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DumpsMaterials Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer exam practice questions and answers

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q128-Q133):

NEW QUESTION # 128
When would a supplemental attending physician's statement be appropriate for life or health insurance purposes?

A. As a matter of routine when the applicant signs the life insurance application.
B. At the request of the insurance applicant to be submitted with the life insurance application.
C. At the request of the insurance company without knowledge or approval of the applicant.
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 # 129
Which one of the following types of benefits is often excluded from coverage under an HMO plan?

A. In-patient surgeries.
B. Out-of-area emergency services.
C. Physical examinations.
D. Adult routine eye examinations.

Answer: D

Explanation:
Health Maintenance Organizations (HMOs) focus on preventive and essential medical care within a network.
Adult routine eye examinationsare often excluded from HMO coverage, as they are considered non- essential or covered under separate vision plans. Other services like emergency care, physical exams, and surgeries are typically covered, as per Oklahoma's managed care regulations (Title 36 O.S. § 652 et seq.).
* Option A: Incorrect. Out-of-area emergency services are generally covered by HMOs.
* Option B: Correct. Adult routine eye examinations are often excluded or require separate coverage.
* Option C: Incorrect. Physical examinations are typically covered as preventive care.
* Option D: Incorrect. In-patient surgeries are covered as essential medical services.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Health Providers and Products).
Oklahoma Insurance Department, Title 36 O.S. § 652 et seq. (managed care plans).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 130
If Janet purchases a 10-year level term life insurance policy with a face amount of $100,000, which of the following is TRUE?

A. The premium and the face amount will remain constant for the 10-year period.
B. The face amount will remain constant as the premium increases over the 10-year period.
C. The face amount will increase as dividends on the policy accumulate over the 10-year period.
D. The policy will be converted to a whole life policy at the end of the 10-year period.

Answer: A

Explanation:
A10-year level term life insurance policyhas a fixed premium and a fixed face amount (death benefit) for the entire 10-year term. The premium and death benefit remain constant, and there is no cash value or dividend accumulation, as term life is not a participating policy.
* Option A: Incorrect. Conversion to whole life is an optional rider, not automatic at the end of the term.
* Option B: Incorrect. In a level term policy, the premium does not increase during the term; it remains constant.
* Option C: Incorrect. Term life policies do not pay dividends or accumulate cash value, so the face amount does not increase.
* Option D: Correct. Both the premium and the $100,000 face amount remain constant for the 10-year term.
This question falls under the Prometric content outline section on "Life Products," which covers term life insurance characteristics.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Life Insurance).
Oklahoma Insurance Department, Title 36 O.S. § 4002 (definitions of life insurance products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 131
In a life insurance cash value policy, the automatic premium loan provision authorizes the insurance company to withdraw from the policy's cash values the amount of

A. premiums due if the premium has not been paid by the end of the grace period.
B. premiums needed to terminate the policy.
C. any outstanding loans from any policies insured with the same insurance company.
D. interest owed by the insured on outstanding policy loan amounts not repaid at the policy's maturity date.

Answer: A

Explanation:
Theautomatic premium loan (APL)provision in a life insurance policy with cash value allows the insurer to automatically borrow from the policy's cash value to pay overdue premiums if the policyowner fails to pay by the end of the grace period (typically 31 days, per Title 36 O.S. § 4005). This prevents the policy from lapsing, provided sufficient cash value is available.
* Option A: Incorrect. The APL provision does not cover loans from other policies.
* Option B: Correct. The APL provision authorizes withdrawal to pay premiums due at the end of the grace period.
* Option C: Incorrect. The APL provision prevents termination, not facilitates it.
* Option D: Incorrect. Interest on policy loans is separate and not covered by the APL provision.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers automatic premium 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. § 4005 (grace period and related provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 132
Term life insurance is more appropriate than whole life insurance when the

A. insured needs low cost permanent life insurance protection.
B. maximum protection is needed, but the insured cannot afford premium payments for permanent insurance.
C. policyowner wants to borrow against the life insurance policy values.
D. policyowner desires an accumulation of cash values.

Answer: B

Explanation:
Term life insuranceprovides coverage for a specific period (e.g., 10, 20 years) at a lower premium cost than whole life insurance, making it ideal for individuals needing maximum death benefit protection but unable to afford the higher premiums of permanent insurance. Unlike whole life, term life does not accumulate cash value or allow policy loans.
* Option A: Incorrect. Borrowing against policy values requires cash value, available in whole life, not term life.
* Option B: Incorrect. Cash value accumulation is a feature of whole life, not term life.
* Option C: Correct. Term life is appropriate for maximum protection at a lower cost when permanent insurance premiums are unaffordable.
* Option D: Incorrect. Term life is not permanent insurance; whole life provides permanent coverage.
This question falls under the Prometric content outline section on "Life Products," which covers the suitability of term versus whole life insurance.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Life Insurance).
Oklahoma Insurance Department, Title 36 O.S. § 4002 (definitions of life insurance products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 133
......

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