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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q57-Q62):

NEW QUESTION # 57
In reference to life insurance in contract law, a person MOST likely will have an insurable interest in insuring a person's life if

  • A. any type of business relationship exists between the insured party and the beneficiary.
  • B. she has any type of distant family relationship with the insured party.
  • C. a financial benefit exists from the continuance of the insured party's life.
  • D. the interest exists at the time of death rather than at the time the policy is purchased.

Answer: C

Explanation:
In life insurance, aninsurable interestexists when the policyowner would suffer a financial loss or hardship from the insured's death. Oklahoma law (Title 36 O.S. § 3604) requires insurable interest at the time the policy is purchased, typically based on a financial benefit from the insured's continued life (e.g., spouse, business partner). Distant relationships or business ties alone are insufficient without financial dependency.
* Option A: Correct. A financial benefit from the insured's continued life establishes insurable interest.
* Option B: Incorrect. A business relationship alone does not guarantee insurable interest without financial loss.
* Option C: Incorrect. Distant family relationships may not qualify unless financial dependency exists.
* Option D: Incorrect. Insurable interest must exist at policy purchase, not at the time of death.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers insurable interest.
:
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. § 3604 (insurable interest).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 58
Under the Standard Nonforfeiture Law, any cash value accumulation MUST be made available to the policyowner if the policyowner

  • A. stops paying the premium.
  • B. is not notified within 60 days of the contractual changes.
  • C. becomes disabled.
  • D. files for bankruptcy.

Answer: A

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 # 59
A single contract for group medical insurance issued to an employer is known as

  • A. an employer policy.
  • B. a certificate policy.
  • C. a master policy.
  • D. a conglomerate policy.

Answer: C

Explanation:
In group medical insurance, themaster policyis the single contract issued to the employer or group sponsor (e.
g., a trust or association) that outlines the terms, conditions, and coverage for the entire group. Individual employees receivecertificates of insurance, which summarize their coverage under the master policy but are not the contract itself.
* Option A: Correct. The master policy is the contract issued to the employer for group medical insurance.
* Option B: Incorrect. "Employer policy" is not a standard insurance term.
* Option C: Incorrect. A certificate policy refers to the document given to individuals, not the group contract.
* Option D: Incorrect. "Conglomerate policy" is not a recognized term in insurance.
This question falls under the Prometric content outline section on "Health Providers and Products," which covers group health insurance structures.
:
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. § 4101 et seq. (group health insurance provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 60
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 actual period of disability.
  • B. It protects the insured from multiple elimination periods.
  • C. It reduces the annual premium amount.
  • 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 # 61
What is the main reason a Medicare supplement policy is purchased?

  • A. to fill the gaps not covered by Medicare Parts A and B
  • B. to cover dental services
  • C. to cover long-term care services
  • D. to cover prescription drugs filled at the pharmacy

Answer: A

Explanation:
AMedicare supplement policy(Medigap) is designed to cover out-of-pocket costs not paid by Original Medicare (Parts A and B), such as deductibles, coinsurance, and copayments. The primary reason for purchasing Medigap is tofill the gapsin Medicare coverage, as outlined in Oklahoma's regulations (Title 36 O.
S. § 6217) and federal guidelines (CMS, Medicare & You Handbook). Dental services, long-term care, and prescription drugs are not typically covered by Medigap; these require separate plans (e.g., Medicare Part D for drugs).
* Option A: Incorrect. Dental services are not covered by Medigap; they require separate dental insurance.
* Option B: Incorrect. Long-term care is not covered by Medigap; it requires LTC insurance.
* Option C: Incorrect. Prescription drugs are covered by Medicare Part D, not Medigap.
* Option D: Correct. Medigap fills gaps in Medicare Parts A and B coverage.
:
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
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