OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER LATEST PRACTICE QUESTIONS, OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER RELEVANT EXAM DUMPS

Ok-Life-Accident-and-Health-or-Sickness-Producer Latest Practice Questions, Ok-Life-Accident-and-Health-or-Sickness-Producer Relevant Exam Dumps

Ok-Life-Accident-and-Health-or-Sickness-Producer Latest Practice Questions, Ok-Life-Accident-and-Health-or-Sickness-Producer Relevant Exam Dumps

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q53-Q58):

NEW QUESTION # 53
Transacting insurance includes any of the following EXCEPT

  • A. gathering prospective buyer information.
  • B. selling insurance.
  • C. preliminary negotiations.
  • D. delivering insurance contracts.

Answer: A

Explanation:
Under Oklahoma's Insurance Code (Title 36 O.S. § 1435.2),transacting insuranceincludes activities such as soliciting or selling insurance, engaging in preliminary negotiations for insurance contracts, and delivering insurance contracts or collecting premiums.Gathering prospective buyer information(e.g., lead generation) is not considered transacting insurance unless it involves direct solicitation or negotiation.
* Option A: Incorrect (is transacting). Selling insurance is a core part of transacting insurance.
* Option B: Incorrect (is transacting). Preliminary negotiations are included in transacting insurance.
* Option C: Incorrect (is transacting). Delivering insurance contracts is part of transacting insurance.
* Option D: Correct (is not transacting). Gathering prospective buyer information alone does not constitute transacting insurance.
This question falls under the Prometric content outline section on "State Insurance Statutes, Rules, and Regulations," which covers the definition of transacting insurance.
:
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. § 1435.2 (definition of transacting insurance).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 54
Laura has a group medical plan that has an 80% coinsurance provision but no deductible. She recently incurred a $1,000 medical bill. How much will Laura have to pay?

  • A. $800
  • B. $1,000
  • C. $0
  • D. $200

Answer: D

Explanation:
In a group medical plan with an80% coinsurance provisionand no deductible, the insurer pays 80% of covered medical expenses, and the insured pays the remaining 20%. For Laura's $1,000 medical bill, the insurer covers 80% ($1,000 × 0.80 = $800), and Laura pays 20% ($1,000 × 0.20 = $200). This calculation aligns with standard health insurance cost-sharing provisions in Oklahoma (Title 36 O.S. § 6060.3).
* Option A: Incorrect. Laura must pay her coinsurance share, not $0.
* Option B: Correct. Laura pays $200 (20% of $1,000).
* Option C: Incorrect. $800 is the insurer's share, not Laura's.
* Option D: Incorrect. Laura does not pay the full $1,000; she pays only her coinsurance portion.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Accident and Health Insurance).
Oklahoma Insurance Department, Title 36 O.S. § 6060.3 (health insurance policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 55
A form of an accelerated death benefit is a

  • A. home care benefit.
  • B. cost of living benefit.
  • C. terminal illness settlement benefit.
  • D. nonforfeiture extended term benefit.

Answer: C

Explanation:
Anaccelerated death benefit (ADB)provision allows an insured to receive a portion of the life insurance death benefit before death under specific conditions, such as aterminal illness. Theterminal illness settlement benefitis a form of ADB, providing funds for medical or personal needs, as regulated in Oklahoma (Title 36 O.S. § 4051).
* Option A: Incorrect. A home care benefit relates to long-term care, not ADB.
* Option B: Incorrect. A nonforfeiture extended term benefit is a policy lapse option, not an ADB.
* Option C: Correct. A terminal illness settlement benefit is a type of accelerated death benefit.
* Option D: Incorrect. A cost of living benefit adjusts benefits for inflation, not an ADB.
:
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. § 4051 (accelerated benefits).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 56
Disability policies MOST often pay benefits in the form of

  • A. a lump sum reimbursement for wages lost.
  • B. an annuity.
  • C. a lump sum payment based on projected income.
  • D. periodic income.

Answer: D

Explanation:
Disability income insurance policies are designed to replace a portion of the insured's income if they become disabled and unable to work. These policiesmost often pay benefits in the form of periodic income, typically monthly, to provide ongoing financial support during the disability period, as outlined in Oklahoma' s health insurance regulations (Title 36 O.S. § 4405). Lump sum payments or annuities are less common and usually associated with other types of coverage.
* Option A: Incorrect. Annuities provide retirement income, not disability benefits.
* Option B: Correct. Disability policies typically pay periodic (e.g., monthly) income.
* Option C: Incorrect. Lump sum reimbursements are rare in disability policies; periodic payments are standard.
* Option D: Incorrect. Lump sum payments based on projected income are not typical for disability insurance.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Accident and Health Insurance).
Oklahoma Insurance Department, Title 36 O.S. § 4405 (health insurance provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 57
Under a group life policy, the policyowner is entitled to a grace period of 31 days for the payment of any premium due EXCEPT the first. During the grace period, the death benefit coverage shall

  • A. be 50%.
  • B. be 75%.
  • C. continue in force.
  • D. be discontinued.

Answer: C

Explanation:
Under Oklahoma insurance law and standard group life insurance provisions, a group life policy includes a mandatory grace period of 31 days for the payment of premiums (except the first premium, which must be paid to initiate coverage). During this grace period, the policy remains in force, and the full death benefit is payable if the insured dies, provided the premium is eventually paid or the policy has not lapsed.
* Option A: Incorrect. Coverage is not discontinued during the grace period; it continues to protect the insured.
* Option B: Incorrect. The death benefit is not reduced to 50% during the grace period; it remains at
100% of the policy's face amount.
* Option C: Correct. The death benefit coverage continues in force during the 31-day grace period, as mandated by Oklahoma law.
* Option D: Incorrect. The death benefit is not reduced to 75%; it remains fully in effect.
This provision is outlined in Oklahoma statutes and aligns with the Prometric exam content outline under
"Provisions, Options, Exclusions, Riders, Clauses, and Rights," which includes knowledge of grace periods in group life policies.
:
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. § 4105 (grace period requirements for group life insurance).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 58
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