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Ok-Life-Accident-and-Health-or-Sickness-Producer Test Dumps | Ok-Life-Accident-and-Health-or-Sickness-Producer Practice Test Pdf

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q19-Q24):

NEW QUESTION # 19
An alien insurer is which one of the following?

A. One formed under the laws of Oklahoma.
B. One formed under the laws of a state other than Oklahoma.
C. One formed under the laws of a country other than the United States of America.
D. One formed under the laws of a state geographically bordering Oklahoma.

Answer: C

Explanation:
Analien insurer, as defined in Oklahoma's Insurance Code (Title 36 O.S. § 105), is an insurance company formed under the laws of a country other than the United States. This distinguishes it from domestic insurers (formed in Oklahoma) and foreign insurers (formed in another U.S. state).
* Option A: Incorrect. An insurer formed in Oklahoma is a domestic insurer.
* Option B: Incorrect. An insurer formed in another U.S. state is a foreign insurer.
* Option C: Correct. An alien insurer is formed under the laws of a foreign country.
* Option D: Incorrect. Geographic proximity is irrelevant; the distinction is based on legal formation.
This question is part of the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers insurer classifications.
:
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. § 105 (definitions of insurers).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 20
Determining the appropriate coverage for an individual seeking long-term care insurance is

A. contestability.
B. accountability.
C. coinsurance.
D. suitability.

Answer: D

Explanation:
Suitabilityin long-term care (LTC) insurance involves assessing an individual's financial situation, health needs, and goals to determine the appropriate coverage, ensuring the policy meets their needs without being unaffordable or excessive. Oklahoma regulations (O.A.C. 365:10-5-40) emphasize suitability to protect consumers from inappropriate LTC products.
* Option A: Incorrect. Coinsurance is a cost-sharing mechanism, not about determining coverage.
* Option B: Correct. Suitability ensures the LTC policy is appropriate for the individual's needs.
* Option C: Incorrect. Contestability relates to the insurer's ability to contest claims, not coverage selection.
* Option D: Incorrect. Accountability is not a term for determining coverage appropriateness.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Long-Term Care Policies).
Oklahoma Insurance Department, O.A.C. 365:10-5-40 (LTC suitability standards).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 21
The insured is dissatisfied with the handling of a claim. How long does the insured have to bring a lawsuit against the insurer?

A. 5 years
B. 7 years
C. 3 years
D. 1 year

Answer: A

Explanation:
Under Oklahoma's statute of limitations for insurance contracts (Title 12 O.S. § 95), an insured has5 yearsto bring a lawsuit against an insurer for breach of contract, such as dissatisfaction with claim handling, unless the policy specifies a shorter period (minimum 1 year per Title 36 O.S. § 3617).
* Option A: Incorrect. 1 year is the minimum allowed by policy terms, not the general statute.
* Option B: Incorrect. 3 years applies to some torts, not insurance contracts.
* Option C: Correct. The statute of limitations is 5 years for insurance contract disputes.
* Option D: Incorrect. 7 years exceeds the standard limitation period.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: State- Specific Knowledge - Oklahoma Insurance Statutes).
Oklahoma Insurance Department, Title 12 O.S. § 95 (statute of limitations); Title 36 O.S. § 3617 (policy limitations).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 22
Under the Standard Nonforfeiture Law, any cash value accumulation MUST be made available to the policyowner if the policyowner

A. files for bankruptcy.
B. becomes disabled.
C. is not notified within 60 days of the contractual changes.
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 # 23
From an insured's perspective, what is the PRIMARY and MOST attractive feature of a viatical settlement?

A. Discounted premiums.
B. Policy assignment provisions.
C. Reduced prepayment of a death benefit.
D. Guaranteed renewability.

Answer: C

Explanation:
Aviatical settlementallows a terminally ill insured to sell their life insurance policy to a third party for a lump sum, typically less than the death benefit, to access funds during their lifetime. The primary and most attractive feature for the insured is receiving areduced prepayment of the death benefit, providing immediate cash for medical or personal needs, as regulated in Oklahoma (Title 36 O.S. § 4055.1 et seq.).
* Option A: Incorrect. Viatical settlements do not involve discounted premiums; the policy is sold.
* Option B: Correct. The reduced prepayment of the death benefit is the main benefit for the insured.
* Option C: Incorrect. Policy assignment is a mechanism, not the primary feature.
* Option D: Incorrect. Guaranteed renewability is unrelated to viatical settlements.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers viatical settlements.
:
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. § 4055.1 et seq. (viatical settlements).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 24
......

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