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Ok-Life-Accident-and-Health-or-Sickness-Producer Study Materials Review - Ok-Life-Accident-and-Health-or-Sickness-Producer Related Certifications

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q146-Q151):

NEW QUESTION # 146
When a life insurance or annuity replacement policy is sold, the policyowner has a right to return the policy for a full refund of premium within

A. 7 days.
B. 14 days.
C. 3 days.
D. 20 days.

Answer: D

Explanation:
Oklahoma regulations (O.A.C. 365:10-3-16) provide afree-look periodfor life insurance or annuity replacement policies, allowing the policyowner to return the policy for afull refund of premiumwithin20 daysfrom receipt. This extended period for replacements (compared to 10 days for non-replacement policies) ensures consumers can review the new policy and compare it to the replaced one.
* Option A: Incorrect. 3 days is too short for the free-look period.
* Option B: Incorrect. 7 days is not the required timeframe.
* Option C: Incorrect. 14 days is shorter than the replacement free-look period.
* Option D: Correct. The free-look period for replacement policies is 20 days.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Considerations in Replacing Insurance).
Oklahoma Insurance Department, O.A.C. 365:10-3-16 (replacement regulations).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 147
All of the following are DISADVANTAGES of replacing an older health policy EXCEPT

A. proving insurability.
B. preexisting conditions.
C. the old policy does not meet policyowner's needs.
D. a new contestability period.

Answer: C

Explanation:
Replacing an older health insurance policy involves terminating an existing policy and purchasing a new one, which can have disadvantages such as proving insurability (new underwriting), a new contestability period (typically 2 years for misstatements), and potential exclusions for preexisting conditions under the new policy, as regulated in Oklahoma (O.A.C. 365:10-3-16). However, if the old policy no longer meets the policyowner' s needs, replacing it is an advantage, not a disadvantage.
* Option A: Incorrect (is a disadvantage). Proving insurability may result in higher premiums or denial.
* Option B: Incorrect (is a disadvantage). A new contestability period restarts the insurer's ability to contest claims.
* Option C: Incorrect (is a disadvantage). Preexisting conditions may face new exclusions or waiting periods.
* Option D: Correct (is not a disadvantage). Replacing a policy that doesn't meet needs is a benefit of replacement.
This question aligns with the Prometric content outline under "Considerations in Replacing Insurance," which covers the implications of policy replacement.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Considerations in Replacing Insurance).
Oklahoma Insurance Department, O.A.C. 365:10-3-16 (replacement regulations).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 148
The elimination period in an individual disability insurance policy refers to the

A. amount of time a disabled person must wait before benefits are paid.
B. point in time when benefits are exhausted.
C. period of time that benefits are still payable after an insurance company discontinues a policy.
D. length of time a policy will continue to pay for specific disabilities.

Answer: A

Explanation:
The elimination period in an individual disability insurance policy is the waiting period between the onset of a disability and the time when benefit payments begin. It is essentially a deductible in time, during which the insured must be disabled before receiving benefits. This period can range from 30 days to several months, depending on the policy, and is designed to reduce premiums by excluding short-term disabilities.
* Option A: Incorrect. The length of time benefits are paid is determined by the benefit period, not the elimination period.
* Option B: Correct. The elimination period is the amount of time the insured must wait after becoming disabled before benefits are paid.
* Option C: Incorrect. The point when benefits are exhausted is related to the benefit period or policy limits, not the elimination period.
* Option D: Incorrect. The elimination period does not apply after the policy is discontinued; it applies at the start of a disability claim.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which includes knowledge of disability insurance provisions.
:
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 policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 149
Which of the following is a core benefit of Medicare supplemental insurance?

A. At-home recovery.
B. First 3 pints of blood each year.
C. Preventive care.
D. Basic drugs limit of $1,250.

Answer: B

NEW QUESTION # 150
An agent's underwriting duties include which of the following?

A. Issuing the policy.
B. Setting premium amounts.
C. Declining or accepting an application.
D. Completing all applications and collecting initial premiums.

Answer: D

Explanation:
An insurance agent, acting as afield underwriter, is responsible forcompleting applications accuratelyand collecting initial premiums, ensuring the information provided is truthful and complete for the insurer's underwriting process, as per Oklahoma's regulations (Title 36 O.S. § 1435.2). Setting premiums, accepting
/declining applications, and issuing policies are duties of the insurer's underwriting department, not the agent.
* Option A: Incorrect. Setting premiums is the insurer's responsibility, not the agent's.
* Option B: Correct. Agents complete applications and collect initial premiums as part of field underwriting.
* Option C: Incorrect. Declining or accepting applications is done by the insurer's underwriters.
* Option D: Incorrect. Issuing policies is the insurer's role, not the agent's.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Underwriting).
Oklahoma Insurance Department, Title 36 O.S. § 1435.2 (producer responsibilities).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 151
......

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