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Ok-Life-Accident-and-Health-or-Sickness-Producer Downloadable PDF, Exam Ok-Life-Accident-and-Health-or-Sickness-Producer Dumps

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q89-Q94):

NEW QUESTION # 89
What is the focus of major medical insurance?

A. Providing preventative care.
B. Reducing costs by using in-network facilities.
C. Providing coverage for hospitalization expenses.
D. Providing care to the needy.

Answer: C

Explanation:
Major medical insuranceis designed to cover significant healthcare expenses, particularly those related to hospitalization, surgeries, and other high-cost medical services. It focuses on providing comprehensive coverage for catastrophic or major medical events, as opposed to routine or preventive care, which may be covered to a lesser extent or through separate plans.
* Option A: Incorrect. Preventive care is often included but is not the primary focus of major medical insurance.
* Option B: Incorrect. Using in-network facilities reduces costs but is a feature of managed care plans, not the core focus of major medical insurance.
* Option C: Correct. The focus of major medical insurance is covering hospitalization and other major expenses.
* Option D: Incorrect. Providing care to the needy is associated with programs like Medicaid, not private major medical insurance.
This question falls under the Prometric content outline section on "Health Providers and Products," which covers the characteristics of major medical insurance.
:
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. § 6060.3 (health insurance policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 90
The Oklahoma Insurance Commissioner is elected to office and has all of the following powers and duties EXCEPT

A. authority to conduct hearings.
B. jurisdiction over complaints against anyone engaged in the insurance business in Oklahoma.
C. responsibilities to adopt reasonable rules and regulations.
D. enact legislation dealing with insurance.

Answer: D

Explanation:
TheOklahoma Insurance Commissioner, an elected official under Title 36 O.S. § 301, has powers including conducting hearings, adopting rules and regulations, and overseeing complaints against insurance entities.
However,enacting legislationis a function of the Oklahoma Legislature, not the Commissioner, who can only propose or influence legislation.
* Option A: Incorrect (is a duty). The Commissioner can conduct hearings on insurance matters.
* Option B: Correct (is not a duty). Enacting legislation is a legislative function, not the Commissioner's role.
* Option C: Incorrect (is a duty). The Commissioner adopts rules and regulations.
* Option D: Incorrect (is a duty). The Commissioner has jurisdiction over insurance-related complaints.
:
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. § 301 (Commissioner powers and duties).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 91
In addition to the application, MIB, or consumer reports, underwriters can acquire information from all of the following EXCEPT

A. physical examinations.
B. attending physician statements.
C. genetic testing.
D. medical questionnaires.

Answer: C

Explanation:
Underwriters use various sources to assess an applicant's risk, including the application, Medical Information Bureau (MIB) reports, consumer reports, medical questionnaires, attending physician statements (APS), and physical examinations, as permitted under Oklahoma's underwriting practices (Title 36 O.S. § 1204).
However,genetic testingis generally restricted or prohibited for life and health insurance underwriting due to federal and state laws, such as the Genetic Information Nondiscrimination Act (GINA) of 2008, which limits the use of genetic information in health insurance decisions.
* Option A: Incorrect. Medical questionnaires are a standard underwriting tool.
* Option B: Incorrect. Attending physician statements provide medical history and are commonly used.
* Option C: Incorrect. Physical examinations are often required for underwriting.
* Option D: Correct. Genetic testing is typically not allowed for underwriting due to legal restrictions.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Underwriting).
Oklahoma Insurance Department, Title 36 O.S. § 1204 (insurance business conduct).
Genetic Information Nondiscrimination Act (GINA), 42 U.S.C. § 2000ff et seq.
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 92
An accelerated death benefit provision allows a portion of the death benefits to be paid to the insured prior to death if the insured

A. becomes disabled.
B. has reached retirement age.
C. has a dependent with a serious illness.
D. has a terminal illness.

Answer: D

Explanation:
Anaccelerated death benefit (ADB)provision, regulated in Oklahoma (Title 36 O.S. § 4051), allows an insured with aterminal illness(typically with a life expectancy of 12-24 months) to receive a portion of the life insurance death benefit before death. This provides funds for medical or personal expenses during the insured's lifetime.
* Option A: Incorrect. Disability may trigger other riders (e.g., waiver of premium), not ADB.
* Option B: Correct. A terminal illness qualifies for accelerated death benefits.
* Option C: Incorrect. Reaching retirement age does not trigger ADB.
* Option D: Incorrect. A dependent's illness is not a qualifying condition for ADB.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers accelerated death benefits.
:
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. § 4051 (accelerated benefits).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 93
The insurer will issue to the policyowner, for delivery to each person insured under a group life policy, an individual:

A. certificate.
B. application.
C. rider.
D. policy.

Answer: A

Explanation:
Under Oklahoma law (Title 36 O.S. § 4105), for group life insurance, the insurer issues amaster policyto the group policyowner (e.g., employer). Each insured individual receives acertificate of insurance, which summarizes the coverage provided under the master policy but is not a separate policy itself.
* Option A: Incorrect. An individual policy is not issued; the master policy covers the group.
* Option B: Correct. A certificate is issued to each insured person under a group life policy.
* Option C: Incorrect. An application is part of the enrollment process, not issued to insureds.
* Option D: Incorrect. A rider modifies a policy, not issued to insured individuals.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers group life insurance 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. § 4105 (group life insurance provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 94
......

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