OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER EXAM TOPIC | NEW OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER EXAM TESTKING

Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Topic | New Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Testking

Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Topic | New Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Testking

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q31-Q36):

NEW QUESTION # 31
A new mother is guaranteed a 48-hour hospital stay after a regular delivery of a child under which federal law and regulations for group health insurance?

  • A. HIPAA.
  • B. Medicaid.
  • C. COBRA.
  • D. ERISA.

Answer: A

Explanation:
TheHealth Insurance Portability and Accountability Act (HIPAA)includes provisions from the Newborns' and Mothers' Health Protection Act (NMHPA) of 1996, which mandates that group health plans cannot restrict hospital stays for childbirth to less than 48 hours for a vaginal delivery or 96 hours for a cesarean section. This federal law applies to group health insurance plans in Oklahoma and ensures minimum coverage for maternity care.
* Option A: Incorrect. COBRA allows continuation of group health coverage after certain events but does not mandate maternity stay durations.
* Option B: Incorrect. Medicaid is a state-federal program for low-income individuals, not a law mandating hospital stays for childbirth.
* Option C: Correct. HIPAA, via the NMHPA, guarantees the 48-hour hospital stay for regular deliveries.
* Option D: Incorrect. ERISA governs employee benefit plans but does not specifically address maternity hospital stays.
This question is part of the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers federal and state laws affecting health 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. § 6060.9 (maternity benefits).
HIPAA, Newborns' and Mothers' Health Protection Act, 29 U.S.C. § 1185.


NEW QUESTION # 32
An individual who is NOT acceptable by an insurer at standard rates because of health, habits, or occupation is called a

  • A. preferred risk.
  • B. substandard risk.
  • C. standard risk.
  • D. rating risk.

Answer: B

Explanation:
In insurance underwriting, individuals are classified based on their risk profile. Asubstandard riskis an applicant who, due to health issues, hazardous habits (e.g., smoking), or high-risk occupations (e.g., stunt performer), cannot be insured at standard rates. These individuals may be offered coverage at higher premiums or with exclusions, as outlined in standard underwriting practices and Oklahoma's regulations (Title 36 O.S. § 1204).
* Option A: Incorrect. "Rating risk" is not a standard underwriting term.
* Option B: Incorrect. A standard risk qualifies for standard rates with average risk.
* Option C: Incorrect. A preferred risk qualifies for lower-than-standard rates due to low risk.
* Option D: Correct. A substandard risk is not acceptable at standard rates due to higher risk factors.
This question aligns with the Prometric content outline under "Underwriting," which covers risk classification.
:
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 # 33
One advantage of a whole life insurance policy is that it offers

  • A. Permanent coverage.
  • B. Liberal underwriting guidelines.
  • C. Variable premium amounts.
  • D. Initial lower premiums.

Answer: A

Explanation:
Awhole life insurance policyprovidespermanent coveragefor the insured's entire life, as long as premiums are paid, along with a guaranteed death benefit and cash value accumulation. This is a key advantage over term life, which is temporary. Whole life premiums are typically higher than term life, and underwriting guidelines or premium flexibility depend on the insurer, not the product itself.
* Option A: Incorrect. Underwriting guidelines vary by insurer, not by policy type.
* Option B: Incorrect. Whole life has higher initial premiums compared to term life.
* Option C: Incorrect. Whole life typically has fixed premiums, unlike universal life, which offers variable premiums.
* Option D: Correct. Permanent coverage is a primary advantage of whole life insurance.
This question falls under the Prometric content outline section on "Life Products," which covers the benefits 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 (life insurance products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 34
Ordinary life insurance should BEST be viewed by the consumer as

  • A. temporary protection during the policyowner's income-earning years with cash values payable during non-earning periods.
  • B. a type of policy that provides permanent protection and some flexibility for the lowest total premium outlay.
  • C. an endowment type of policy that provides limited payment type of life insurance based on the level of income earned.
  • D. temporary protection for the life expectancy of the policyowner with accumulating cash values throughout the life of the policy.

Answer: B

Explanation:
Ordinary life insurance, often synonymous with whole life insurance, 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 grows over time. It is designed to offer permanent protection with some flexibility, such as the ability to borrow against the cash value or adjust premiums in certain policies (e.g., universal life).
* Option A: Incorrect. This describes term life insurance, which provides temporary protection during income-earning years. Ordinary life insurance is permanent, and cash values are not specifically
"payable" during non-earning periods but can be accessed.
* Option B: Incorrect. Ordinary life is not an endowment policy (which matures at a specific age) or tied directly to income levels. It is a whole life policy with level premiums.
* Option C: Correct. Ordinary life insurance provides permanent protection and some flexibility (e.g., cash value loans, dividend options in participating policies) with premiums that are generally lower than other permanent products like limited-pay whole life.
* Option D: Incorrect. Ordinary life is not temporary; it provides lifelong coverage. While it accumulates cash value, the protection is permanent, not limited to the policyowner's life expectancy.
This question is part of the Prometric content outline under "Life Products," focusing on the characteristics of ordinary (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 # 35
Ann has a 5-year Renewable Term Life Insurance Policy. Upon exercising the renewable privilege, Ann MUST

  • A. pay an annual premium that may be higher.
  • B. provide evidence of insurability.
  • C. convert to a whole life policy.
  • D. renew for at least 10 years.

Answer: A

Explanation:
A renewable term life insurance policy allows the insured to renew the policy at the end of the term without providing evidence of insurability, typically for another term of the same duration. However, because the insured is older at renewal, the premium is generally higher due to increased risk. For a 5-year renewable term policy, Ann can renew for another 5-year term, but the premium will reflect her age at the time of renewal.
* Option A: Incorrect. Renewable term policies do not require evidence of insurability for renewal, as this is a key feature of the renewability provision.
* Option B: Incorrect. The renewal term is typically the same as the original term (5 years in this case), not a mandatory 10 years.
* Option C: Correct. The premium upon renewal may be higher because it is based on the insured's attained age, as outlined in standard term life insurance provisions.
* Option D: Incorrect. Renewal does not require conversion to a whole life policy; conversion is a separate option that may be available but is not mandatory.
This question aligns with the Prometric content outline under "Life Products," which covers the characteristics and provisions of term life insurance, including renewability.
:
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 # 36
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