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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Ok-Life-Accident-and-Health-or-Sickness-Producer Prüfungsfragen mit Lösungen (Q41-Q46):
41. Frage
Backdating on a life insurance policy is the practice of
- A. reinstating a lapsed policy.
- B. making the policy effective on an earlier date than the present.
- C. accepting the premium after the expiration of the grace period.
- D. excluding medical coverage for preexisting medical conditions.
Antwort: B
Begründung:
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.
42. Frage
A deliberate lie by an insured to the insurer to obtain a lower premium is an example of
- A. omission.
- B. concealment.
- C. fraud.
- D. aleatory.
Antwort: C
Begründung:
A deliberate lie by an insured to obtain a lower premium constitutesfraud, defined in Oklahoma's Insurance Code (Title 36 O.S. § 1204) as an intentional misrepresentation of material facts to deceive the insurer. Fraud can lead to policy rescission or legal penalties.
* Option A: Incorrect. Omission is failing to disclose information, not actively lying.
* Option B: Correct. A deliberate lie to lower premiums is fraud.
* Option C: Incorrect. Concealment is withholding material information, not providing false information.
* Option D: Incorrect. Aleatory refers to the uncertain nature of insurance contracts, not misrepresentation.
:
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. § 1204 (unfair trade practices).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
43. Frage
An individual who is NOT acceptable by an insurer at standard rates because of health, habits, or occupation is called a
- A. preferred risk.
- B. standard risk.
- C. substandard risk.
- D. rating risk.
Antwort: C
Begründung:
In insurance underwriting, individuals are classified based on their risk profile. Asubstandard riskis an applicant who, due to health issues, hazardous habits (e.g., smoking), or high-risk occupations (e.g., stunt performer), cannot be insured at standard rates. These individuals may be offered coverage at higher premiums or with exclusions, as outlined in standard underwriting practices and Oklahoma's regulations (Title 36 O.S. § 1204).
* Option A: Incorrect. "Rating risk" is not a standard underwriting term.
* Option B: Incorrect. A standard risk qualifies for standard rates with average risk.
* Option C: Incorrect. A preferred risk qualifies for lower-than-standard rates due to low risk.
* Option D: Correct. A substandard risk is not acceptable at standard rates due to higher risk factors.
This question aligns with the Prometric content outline under "Underwriting," which covers risk classification.
:
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).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
44. Frage
One area in which errors are commonly made on life insurance applications and for which the incontestable clause does NOT apply is
- A. state of residence.
- B. age.
- C. education level.
- D. occupation.
Antwort: B
Begründung:
Theincontestable clausein life insurance policies, mandated in Oklahoma (Title 36 O.S. § 4004), prevents the insurer from contesting the policy after a specified period (typically 2 years) except for non-payment of premiums. However, errors inageor sex on the application are an exception; insurers can adjust the death benefit or premiums to reflect the correct age, even after the incontestable period, as these errors affect the policy's pricing. Other factors like occupation, education, or residence do not typically have this exception.
* Option A: Incorrect. Errors in occupation are contestable within the 2-year period but not after.
* Option B: Correct. Errors in age are not covered by the incontestable clause and can lead to adjustments.
* Option C: Incorrect. Education level is not typically material to life insurance underwriting.
* Option D: Incorrect. State of residence errors are not an exception to the incontestable clause.
:
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. § 4004 (incontestability provision).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
45. Frage
The insurer will issue to the policyowner, for delivery to each person insured under a group life policy, an individual:
- A. rider.
- B. certificate.
- C. application.
- D. policy.
Antwort: B
Begründung:
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.
46. Frage
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