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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q103-Q108):

NEW QUESTION # 103
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. churning.
C. subrogation.
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 # 104
Which of the following is an ADVANTAGE to the policyowner of the recurrent periods of disability provision in the disability income policy?

A. It reduces the annual premium amount.
B. It protects the insured from multiple elimination periods.
C. It reduces the actual period of disability.
D. It improves the insurability of the applicant.

Answer: B

Explanation:
Therecurrent periods of disability provisionin a disability income policy allows related or recurring disabilities within a specified timeframe (e.g., 6 months) to be treated as a single disability period. This protects the insured from serving multipleelimination periods(the waiting period before benefits begin), ensuring faster benefit payments for recurrent conditions, as per standard disability policy provisions in Oklahoma (Title 36 O.S. § 4405).
* Option A: Incorrect. The provision does not reduce premiums; it affects benefit timing.
* Option B: Correct. It protects the insured from multiple elimination periods for recurrent disabilities.
* Option C: Incorrect. The provision does not impact insurability; it's a policy feature.
* Option D: Incorrect. It does not reduce the disability period; it simplifies benefit access.
:
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. § 4405 (health insurance provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 105
A type of life insurance policy which provides for the payment of the face amount at the end of the specified period if the insured is still alive, is

A. a universal life insurance policy.
B. a modified life insurance policy.
C. a juvenile trust.
D. an endowment policy.

Answer: D

Explanation:
Anendowment policyis a life insurance product that pays the face amount to the insured if they are alive at the end of a specified period (maturity) or to the beneficiary if the insured dies before maturity. It combines life insurance with a savings component, as defined in Oklahoma's life insurance regulations (Title 36 O.S. §
4002).
* Option A: Incorrect. Universal life is flexible permanent insurance, not tied to a specific maturity payout.
* Option B: Incorrect. Modified life has lower initial premiums, not a maturity payout feature.
* Option C: Correct. An endowment policy pays the face amount at maturity if the insured is alive.
* Option D: Incorrect. A juvenile trust is not a life insurance policy type; it's a financial arrangement.
:
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 # 106
Spouses want to purchase a life insurance policy that will pay benefits at the death of the first spouse. This is an example of a

A. survivorship life policy.
B. variable life policy.
C. universal life policy.
D. joint life policy.

Answer: D

Explanation:
Ajoint life policy(also called a first-to-die policy) covers two or more individuals (e.g., spouses) and pays the death benefit upon the death of the first insured. This contrasts with asurvivorship life policy(second-to-die), which pays after both insureds die. Joint life policies are used for purposes like mortgage protection or family income needs (Title 36 O.S. § 4002).
* Option A: Correct. A joint life policy pays benefits at the first spouse's death.
* Option B: Incorrect. A variable life policy is a permanent policy with investment options, not tied to joint coverage.
* Option C: Incorrect. A universal life policy is flexible permanent insurance, not specifically joint.
* Option D: Incorrect. A survivorship life policy pays after both spouses die.
:
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 # 107
In addition to the application, MIB, or consumer reports, underwriters can acquire information from all of the following EXCEPT

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

Answer: A

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 # 108
......

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Tim King Tim King

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