VALID INSURANCE LICENSING OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER TEST PRACTICE - OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER EXAM QUESTIONS FEE

Valid Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Test Practice - Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Questions Fee

Valid Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Test Practice - Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Questions Fee

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q120-Q125):

NEW QUESTION # 120
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. Cost of living rider.
  • B. Impairment rider.
  • C. Guaranteed insurability rider.
  • D. Multiple indemnity rider.

Answer: C

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 # 121
A deliberate lie by an insured to the insurer to obtain a lower premium is an example of

  • A. concealment.
  • B. fraud.
  • C. omission.
  • D. aleatory.

Answer: B

Explanation:
A deliberate lie by an insured to obtain a lower premium constitutesfraud, defined in Oklahoma's Insurance Code (Title 36 O.S. § 1204) as an intentional misrepresentation of material facts to deceive the insurer. Fraud can lead to policy rescission or legal penalties.
* Option A: Incorrect. Omission is failing to disclose information, not actively lying.
* Option B: Correct. A deliberate lie to lower premiums is fraud.
* Option C: Incorrect. Concealment is withholding material information, not providing false information.
* Option D: Incorrect. Aleatory refers to the uncertain nature of insurance contracts, not misrepresentation.
:
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 (unfair trade practices).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 122
The act of using misrepresentation to induce an insured person to terminate an existing policy and purchase a new policy is referred to as

  • A. twisting.
  • B. subrogation.
  • C. churning.
  • D. rebating.

Answer: A

Explanation:
Twistingis the unethical practice of using misrepresentation or incomplete information to persuade an insured to terminate an existing policy and purchase a new one, often to the insured's detriment. It is prohibited under Oklahoma's Unfair Trade Practices Act (Title 36 O.S. § 1204). This differs fromchurning(replacing policies for commission without benefit to the insured) orrebating(offering inducements to purchase).
* Option A: Correct. Twisting involves misrepresentation to induce policy replacement.
* Option B: Incorrect. Subrogation is the insurer's right to recover payments from a third party.
* Option C: Incorrect. Rebating is offering a portion of the premium or other inducements to purchase insurance.
* Option D: Incorrect. Churning involves excessive policy replacements for commissions, not necessarily misrepresentation.
This question is part of the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers unfair trade practices.
:
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 (unfair trade practices).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 123
Upon receipt of notice of claim, the insurance company will furnish to the claimant such forms for filing proof of loss within how many days?

  • A. 0
  • B. 1
  • C. 2
  • D. 3

Answer: A

Explanation:
Under Oklahoma's Insurance Code (Title 36 O.S. § 1250.4), upon receiving notice of a claim, an insurer must furnish the claimant with forms for filing proof of loss within15 days. This ensures timely processing of claims and compliance with fair claims settlement practices.
* Option A: Incorrect. 10 days is not the required timeframe.
* Option B: Correct. Insurers must provide forms within 15 days.
* Option C: Incorrect. 20 days exceeds the statutory requirement.
* Option D: Incorrect. 30 days is too long under Oklahoma law.
:
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. § 1250.4 (claims settlement practices).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 124
Which of the following is NOT a right of the life insurance policyowner?

  • A. Select and change a beneficiary.
  • B. Borrow from the cash values.
  • C. Revoke an absolute assignment.
  • D. Assign or transfer the policy.

Answer: C

Explanation:
A life insurance policyowner has several rights, including assigning or transferring the policy (e.g., through absolute or collateral assignment), borrowing against the cash value (in policies with cash value), and selecting or changing the beneficiary, as outlined in Oklahoma's Insurance Code (Title 36 O.S. § 4001 et seq.). However, anabsolute assignmenttransfers all ownership rights to the assignee, and the original policyowner cannot unilaterally revoke it without the assignee's consent, as it is a complete transfer of ownership.
* Option A: Incorrect (is a right). The policyowner can assign or transfer the policy to another party.
* Option B: Incorrect (is a right). The policyowner can borrow against the cash value in policies like whole life or universal life.
* Option C: Incorrect (is a right). The policyowner can select and change the beneficiary unless restricted (e.g., irrevocable beneficiary).
* Option D: Correct (is not a right). An absolute assignment cannot be revoked by the original policyowner without the assignee's agreement.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers policyowner rights and assignments.
:
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. § 4001 et seq. (life insurance policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 125
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