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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q83-Q88):

NEW QUESTION # 83
Which type of life insurance policy is written under a single contract for both spouses in which it is payable upon the first death?

A. dual capacity
B. whole
C. family term
D. joint

Answer: D

Explanation:
Ajoint life policy(first-to-die) covers both spouses under a single contract and pays the death benefit upon the first spouse's death, as defined in Oklahoma's life insurance regulations (Title 36 O.S. § 4002). This is often used for financial protection needs like mortgages.
* Option A: Incorrect. "Dual capacity" is not a standard life insurance term.
* Option B: Incorrect. Family term covers dependents but is not specific to first-to-die spousal coverage.
* Option C: Incorrect. Whole life is a permanent policy type, not inherently joint.
* Option D: Correct. A joint life policy pays on the first spouse's death.
:
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 (life insurance products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 84
The grace period is a period of time

A. between the death of the insured individual and the payment of the benefits.
B. after the premium is received and before the policy is issued.
C. when the policyowner is protected from an unintentional lapse of the policy.
D. after the premium is paid and before the policy is issued.

Answer: C

Explanation:
Thegrace periodin life and health insurance policies, as mandated by Oklahoma law (Title 36 O.S. § 4005 for life, § 4405 for health), is a period (typically 31 days) after a premium due date during which the policy remains in force, protecting the policyowner from an unintentional lapse. If the insured dies during the grace period, the death benefit is payable, minus any overdue premiums.
* Option A: Incorrect. The period after premium payment but before policy issuance is the underwriting or application phase, not the grace period.
* Option B: Incorrect. This is similar to Option A and does not describe the grace period.
* Option C: Incorrect. The time between death and benefit payment is the claim processing period, not the grace period.
* Option D: Correct. The grace period protects against unintentional policy lapse due to late premium payment.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers grace period provisions.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Life and Health Insurance Provisions).
Oklahoma Insurance Department, Title 36 O.S. § 4005, § 4405 (grace period requirements).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 85
In broad terms, the types of support and services generally associated with Long-Term Care policies are provided at which three levels of care?

A. Professional, social, and economic care.
B. Skilled nursing, intermediate, and custodial care.
C. Home-based, assisted living, and medical care.
D. Functional, rehabilitational, and medical care.

Answer: B

Explanation:
Long-Term Care (LTC) insurance policies cover services for individuals who need assistance with activities of daily living (ADLs) or have severe cognitive impairments. The three primary levels of care in LTC policies areskilled nursing care(intensive medical care by licensed professionals),intermediate care(less intensive medical care with some nursing support), andcustodial care(non-medical assistance with ADLs, such as bathing or dressing). These levels are standard in Oklahoma's LTC regulations and align with federal guidelines.
* Option A: Incorrect. Professional, social, and economic care are not standard LTC levels.
* Option B: Incorrect. While home-based and assisted living are settings for LTC, they are not levels of care; medical care is too vague.
* Option C: Incorrect. Functional and rehabilitational care are not standard LTC categories; medical care is not specific enough.
* Option D: Correct. Skilled nursing, intermediate, and custodial care are the recognized levels of care in LTC policies.
This question falls under the Prometric content outline section on "Long-Term Care (LTC) Policies," which includes knowledge of LTC services and coverage.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Long-Term Care Policies).
Oklahoma Insurance Department, Title 36 O.S. § 4426.1 (long-term care insurance regulations).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 86
Under the unpaid premium Uniform Optional Provision, if there is an unpaid premium at the time a health claim becomes payable, then the

A. policy is cancelled.
B. premium is deducted from the claim.
C. claim is denied.
D. claim is delayed until payment of the premium.

Answer: B

Explanation:
Theunpaid premium Uniform Optional Provisionin health insurance policies, as recognized in Oklahoma (Title 36 O.S. § 4405), allows the insurer to deduct any unpaid premiums from a claim payment if a claim becomes payable while premiums are overdue. This ensures the policy remains in force and the claim is paid, net of the owed premium.
* Option A: Incorrect. The claim is not denied; the premium is deducted from the payment.
* Option B: Incorrect. The policy is not cancelled; the unpaid premium is addressed via the claim.
* Option C: Correct. The unpaid premium is deducted from the claim payment.
* Option D: Incorrect. The claim is not delayed; the premium is settled with the claim payment.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers health insurance policy 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 provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 87
All of the following describe a whole life policy EXCEPT

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

Answer: A

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 # 88
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