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Ok-Life-Accident-and-Health-or-Sickness-Producer Reliable Test Review & Ok-Life-Accident-and-Health-or-Sickness-Producer Sample Test Online

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q104-Q109):

NEW QUESTION # 104
A fraternal benefit society is characterized by all of the following EXCEPT

A. incorporated.
B. for profit.
C. conducted solely for the benefit of its members.
D. without capital stock.

Answer: B

Explanation:
Afraternal benefit society, as defined in Oklahoma's Insurance Code (Title 36 O.S. § 2711), is an incorporated organization without capital stock, operating on a lodge system with a representative form of government, and providing insurance benefits solely for its members and their beneficiaries. Unlike commercial insurers, fraternal benefit societies arenot-for-profitentities, making "for profit" an incorrect characteristic.
* Option A: Incorrect (is a characteristic). Fraternal benefit societies are incorporated entities.
* Option B: Incorrect (is a characteristic). They operate without capital stock, distinguishing them from stock insurers.
* Option C: Correct (is not a characteristic). Fraternal benefit societies are not-for-profit, not for-profit organizations.
* Option D: Incorrect (is a characteristic). They exist solely for the benefit of their members.
This question aligns with the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers types of insurers, including fraternal benefit societies.
:
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. § 2711 (fraternal benefit societies).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 105
A form of an accelerated death benefit is a

A. nonforfeiture extended term benefit.
B. home care benefit.
C. terminal illness settlement benefit.
D. cost of living benefit.

Answer: C

Explanation:
Anaccelerated death benefit (ADB)provision allows an insured to receive a portion of the life insurance death benefit before death under specific conditions, such as aterminal illness. Theterminal illness settlement benefitis a form of ADB, providing funds for medical or personal needs, as regulated in Oklahoma (Title 36 O.S. § 4051).
* Option A: Incorrect. A home care benefit relates to long-term care, not ADB.
* Option B: Incorrect. A nonforfeiture extended term benefit is a policy lapse option, not an ADB.
* Option C: Correct. A terminal illness settlement benefit is a type of accelerated death benefit.
* Option D: Incorrect. A cost of living benefit adjusts benefits for inflation, not an ADB.
:
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 # 106
Health benefit plans providing maternity coverage shall provide postpartum home care if childbirth occurs at home within?

A. 24 hours by vaginal delivery.
B. 96 hours by vaginal delivery.
C. 48 hours by vaginal delivery.
D. 72 hours by vaginal delivery.

Answer: C

Explanation:
Oklahoma law (Title 36 O.S. § 6060.9), aligned with the federal Newborns' and Mothers' Health Protection Act (NMHPA), requires health benefit plans providing maternity coverage to offer postpartum home care for mothers and newborns if childbirth occurs at home and the mother is discharged within48 hoursfor a vaginal delivery (or 96 hours for a cesarean section).
* Option A: Incorrect. 24 hours is too short for required postpartum home care.
* Option B: Correct. Postpartum home care is required if discharged within 48 hours for vaginal delivery.
* Option C: Incorrect. 72 hours is not the standard timeframe.
* Option D: Incorrect. 96 hours applies to cesarean deliveries, not vaginal.
:
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. § 6060.9 (maternity benefits).
NMHPA, 29 U.S.C. § 1185.

NEW QUESTION # 107
Backdating on a life insurance policy is the practice of

A. reinstating a lapsed policy.
B. accepting the premium after the expiration of the grace period.
C. excluding medical coverage for preexisting medical conditions.
D. making the policy effective on an earlier date than the present.

Answer: D

Explanation:
Backdatinga life insurance policy involves setting the policy's effective date earlier than the current date, often to secure a lower premium based on the insured's younger age at the earlier date. This requires the policyowner to pay premiums for the backdated period, as permitted under Oklahoma insurance practices (Title 36 O.S. § 4001 et seq.).
* Option A: Incorrect. Reinstating a lapsed policy involves restoring coverage after a lapse, not changing the effective date.
* Option B: Incorrect. Excluding preexisting conditions applies to health insurance, not backdating life insurance.
* Option C: Incorrect. Accepting late premiums relates to the grace period, not backdating.
* Option D: Correct. Backdating makes the policy effective on an earlier date.
:
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. (life insurance policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 108
As a form of level premium permanent insurance, ordinary life insurance accumulates a reserve that eventually

A. requires mandatory cash value distributions.
B. results in a dividend payment to the policyowner.
C. ceases to earn interest or grow in a positive earnings direction.
D. equals the face amount of the policy.

Answer: D

Explanation:
Ordinary life insurance, synonymous with whole life insurance, is a level premium permanent insurance product that accumulates a cash value (or reserve) over time. By design, the cash value grows and, at the policy's maturity (typically age 100 or 121, depending on the policy), equals the face amount of the policy, at which point the policy endows (pays out the face amount to the policyowner if the insured is still alive).
* Option A: Correct. The cash value (reserve) in a whole life policy eventually equals the face amount at maturity.
* Option B: Incorrect. Dividends are paid only in participating policies, not all whole life policies, and are not guaranteed.
* Option C: Incorrect. The cash value continues to earn interest or grow, typically at a guaranteed rate, until maturity.
* Option D: Incorrect. There are no mandatory cash value distributions; policyowners can choose to access the cash value.
This question aligns with the Prometric content outline under "Life Products," which covers the cash value accumulation in 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. § 4029 (nonforfeiture benefits and cash value).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 109
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