HOW TO PREPARE FOR OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER OKLAHOMA LIFE, ACCIDENT, AND HEALTH OR SICKNESS PRODUCER EXAM?

How to Prepare For Ok-Life-Accident-and-Health-or-Sickness-Producer Oklahoma Life, Accident, and Health or Sickness Producer Exam?

How to Prepare For Ok-Life-Accident-and-Health-or-Sickness-Producer Oklahoma Life, Accident, and Health or Sickness Producer Exam?

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q146-Q151):

NEW QUESTION # 146
Transacting insurance includes any of the following EXCEPT

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

Answer: B

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 # 147
One area in which errors are commonly made on life insurance applications and for which the incontestable clause does NOT apply is

  • A. state of residence.
  • B. occupation.
  • C. age.
  • D. education level.

Answer: C

Explanation:
Theincontestable clausein life insurance policies, mandated in Oklahoma (Title 36 O.S. § 4004), prevents the insurer from contesting the policy after a specified period (typically 2 years) except for non-payment of premiums. However, errors inageor sex on the application are an exception; insurers can adjust the death benefit or premiums to reflect the correct age, even after the incontestable period, as these errors affect the policy's pricing. Other factors like occupation, education, or residence do not typically have this exception.
* Option A: Incorrect. Errors in occupation are contestable within the 2-year period but not after.
* Option B: Correct. Errors in age are not covered by the incontestable clause and can lead to adjustments.
* Option C: Incorrect. Education level is not typically material to life insurance underwriting.
* Option D: Incorrect. State of residence errors are not an exception to the incontestable clause.
:
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. § 4004 (incontestability provision).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 148
Benefits required under the child immunization coverage shall NOT be subject to

  • A. a set immunization schedule.
  • B. a deductible.
  • C. an annual maximum number of immunizations.
  • D. a prior authorization.

Answer: D

Explanation:
Oklahoma insurance regulations mandate that health insurance policies providing child immunization coverage must not impose certain restrictions that could limit access to these benefits. Specifically, the Oklahoma Insurance Code, Title 36 O.S. § 6060.3, states that "benefits for immunizations required under child immunization coverage shall not be subject to prior authorization requirements." This ensures that children can receive necessary immunizations without delays caused by insurer approval processes.
The Oklahoma Life, Accident, and Health or Sickness Producer Study Guide further clarifies, "Child immunization benefits must be provided without prior authorization to promote timely access to preventive care. However, benefits may still follow a recommended immunization schedule or be subject to other policy terms like deductibles, unless otherwise specified." Options A, B, and D are not explicitly prohibited under the law, making option C the correct answer.
References:
Oklahoma Insurance Code, Title 36 O.S. § 6060.3 (Child Immunization Coverage).
Oklahoma Life, Accident, and Health or Sickness Producer Study Guide, Section on Health Insurance Benefits and Mandates.


NEW QUESTION # 149
Upon surrender of a whole life insurance policy, which has been in force for AT LEAST 3 full years, and within 60 days after the date the premium payment is due and unpaid, the insurer will

  • A. reimburse all paid premiums.
  • B. refund premium.
  • C. extend the grace period.
  • D. pay a cash surrender value.

Answer: D

Explanation:
Under Oklahoma's Standard Nonforfeiture Law (Title 36 O.S. § 4029), a whole life insurance policy in force for at least 3 years that is surrendered due to non-payment of premiums within 60 days of the due date entitles the policyowner to acash surrender value, provided sufficient cash value has accumulated. This is one of the nonforfeiture options, alongside extended term or reduced paid-up insurance.
* Option A: Correct. The insurer pays a cash surrender value upon surrender.
* Option B: Incorrect. The grace period (typically 31 days) cannot be extended beyond policy terms.
* Option C: Incorrect. Reimbursing all premiums is not a nonforfeiture option.
* Option D: Incorrect. Refunding the premium is not applicable; cash value is paid.
:
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 law).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 150
When would a supplemental attending physician's statement be appropriate for life or health insurance purposes?

  • A. At the request of the insurance company without knowledge or approval of the applicant.
  • B. At the request of the insurance applicant to be submitted with the life insurance application.
  • C. As a matter of routine when the applicant signs the life insurance application.
  • D. At the request of the insurance company when it could affect the underwriting decision but with the consent of the applicant.

Answer: D

Explanation:
Asupplemental attending physician's statement (APS)is requested by the insurer during underwriting when additional medical information is needed to assess the applicant's risk, particularly if it could affect the underwriting decision. Oklahoma regulations (Title 36 O.S. § 1204) and HIPAA require the applicant's consent for obtaining medical records, ensuring privacy and transparency.
* Option A: Incorrect. An APS is not routine; it's requested based on specific needs.
* Option B: Incorrect. The applicant's consent is required for medical information requests.
* Option C: Incorrect. Applicants typically do not request an APS; insurers do.
* Option D: Correct. An APS is appropriate when requested by the insurer with the applicant's consent for underwriting purposes.
:
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 # 151
......

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