TRUSTABLE INSURANCE LICENSING - OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER - VALID OKLAHOMA LIFE, ACCIDENT, AND HEALTH OR SICKNESS PRODUCER EXAM EXAM LABS

Trustable Insurance Licensing - Ok-Life-Accident-and-Health-or-Sickness-Producer - Valid Oklahoma Life, Accident, and Health or Sickness Producer Exam Exam Labs

Trustable Insurance Licensing - Ok-Life-Accident-and-Health-or-Sickness-Producer - Valid Oklahoma Life, Accident, and Health or Sickness Producer Exam Exam Labs

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q98-Q103):

NEW QUESTION # 98
An accelerated death benefit provision allows a portion of the death benefits to be paid to the insured prior to death if the insured

  • A. has reached retirement age.
  • B. has a terminal illness.
  • C. becomes disabled.
  • D. has a dependent with a serious illness.

Answer: B

Explanation:
Anaccelerated death benefit (ADB)provision, regulated in Oklahoma (Title 36 O.S. § 4051), allows an insured with aterminal illness(typically with a life expectancy of 12-24 months) to receive a portion of the life insurance death benefit before death. This provides funds for medical or personal expenses during the insured's lifetime.
* Option A: Incorrect. Disability may trigger other riders (e.g., waiver of premium), not ADB.
* Option B: Correct. A terminal illness qualifies for accelerated death benefits.
* Option C: Incorrect. Reaching retirement age does not trigger ADB.
* Option D: Incorrect. A dependent's illness is not a qualifying condition for ADB.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers accelerated death benefits.
:
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 # 99
Which of the following provisions allows a person to temporarily give up a portion of their ownership rights to secure a loan?

  • A. Automatic premium loan.
  • B. Collateral assignment.
  • C. Reinstatement.
  • D. Entire contract.

Answer: B

Explanation:
A collateral assignment is a provision in a life insurance policy that allows the policyowner to temporarily transfer certain ownership rights (e.g., the right to the death benefit or cash value) to a creditor as security for a loan. The assignee (creditor) has a claim to the policy proceeds up to the loan amount, but the policyowner retains other rights and regains full ownership once the loan is repaid.
* Option A: Incorrect. Reinstatement allows a lapsed policy to be restored under certain conditions, not related to securing a loan.
* Option B: Incorrect. The entire contract provision defines the policy and application as the complete agreement, not related to loans.
* Option C: Correct. Collateral assignment temporarily assigns policy rights to secure a loan, as per standard life insurance provisions.
* Option D: Incorrect. An automatic premium loan uses the policy's cash value to pay overdue premiums, not to secure an external loan.
This question is part of the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers ownership and assignment provisions.
:
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 # 100
How does a survivorship life policy payout?

  • A. upon the death of the first insured
  • B. upon attainment of a fixed age
  • C. upon the death of the last surviving insured
  • D. upon granting of a divorce decree

Answer: C

Explanation:
Asurvivorship life policy(second-to-die insurance) covers two or more individuals (typically spouses) and pays the death benefitupon the death of the last surviving insured. It is often used for estate planning, as defined in Oklahoma's life insurance regulations (Title 36 O.S. § 4002). This contrasts with a joint life policy, which pays on the first death.
* Option A: Incorrect. Payout is not tied to a fixed age but to the last insured's death.
* Option B: Incorrect. Divorce does not trigger a payout; it may affect ownership or beneficiaries.
* Option C: Incorrect. Payout occurs on the last insured's death, not the first.
* Option D: Correct. The policy pays upon the death of the last surviving insured.
:
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 (life insurance products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 101
In addition to the application, MIB, or consumer reports, underwriters can acquire information from all of the following EXCEPT

  • A. attending physician statements.
  • B. genetic testing.
  • C. medical questionnaires.
  • D. physical examinations.

Answer: B

Explanation:
Underwriters use various sources to assess an applicant's risk, including the application, Medical Information Bureau (MIB) reports, consumer reports, medical questionnaires, attending physician statements (APS), and physical examinations, as permitted under Oklahoma's underwriting practices (Title 36 O.S. § 1204).
However,genetic testingis generally restricted or prohibited for life and health insurance underwriting due to federal and state laws, such as the Genetic Information Nondiscrimination Act (GINA) of 2008, which limits the use of genetic information in health insurance decisions.
* Option A: Incorrect. Medical questionnaires are a standard underwriting tool.
* Option B: Incorrect. Attending physician statements provide medical history and are commonly used.
* Option C: Incorrect. Physical examinations are often required for underwriting.
* Option D: Correct. Genetic testing is typically not allowed for underwriting due to legal restrictions.
:
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).
Genetic Information Nondiscrimination Act (GINA), 42 U.S.C. § 2000ff et seq.
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 102
All of the following describe a whole life policy EXCEPT

  • A. premiums are payable until death.
  • B. provides coverage for the life of the policyholder.
  • C. provides a death benefit only.
  • D. a policy of $1,000 minimum.

Answer: D

Explanation:
A whole life insurance policy is a type of permanent life insurance that provides coverage for the insured's entire life, as long as premiums are paid. It typically includes a level premium, a guaranteed death benefit, and a cash value component that accumulates over time. There is no regulatory requirement in Oklahoma or standard insurance practice that mandates a minimum face amount of $1,000 for whole life policies, making this statement incorrect.
* Option A: Correct (as the exception). Whole life policies do not require a $1,000 minimum face amount; insurers set minimums based on their underwriting guidelines, often higher.
* Option B: Incorrect (describes whole life). Whole life provides lifelong coverage, as per its definition.
* Option C: Incorrect (describes whole life). Premiums are typically payable until death or age 100, depending on the policy.
* Option D: Incorrect (describes whole life). While whole life provides a death benefit, it also accumulates cash value, but the phrasing "death benefit only" is misleading as it implies no cash value, which is not the exception here.
This question aligns with the Prometric content outline under "Life Products," which covers the characteristics of 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 # 103
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