INSURANCE LICENSING OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER NEW STUDY QUESTIONS | NEW OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER TEST PATTERN

Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer New Study Questions | New Ok-Life-Accident-and-Health-or-Sickness-Producer Test Pattern

Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer New Study Questions | New Ok-Life-Accident-and-Health-or-Sickness-Producer Test Pattern

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q52-Q57):

NEW QUESTION # 52
If Janet purchases a 10-year level term life insurance policy with a face amount of $100,000, which of the following is TRUE?

  • A. The policy will be converted to a whole life policy at the end of the 10-year period.
  • B. The premium and the face amount will remain constant for the 10-year period.
  • C. The face amount will increase as dividends on the policy accumulate over the 10-year period.
  • D. The face amount will remain constant as the premium increases over the 10-year period.

Answer: B

Explanation:
A10-year level term life insurance policyhas a fixed premium and a fixed face amount (death benefit) for the entire 10-year term. The premium and death benefit remain constant, and there is no cash value or dividend accumulation, as term life is not a participating policy.
* Option A: Incorrect. Conversion to whole life is an optional rider, not automatic at the end of the term.
* Option B: Incorrect. In a level term policy, the premium does not increase during the term; it remains constant.
* Option C: Incorrect. Term life policies do not pay dividends or accumulate cash value, so the face amount does not increase.
* Option D: Correct. Both the premium and the $100,000 face amount remain constant for the 10-year term.
This question falls under the Prometric content outline section on "Life Products," which covers term life insurance characteristics.
:
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 # 53
Accidental death covers death from

  • A. terminal illness.
  • B. infections.
  • C. self-inflicted wounds.
  • D. drowning.

Answer: D

Explanation:
Accidental death insurance(or accidental death and dismemberment, AD&D) covers death resulting from accidental bodily injury, independent of illness or intentional acts.Drowningis an example of an accidental cause of death typically covered under such policies. Exclusions often include death from illness, infections, or self-inflicted injuries, as outlined in standard policy provisions.
* Option A: Incorrect. Terminal illness is a natural cause, not covered by accidental death insurance.
* Option B: Correct. Drowning is an accidental cause of death, covered by AD&D policies.
* Option C: Incorrect. Infections are typically excluded as they are not accidental injuries.
* Option D: Incorrect. Self-inflicted wounds are intentional and excluded from coverage.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers accidental death coverage.
:
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. § 4001 et seq. (policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 54
Any person of competent legal capacity may contract for life and health insurance at a MINIMUM age of

  • A. 15.
  • B. 16.
  • C. 21.
  • D. 18.

Answer: D

Explanation:
In Oklahoma, the minimum age for a person of competent legal capacity to contract for life and health insurance is18, as this is the age of majority under Oklahoma law (Title 15 O.S. § 13). Individuals under 18 may be insured (e.g., as dependents or under juvenile policies), but they cannot enter into insurance contracts themselves unless emancipated.
* Option A: Incorrect. Age 15 is below the age of majority.
* Option B: Incorrect. Age 16 is below the age of majority.
* Option C: Correct. Age 18 is the minimum age for contracting insurance in Oklahoma.
* Option D: Incorrect. Age 21 is not required; 18 is sufficient.
This question falls under the Prometric content outline section on "State Insurance Statutes, Rules, and Regulations," which covers eligibility to contract insurance.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: State- Specific Knowledge - Oklahoma Insurance Statutes).
Oklahoma Insurance Department, Title 15 O.S. § 13 (age of majority).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 55
A whole life policy payment period is related to an annual premium in which of the following ways?

  • A. The payment period is not related to the annual premium.
  • B. The longer the payment period, the higher the annual premium.
  • C. The shorter the payment period, the lower the annual premium.
  • D. The shorter the payment period, the higher the annual premium.

Answer: D

Explanation:
In a whole life insurance policy, thepayment periodrefers to the duration over which premiums are paid (e.g., until age 100, or a limited period like 20 years). A shorter payment period (e.g., 10-pay or 20-pay whole life) requires higher annual premiums because the total cost of the policy is compressed into fewer payments, while a longer payment period (e.g., until age 100) spreads the cost, resulting in lower annual premiums.
* Option A: Incorrect. The payment period directly affects the annual premium amount.
* Option B: Incorrect. A shorter payment period increases, not decreases, the annual premium.
* Option C: Correct. A shorter payment period results in a higher annual premium due to the condensed payment schedule.
* Option D: Incorrect. A longer payment period typically lowers the annual premium, not increases it.
This question aligns with the Prometric content outline under "Life Products," which covers whole life insurance premium structures.
:
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 # 56
An endorsement to an insurance policy that modifies clauses and provisions of the policy is referred to as

  • A. a rider.
  • B. an add-on.
  • C. an attachment.
  • D. a supplement.

Answer: A

Explanation:
Arideris an endorsement or amendment to an insurance policy that modifies its clauses, provisions, or coverage. Riders can add, remove, or alter benefits, such as adding coverage for a specific condition or family members in life or health insurance policies. The term is standard in Oklahoma insurance law and practice.
* Option A: Incorrect. An attachment is not a specific insurance term for policy modifications.
* Option B: Incorrect. A supplement may refer to additional coverage but is not the standard term for policy endorsements.
* Option C: Correct. A rider is an endorsement that modifies policy provisions.
* Option D: Incorrect. "Add-on" is not a formal insurance term for policy modifications.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers policy endorsements.
:
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. § 4001 et seq. (policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 57
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