GET HELP FROM REAL AND EXPERTS VERIFIED PASSEXAMDUMPS OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER EXAM DUMPS

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q32-Q37):

NEW QUESTION # 32
Under a Long-Term Care policy, all of the following are Activities of Daily Living EXCEPT

  • A. talking.
  • B. dressing.
  • C. toileting.
  • D. eating.

Answer: A

Explanation:
Long-Term Care (LTC) policies cover services for individuals who need assistance withActivities of Daily Living (ADLs), which are basic self-care tasks. Oklahoma regulations (O.A.C. 365:10-5-44) and federal standards define ADLs as including dressing, eating, toileting, bathing, transferring, and continence.Talkingis not considered an ADL, as it is not a fundamental self-care activity.
* Option A: Incorrect. Dressing is an ADL.
* Option B: Correct. Talking is not an ADL.
* Option C: Incorrect. Eating is an ADL.
* Option D: Incorrect. Toileting is an ADL.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Long-Term Care Policies).
Oklahoma Insurance Department, O.A.C. 365:10-5-44 (LTC policy standards).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 33
An insured individual takes out a life insurance policy on himself and commits suicide 13 months later. Since the policy has an expressed provision limiting the liability of the insurer against suicide, the insurer is

  • A. liable for the full value of the policy if the insured individual was proven to be insane at the time of his death.
  • B. obligated to reimburse the amount of the premiums paid for the policy.
  • C. liable to pay the full value of the policy.
  • D. not liable to make any payouts on the policy.

Answer: D

Explanation:
Most life insurance policies include asuicide clause, typically lasting 2 years in Oklahoma (Title 36 O.S. §
4004), which limits the insurer's liability if the insured commits suicide within that period. If suicide occurs within the clause's timeframe (e.g., 13 months), the insurer is generally not liable to pay the death benefit and instead refunds the premiums paid. However, the question emphasizes the policy's expressed provision limiting liability, suggesting no payout beyond premiums, making "not liable to make any payouts" the most accurate choice. Insanity is not a standard exception unless specified.
* Option A: Incorrect. While premium refunds are common, the question emphasizes no payouts, aligning with the provision's limit.
* Option B: Correct. The insurer is not liable to make any payouts due to the suicide clause.
* Option C: Incorrect. The full value is not paid within the suicide clause period.
* Option D: Incorrect. Insanity is not a standard exception in suicide clauses unless explicitly stated.
:
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 (suicide clause provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 34
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 needed to terminate the policy.
  • B. premiums due if the premium has not been paid by the end of the grace period.
  • 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: B

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 # 35
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. $200
  • B. $1,000
  • C. $0
  • D. $800

Answer: A

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 # 36
An agent's underwriting duties include which of the following?

  • A. Issuing the policy.
  • B. Completing all applications and collecting initial premiums.
  • C. Setting premium amounts.
  • D. Declining or accepting an application.

Answer: B

Explanation:
An insurance agent, acting as afield underwriter, is responsible forcompleting applications accuratelyand collecting initial premiums, ensuring the information provided is truthful and complete for the insurer's underwriting process, as per Oklahoma's regulations (Title 36 O.S. § 1435.2). Setting premiums, accepting
/declining applications, and issuing policies are duties of the insurer's underwriting department, not the agent.
* Option A: Incorrect. Setting premiums is the insurer's responsibility, not the agent's.
* Option B: Correct. Agents complete applications and collect initial premiums as part of field underwriting.
* Option C: Incorrect. Declining or accepting applications is done by the insurer's underwriters.
* Option D: Incorrect. Issuing policies is the insurer's role, not the agent's.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Underwriting).
Oklahoma Insurance Department, Title 36 O.S. § 1435.2 (producer responsibilities).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 37
......

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