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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q24-Q29):

NEW QUESTION # 24
What is the purpose of the coordination of benefits provision in group health care?

A. To determine what is paid by the primary and secondary insurers in case of a claim.
B. To protect a secondary insurer from paying a claim.
C. To ensure that the insured gets all the treatment needed.
D. To determine which parent's plan covers a dependent child.

Answer: A

Explanation:
Thecoordination of benefits (COB)provision, regulated in Oklahoma (O.A.C. 365:10-5-4), prevents overinsurance by establishing which group health plan isprimary(pays first) and which issecondary(pays remaining covered expenses) when an insured is covered by multiple plans. This ensures claims are paid efficiently without exceeding the total expense. While COB includes rules for dependent children (e.g., the
"birthday rule"), its primary purpose is broader, covering all dual-coverage scenarios.
* Option A: Incorrect. COB focuses on payment allocation, not ensuring treatment.
* Option B: Correct. COB determines payment responsibilities between primary and secondary insurers.
* Option C: Incorrect. Determining dependent coverage is a subset of COB, not its primary purpose.
* Option D: Incorrect. COB does not protect secondary insurers from paying; it defines their payment role.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Accident and Health Insurance).
Oklahoma Insurance Department, O.A.C. 365:10-5-4 (coordination of benefits).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 25
All of the following describe a whole life policy EXCEPT

A. provides coverage for the life of the policyholder.
B. a policy of $1,000 minimum.
C. provides a death benefit only.
D. premiums are payable until death.

Answer: B

Explanation:
A whole life insurance policy 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 accumulates over time. There is no regulatory requirement in Oklahoma or standard insurance practice that mandates a minimum face amount of $1,000 for whole life policies, making this statement incorrect.
* Option A: Correct (as the exception). Whole life policies do not require a $1,000 minimum face amount; insurers set minimums based on their underwriting guidelines, often higher.
* Option B: Incorrect (describes whole life). Whole life provides lifelong coverage, as per its definition.
* Option C: Incorrect (describes whole life). Premiums are typically payable until death or age 100, depending on the policy.
* Option D: Incorrect (describes whole life). While whole life provides a death benefit, it also accumulates cash value, but the phrasing "death benefit only" is misleading as it implies no cash value, which is not the exception here.
This question aligns with the Prometric content outline under "Life Products," which covers the characteristics 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 (definitions of life insurance products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 26
Which of the following is a potential DISADVANTAGE of a fixed annuity?

A. There is no guaranteed specific benefit amount to the annuitant.
B. Payments continue only for a maximum of 2 years after the annuitant's death.
C. The insured invests payments in variable securities, and the return fluctuates with an uncertain economic market.
D. Annuitants could experience a decrease in the purchasing power of their payments over a period of years due to inflation.

Answer: D

Explanation:
Afixed annuityprovides guaranteed, stable payments to the annuitant, but a key disadvantage is that the fixed payments may losepurchasing powerover time due to inflation, reducing their real value. This is a concern for long-term annuitants, as noted in Oklahoma's annuity regulations (Title 36 O.S. § 4002).
* Option A: Incorrect. Variable securities apply to variable annuities, not fixed annuities.
* Option B: Incorrect. Fixed annuities guarantee a specific benefit amount.
* Option C: Correct. Inflation can decrease the purchasing power of fixed payments.
* Option D: Incorrect. Payment duration depends on the annuity type (e.g., life annuity), not a 2-year limit.
:
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 (annuity products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 27
In Oklahoma, a foreign insurer is one formed under the laws of

A. Oklahoma.
B. a country other than the United States.
C. Oklahoma or under the laws of a state geographically bordering Oklahoma.
D. another state or government of the United States.

Answer: D

Explanation:
In Oklahoma's Insurance Code (Title 36 O.S. § 105), aforeign insureris defined as an insurance company formed under the laws of another U.S. state or territory. This distinguishes it from adomestic insurer(formed in Oklahoma) and analien insurer(formed in a foreign country).
* Option A: Incorrect. An insurer formed in Oklahoma is a domestic insurer.
* Option B: Incorrect. An insurer from a foreign country is an alien insurer.
* Option C: Correct. A foreign insurer is formed under the laws of another U.S. state or government.
* Option D: Incorrect. Geographic proximity is irrelevant; the definition is based on legal formation.
This question aligns with 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 # 28
An insurance producer who knowingly and willfully makes a fraudulent statement relating to an application for insurance is subject to all of the following EXCEPT

A. suspension.
B. revocation.
C. censure.
D. discrimination.

Answer: D

Explanation:
Under Oklahoma's Insurance Code (Title 36 O.S. § 1435.13), a producer who knowingly and willfully makes a fraudulent statement on an insurance application faces disciplinary actions, includingsuspension,revocation
, orcensureof their license, as well as potential fines or criminal penalties.Discriminationis not a disciplinary action; it refers to unfair treatment and is unrelated to fraud penalties.
* Option A: Incorrect (is a penalty). Suspension of the license is a possible consequence.
* Option B: Incorrect (is a penalty). Revocation of the license is a possible consequence.
* Option C: Correct (is not a penalty). Discrimination is not a disciplinary action for fraud.
* Option D: Incorrect (is a penalty). Censure is a formal reprimand and a possible consequence.
:
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. § 1435.13 (grounds for license discipline).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 29
......

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q24-Q29):

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