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Updated: Aug 11, 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) |
| Passing Score: | Typically 70% (varies by state) |
| Exam Format: | Multiple Choice |
| Exam Price: | USD 40-150 (varies by state) |
| Available Languages: | English |
| Related Certifications: | Life Insurance Producer License Accident & Health (Sickness) Insurance Producer License |
| 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:
| Section | Objectives |
|---|---|
| Life Insurance | - Life insurance policies
|
| General Insurance Concepts | - Insurance principles and risk management
|
| State Law and Regulations | - Insurance producer regulations
|
| Accident and Health Insurance | - Policy provisions
|
Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:
1. The time when an insured must be disabled before becoming eligible for disability benefits is the:
A) Grace period
B) Contestability period
C) Benefit period
D) Elimination period
2. A company's universal life insurance policy must disclose the:
A) Meaning of a corridor
B) Maximum face amount an individual can purchase
C) Availability of riders
D) Surrender charges of the policy
3. Publishing a derogatory article about the financial condition of an insurer that is false and calculated to injure the insurer is an example of:
A) Intimidation
B) Extortion
C) Coercion
D) Defamation
4. The phrase, " this policy pays $1,800 for hospital room and board expenses, " should include the:
A) Maximum daily benefit and the minimum time limit for hospital room and board expenses
B) Maximum daily benefit and the maximum time limit for hospital room and board expenses
C) Minimum daily benefit and the minimum time limit for hospital room and board expenses
D) Minimum daily benefit and the maximum time limit for hospital room and board expenses
5. One premium payment covers which period of time in a single premium whole life policy?
A) One year
B) One month
C) To the insured's age 65
D) The full life of the policy
Solutions:
| Question # 1 Answer: D | Question # 2 Answer: D | Question # 3 Answer: D | Question # 4 Answer: B | Question # 5 Answer: D |
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