VALID EXAM OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER PRACTICE, OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER ACTUAL TEST

Valid Exam Ok-Life-Accident-and-Health-or-Sickness-Producer Practice, Ok-Life-Accident-and-Health-or-Sickness-Producer Actual Test

Valid Exam Ok-Life-Accident-and-Health-or-Sickness-Producer Practice, Ok-Life-Accident-and-Health-or-Sickness-Producer Actual Test

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q89-Q94):

NEW QUESTION # 89
In regards to advertising, insurers are responsible for which of the following?

  • A. maintaining control over the cost of delivery.
  • B. maintaining control over the cost of production.
  • C. maintaining control of communications between agents.
  • D. maintaining control over content and form.

Answer: D

Explanation:
Under Oklahoma insurance regulations (Title 36 O.S. § 1204 and O.A.C. 365:10-3-10), insurers are responsible for ensuring that all advertising materials comply with state laws, including maintaining control over thecontent and formto prevent misleading or deceptive practices. This includes ensuring advertisements are truthful, not disparaging, and compliant with regulatory standards.
* Option A: Correct. Insurers must control the content and form of advertising to ensure compliance.
* Option B: Incorrect. The cost of delivery is not a regulatory responsibility of insurers.
* Option C: Incorrect. The cost of production is an internal business matter, not a regulatory requirement.
* Option D: Incorrect. Communications between agents are not directly related to advertising content control.
This question is part of the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers advertising regulations.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: State- Specific Knowledge - Oklahoma Insurance Statutes).
Oklahoma Insurance Department, Title 36 O.S. § 1204; O.A.C. 365:10-3-10 (advertising rules).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 90
Which life insurance rider is designed to permit young individuals to be able to purchase additional insurance as they grow older, regardless of insurability?

  • A. Impairment rider.
  • B. Multiple indemnity rider.
  • C. Cost of living rider.
  • D. Guaranteed insurability rider.

Answer: D

Explanation:
Theguaranteed insurability riderallows the insured, typically younger individuals, to purchase additional life insurance at specified future dates or life events (e.g., marriage, childbirth) without proving insurability, ensuring coverage despite health changes. This is a common rider in life insurance policies (Title 36 O.S. §
4001 et seq.).
* Option A: Incorrect. A cost of living rider adjusts the death benefit for inflation, not additional coverage.
* Option B: Correct. The guaranteed insurability rider allows additional insurance without insurability proof.
* Option C: Incorrect. An impairment rider excludes specific conditions, not related to additional coverage.
* Option D: Incorrect. A multiple indemnity rider increases benefits for accidental death, not additional coverage.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Life Insurance Riders).
Oklahoma Insurance Department, Title 36 O.S. § 4001 et seq. (life insurance provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 91
To apply for a life or health insurance policy,

  • A. all possible serious medical conditions must be diagnosed and recorded.
  • B. a physical examination must be performed by a licensed physician.
  • C. the insured must report all information about family illnesses.
  • D. the insured individual's medical history may be reviewed and reported.

Answer: D

Explanation:
When applying for a life or health insurance policy in Oklahoma, the insurer's underwriting process typically involves reviewing the applicant'smedical historyto assess risk, as permitted under Title 36 O.S. § 1204. This may include questions about personal and family health, but not all family illnesses need to be reported unless specifically requested. Physical examinations are not always required, and undiagnosed conditions are not expected to be recorded; the applicant must disclose known conditions truthfully.
* Option A: Incorrect. Reporting all family illnesses is not mandatory unless relevant to underwriting questions.
* Option B: Incorrect. A physical exam is not always required; it depends on the insurer's underwriting guidelines.
* Option C: Incorrect. Undiagnosed conditions cannot be recorded; only known conditions are reported.
* Option D: Correct. The insured's medical history may be reviewed and reported during underwriting.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Underwriting).
Oklahoma Insurance Department, Title 36 O.S. § 1204 (insurance business conduct).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 92
A policyowner purchased a whole life policy. How long after purchase can the policyowner borrow against the cash value of the policy?

  • A. never
  • B. 2 years
  • C. 3 years
  • D. 1 year

Answer: D

Explanation:
Whole life insurance policies accumulate cash value over time, which policyowners can borrow against.
Typically, cash value begins to accrue immediately, but sufficient value for a loan is often available after1 year, depending on the policy's terms and premium payments. Oklahoma law (Title 36 O.S. § 4029) requires nonforfeiture benefits, including access to cash value, but does not specify a minimum time; insurer practices generally allow loans after 1 year when cash value is meaningful.
* Option A: Incorrect. Policyowners can borrow against cash value once it accumulates.
* Option B: Correct. Loans are typically available after 1 year, as cash value is sufficient.
* Option C: Incorrect. 2 years is not a standard requirement; loans are often available sooner.
* Option D: Incorrect. 3 years is excessive; most policies allow loans earlier.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers cash value loans.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Life Insurance Provisions).
Oklahoma Insurance Department, Title 36 O.S. § 4029 (nonforfeiture benefits).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 93
Which of the following is a core benefit of Medicare supplemental insurance?

  • A. Basic drugs limit of $1,250.
  • B. First 3 pints of blood each year.
  • C. At-home recovery.
  • D. Preventive care.

Answer: B

Explanation:
Medicare supplemental insurance(Medigap) covers gaps in Original Medicare (Parts A and B), such as deductibles, coinsurance, and certain costs not covered by Medicare. A core benefit, included in most Medigap plans (e.g., Plans A-N), is coverage for thefirst 3 pints of bloodeach year, which Medicare Part A does not cover. Other options like at-home recovery or prescription drugs are not core benefits, and preventive care is covered by Medicare, not Medigap.
* Option A: Correct. The first 3 pints of blood is a core Medigap benefit.
* Option B: Incorrect. At-home recovery is not a standard core benefit in most Medigap plans.
* Option C: Incorrect. Prescription drug coverage is not a core Medigap benefit; it's covered by Medicare Part D.
* Option D: Incorrect. Preventive care is covered by Medicare Part B, not a core Medigap benefit.
This question falls under the Prometric content outline section on "Medicare," which covers Medigap benefits.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Medicare).
Oklahoma Insurance Department, Title 36 O.S. § 6217 (Medicare supplement insurance).
CMS, Medicare & You Handbook (Medigap benefits).


NEW QUESTION # 94
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