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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q59-Q64):

NEW QUESTION # 59
The elimination period in an individual disability insurance policy refers to the

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

Answer: D

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 # 60
The change of beneficiary provision states that the insured has the right to change the beneficiary unless the beneficiary is

A. power of attorney.
B. uninsurable.
C. deceased.
D. irrevocable.

Answer: D

Explanation:
Thechange of beneficiary provisionallows the policyowner (often the insured) to change the beneficiary at any time unless the beneficiary is designated asirrevocable. An irrevocable beneficiary cannot be changed without their consent, as specified in Oklahoma's life insurance regulations (Title 36 O.S. § 4001 et seq.).
* Option A: Incorrect. Insurability of the beneficiary does not affect the right to change them.
* Option B: Correct. An irrevocable beneficiary cannot be changed without their consent.
* Option C: Incorrect. Power of attorney affects legal authority, not beneficiary changes.
* Option D: Incorrect. A deceased beneficiary can be replaced without restriction.
:
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. § 4001 et seq. (beneficiary provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 61
Which of the following is a core benefit of Medicare supplemental insurance?

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

Answer: A

Explanation:
Medicare supplemental insurance(Medigap) covers gaps in Original Medicare (Parts A and B), such as deductibles, coinsurance, and certain costs not covered by Medicare. A core benefit, included in most Medigap plans (e.g., Plans A-N), is coverage for thefirst 3 pints of bloodeach year, which Medicare Part A does not cover. Other options like at-home recovery or prescription drugs are not core benefits, and preventive care is covered by Medicare, not Medigap.
* Option A: Correct. The first 3 pints of blood is a core Medigap benefit.
* Option B: Incorrect. At-home recovery is not a standard core benefit in most Medigap plans.
* Option C: Incorrect. Prescription drug coverage is not a core Medigap benefit; it's covered by Medicare Part D.
* Option D: Incorrect. Preventive care is covered by Medicare Part B, not a core Medigap benefit.
This question falls under the Prometric content outline section on "Medicare," which covers Medigap benefits.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Medicare).
Oklahoma Insurance Department, Title 36 O.S. § 6217 (Medicare supplement insurance).
CMS, Medicare & You Handbook (Medigap benefits).

NEW QUESTION # 62
An agent's underwriting duties include which of the following?

A. Declining or accepting an application.
B. Issuing the policy.
C. Setting premium amounts.
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 # 63
All of the following describe a whole life policy EXCEPT

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

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 # 64
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