PERFECT OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER - OKLAHOMA LIFE, ACCIDENT, AND HEALTH OR SICKNESS PRODUCER EXAM LEAD2PASS

Perfect Ok-Life-Accident-and-Health-or-Sickness-Producer - Oklahoma Life, Accident, and Health or Sickness Producer Exam Lead2pass

Perfect Ok-Life-Accident-and-Health-or-Sickness-Producer - Oklahoma Life, Accident, and Health or Sickness Producer Exam Lead2pass

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q84-Q89):

NEW QUESTION # 84
Term life insurance differs from permanent life insurance in that MOST often, term life insurance

  • A. has a longer premium payment period.
  • B. accumulates a much smaller cash value.
  • C. remains in force for a specific period of time.
  • D. is automatically renewable at the end of the term period.

Answer: C

Explanation:
Term life insuranceprovides coverage for a specific period (e.g., 10, 20 years) and does not accumulate cash value, unlikepermanent life insurance(e.g., whole life), which provides lifelong coverage with cash value.
Term policies may be renewable, but this is not automatic unless specified, and premium payment periods are shorter than permanent policies (Title 36 O.S. § 4002).
* Option A: Incorrect. Term life accumulates no cash value, not a smaller amount.
* Option B: Incorrect. Term life has a shorter premium payment period than permanent life.
* Option C: Correct. Term life remains in force for a specific period, unlike lifelong permanent coverage.
* Option D: Incorrect. Renewal is not automatic; it depends on the policy's terms.
:
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 # 85
Under the Standard Nonforfeiture Law, any cash value accumulation MUST be made available to the policyowner if the policyowner

  • A. files for bankruptcy.
  • B. is not notified within 60 days of the contractual changes.
  • C. becomes disabled.
  • D. stops paying the premium.

Answer: D

Explanation:
TheStandard Nonforfeiture Law, codified in Oklahoma at Title 36 O.S. § 4029, requires life insurance policies with cash value to provide nonforfeiture benefits if the policyowner stops paying premiums. These benefits ensure the policyowner can access the accumulated cash value through options like a cash surrender value, extended term insurance, or reduced paid-up insurance, preventing total loss of the policy's value.
* Option A: Correct. If the policyowner stops paying premiums, the cash value must be made available per the nonforfeiture law.
* Option B: Incorrect. Contractual changes are governed by policy provisions, not nonforfeiture laws.
* Option C: Incorrect. Disability may trigger a waiver of premium rider, but it does not directly relate to nonforfeiture benefits.
* Option D: Incorrect. Bankruptcy does not trigger nonforfeiture benefits; it may involve creditor claims but is unrelated to premium cessation.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which includes nonforfeiture 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. § 4029 (standard nonforfeiture law).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 86
All documents required under law in an insurance transaction may be stored, delivered, or presented by electronic means so long as it meets the requirements of the

  • A. Oklahoma Insurance Commissioner.
  • B. Uniform Electronic Transaction Act.
  • C. Uniform Commercial Code.
  • D. National Association of Insurance Commissioners.

Answer: B

Explanation:
TheUniform Electronic Transactions Act (UETA)is a model law adopted by Oklahoma (codified in Title
12A O.S. § 15-101 et seq.) that governs the use of electronic records and signatures in transactions, including insurance. It allows insurance documents to be stored, delivered, or presented electronically, provided they meet UETA's requirements for consent, accessibility, and record retention. Oklahoma's Insurance Code incorporates these standards for electronic transactions in insurance.
* Option A: Incorrect. The Uniform Commercial Code (UCC) governs commercial transactions, such as sales of goods, not electronic insurance documents.
* Option B: Correct. The Uniform Electronic Transactions Act provides the legal framework for electronic insurance documents in Oklahoma.
* Option C: Incorrect. The Oklahoma Insurance Commissioner enforces regulations but does not set the legal standard for electronic transactions.
* Option D: Incorrect. The National Association of Insurance Commissioners (NAIC) develops model laws but does not directly govern Oklahoma's electronic transaction requirements.
This question is part of the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers Oklahoma's laws on insurance transactions.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: State- Specific Knowledge - Oklahoma Insurance Statutes).
Oklahoma Insurance Department, Title 12A O.S. § 15-101 et seq. (Uniform Electronic Transactions Act).
Oklahoma Insurance Department, Title 36 O.S. § 1204 (insurance business conduct).


NEW QUESTION # 87
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: B

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 # 88
A condition for which medical advice, diagnosis, care, or treatment was recommended or received during the
6 months immediately preceding the effective date of group health coverage is

  • A. preexisting condition.
  • B. affiliation period.
  • C. elimination period.
  • D. diagnosed condition.

Answer: A

Explanation:
Apreexisting conditionis defined in health insurance as a medical condition for which advice, diagnosis, care, or treatment was recommended or received within a specified period (commonly 6 months) before the effective date of coverage. In Oklahoma, group health insurance policies often include provisions limiting or excluding coverage for preexisting conditions for a certain period, as regulated by federal and state laws, including the Health Insurance Portability and Accountability Act (HIPAA).
* Option A: Incorrect. An elimination period is the waiting period before benefits begin, typically in disability or long-term care policies, not related to preexisting conditions.
* Option B: Incorrect. An affiliation period is a waiting period for late enrollees in HMOs under HIPAA, not tied to medical conditions.
* Option C: Incorrect. A diagnosed condition is not a standard insurance term; it does not specifically denote the timeframe of prior treatment like a preexisting condition.
* Option D: Correct. A preexisting condition matches the definition provided, as per Oklahoma and federal regulations.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers health insurance exclusions and limitations.
:
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. § 6060.4 (preexisting condition provisions).
HIPAA, 45 CFR § 144.103 (definition of preexisting condition).


NEW QUESTION # 89
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