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Professional Insurance Licensing Test Topics Pdf–Reliable Ok-Life-Accident-and-Health-or-Sickness-Producer Valid Exam Objectives
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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q22-Q27):
NEW QUESTION # 22
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 remain constant as the premium increases over the 10-year period.
- D. The face amount will increase as dividends on the policy accumulate 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 # 23
The ownership provision of a life insurance policy states that during the insured individual's lifetime, the rights and privileges belong to the
- A. insured individual only
- B. insured individual's family
- C. owner only
- D. beneficiaries
Answer: C
Explanation:
Theownership provisionin a life insurance policy specifies that the policyowner (who may or may not be the insured) holds all rights and privileges during the insured's lifetime, including changing beneficiaries, borrowing against cash value, or surrendering the policy. This is standard in Oklahoma's Insurance Code (Title 36 O.S. § 4001 et seq.). Beneficiaries have no rights until the insured's death, and the insured's family has no automatic rights unless designated as owners.
* Option A: Incorrect. The insured has no ownership rights unless they are also the policyowner.
* Option B: Correct. The policyowner holds all rights and privileges.
* Option C: Incorrect. The insured's family has no inherent rights unless they are the policyowner.
* Option D: Incorrect. Beneficiaries have rights only after the insured's death.
:
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 # 24
An insured individual takes out a life insurance policy on himself and commits suicide 13 months later. Since the policy has an expressed provision limiting the liability of the insurer against suicide, the insurer is
- A. not liable to make any payouts on the policy.
- B. liable to pay the full value of the policy.
- C. liable for the full value of the policy if the insured individual was proven to be insane at the time of his death.
- D. obligated to reimburse the amount of the premiums paid for the policy.
Answer: A
Explanation:
Most life insurance policies include asuicide clause, typically lasting 2 years in Oklahoma (Title 36 O.S. §
4004), which limits the insurer's liability if the insured commits suicide within that period. If suicide occurs within the clause's timeframe (e.g., 13 months), the insurer is generally not liable to pay the death benefit and instead refunds the premiums paid. However, the question emphasizes the policy's expressed provision limiting liability, suggesting no payout beyond premiums, making "not liable to make any payouts" the most accurate choice. Insanity is not a standard exception unless specified.
* Option A: Incorrect. While premium refunds are common, the question emphasizes no payouts, aligning with the provision's limit.
* Option B: Correct. The insurer is not liable to make any payouts due to the suicide clause.
* Option C: Incorrect. The full value is not paid within the suicide clause period.
* Option D: Incorrect. Insanity is not a standard exception in suicide clauses unless explicitly stated.
:
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 (suicide clause provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
NEW QUESTION # 25
Every licensee must keep records pertaining to insurance transactions for how many years?
- A. 0
- B. 1
- C. 2
- D. 3
Answer: C
Explanation:
Oklahoma insurance law requires licensed insurance producers to maintain records of insurance transactions for a minimum of5 years, as specified in Title 36 O.S. § 1435.13. This ensures compliance with regulatory oversight and allows for audits or investigations by the Oklahoma Insurance Department.
* Option A: Incorrect. 3 years is insufficient per Oklahoma law.
* Option B: Correct. Licensees must keep records for 5 years.
* Option C: Incorrect. 7 years exceeds the requirement.
* Option D: Incorrect. 10 years is not mandated by Oklahoma insurance regulations.
This question falls under the Prometric content outline section on "State Insurance Statutes, Rules, and Regulations," which includes recordkeeping requirements.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: State- Specific Knowledge - Licensing Requirements).
Oklahoma Insurance Department, Title 36 O.S. § 1435.13 (producer recordkeeping).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
NEW QUESTION # 26
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. joint
- B. family term
- C. dual capacity
- D. whole
Answer: A
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 # 27
......
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