exam Qty:120-150 (varies by state)
Related Certifications:Life Insurance Producer License
Accident & Health (Sickness) Insurance Producer License
Passing Score:Typically 70% (varies by state)
Exam Format:Multiple Choice
Exam Price:USD 40-150 (varies by state)
Available Languages:English
Exam Duration:150-240 (varies by state)
Certificate Validity Period:2 years (renewal with continuing education required, 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
State Law and Regulations- Insurance producer regulations
  • 1. Ethics and fiduciary duties
    • 2. Licensing requirements
      General Insurance Concepts- Insurance principles and risk management
      • 1. Insurance contract fundamentals
        • 2. Risk types and management methods
          Life Insurance- Policy provisions and riders
          • 1. Beneficiaries and settlements
            • 2. Policy loans and dividends
              - Life insurance policies
              • 1. Term life insurance
                • 2. Whole life insurance
                  • 3. Universal life insurance
                    Accident and Health Insurance- Policy provisions
                    • 1. Exclusions and limitations
                      • 2. Coordination of benefits
                        - Health insurance types
                        • 1. Long-term care insurance
                          • 2. Disability income insurance
                            • 3. Medical expense insurance

                              Life-and-Accident-and-Health-or-Sickness-Producer-Combo Exam FAQ: What Candidates Ask About Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30

                              The Life-and-Accident-and-Health-or-Sickness-Producer-Combo exam, officially titled Life and Accident and Health or Sickness Producer - Combo Series 20-30, is the Insurance Licensing exam you pass to earn the Insurance Producer License (Life and Accident & Health or Sickness) certification, a credential at the Associate level. Passing it confirms the skills defined in the official exam outline, and it is associated with related credentials such as Life Insurance Producer License, Accident & Health (Sickness) Insurance Producer License.

                              The Life-and-Accident-and-Health-or-Sickness-Producer-Combo exam includes 120-150 (varies by state) questions and gives you 150-240 (varies by state) to finish them. That is a tight pace per question, so get used to reading each stem once, flagging anything uncertain, and moving on rather than getting stuck. Running timed practice tests in the Fast2test desktop or online test engine is the most reliable way to build that rhythm before exam day.

                              The passing score for the Life-and-Accident-and-Health-or-Sickness-Producer-Combo exam is Typically 70% (varies by state), and the official registration fee is USD 40-150 (varies by state). Keep in mind that a failed attempt means paying USD 40-150 (varies by state) again in full to retake it, so book your slot only when your scores on Fast2test practice tests sit consistently above the passing line.

                              Insurance Licensing lists the following prerequisites or eligibility notes for the Life-and-Accident-and-Health-or-Sickness-Producer-Combo exam: Pre-licensing education required (typically 20–40 hours per line depending on state). Requirements can change over time, so confirm the details on the official exam page at Insurance Licensing's official site before you register.

                              You can register for the Life-and-Accident-and-Health-or-Sickness-Producer-Combo exam through the official channels below:

                              The exam is delivered in the following format: Computer-based testing at authorized testing centers or online proctored exam (varies by state). Choose a date that leaves you enough time to work through the full 265-question practice set first.

                              Insurance Licensing recommends the following training resources for Life-and-Accident-and-Health-or-Sickness-Producer-Combo candidates:

                              Official courses build the theory, and the 265 practice questions from Fast2test help you turn that theory into exam-ready speed and accuracy.

                              Yes. Fast2test offers a free PDF demo of the Life-and-Accident-and-Health-or-Sickness-Producer-Combo material, so you can check the question style and answer quality before purchasing. Every purchase also includes 365 days of free updates, and if your product expires you can extend the update service at a 50% discount from your member zone.

                              Your purchase is protected by a 100% Money Back Guarantee with clear conditions: if you take the corresponding Life-and-Accident-and-Health-or-Sickness-Producer-Combo exam within 60 days of purchase and do not pass, you can apply for a full refund. The candidate name must match the payer name, and you need to submit a scanned exam enrollment slip together with the official Score Report PDF within 2 days of taking the exam; claims are processed within 7 days. Sitting the exam within 3 days of purchase, downloading without taking the exam, free materials, and expired orders are not covered. If you would rather not take a refund, you can exchange your order for two free exam products of equal value and keep the update service on your original purchase.

                              Delivery is instant: your download links are emailed within one minute of payment, and you can also download directly from the website. If nothing arrives within 2 hours, contact customer service and check your spam folder. There is no limit on how many computers you can install the material on.

                              The Life-and-Accident-and-Health-or-Sickness-Producer-Combo exam blueprint is divided into 4 domains, starting with State Law and Regulations; General Insurance Concepts; Accident and Health Insurance. For the complete domain-by-domain breakdown, see the Exam Topics section above — it lists every topic the current outline covers.

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

                              Question 1

                              (If all beneficiaries die before the insured dies, the proceeds of a life insurance policy will be paid to:)

                              A. The beneficiary's estate
                              B. A beneficiary named by the court
                              C. The insured's creditors
                              D. The insured's estate


                              Question 2

                              An existing life insurance policy is sold by the policyowner to help finance the cost of a terminal illness. This is an example of:

                              A. A viatical settlement
                              B. A survivorship policy
                              C. A nonforfeiture option
                              D. An accelerated death benefit


                              Question 3

                              If, after submitting an application, a producer becomes aware of a material fact that may affect the underwriting decision, the producer ' s ethical responsibility requires that the producer:

                              A. Advise the applicant to amend the application
                              B. Deny knowledge of the fact
                              C. Acknowledge the fact only if asked by the insurance company
                              D. Report the fact to the insurance company


                              Question 4

                              The designation of a beneficiary by class in a life insurance policy means that:

                              A. Individual beneficiaries are not specified by name
                              B. The beneficiaries are unrelated to the insured
                              C. The policy must be a form of business life insurance
                              D. A primary beneficiary cannot be designated in the policy


                              Question 5

                              All of the following statements about universal life insurance are true EXCEPT:

                              A. The Internal Revenue Code places a minimum limitation on the difference between the cash value and the death benefit
                              B. It may be written with either a level death benefit or an increasing death benefit
                              C. Failure to pay the renewal premium automatically causes the policy to lapse
                              D. Withdrawals of the policy cash value are permitted and sometimes subject to a surrender charge


                              Solutions:

                              Question 1
                              Answer: D
                              Question 2
                              Answer: A
                              Question 3
                              Answer: D
                              Question 4
                              Answer: A
                              Question 5
                              Answer: C

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