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Ok-Life-Accident-and-Health-or-Sickness-Producer Valid Study Plan - Authorized Ok-Life-Accident-and-Health-or-Sickness-Producer Test Dumps

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q152-Q157):

NEW QUESTION # 152
The type of insurance used to indemnify a firm for the loss of earnings brought about by the death or disability of an officer or other significant employee is

A. key person.
B. employee welfare.
C. business continuation life.
D. business overhead.

Answer: A

Explanation:
Key person insuranceis a life or disability insurance policy purchased by a business to protect against financial loss due to the death or disability of a critical employee or officer (e.g., a CEO or top salesperson).
The business is the policyowner and beneficiary, receiving the death benefit or disability payments to offset lost earnings or replacement costs.
* Option A: Incorrect. Business continuation life typically refers to buy-sell agreements, not key person coverage.
* Option B: Incorrect. Business overhead insurance covers ongoing business expenses during an owner's disability, not key employees.
* Option C: Correct. Key person insurance indemnifies a firm for losses due to a key employee's death or disability.
* Option D: Incorrect. Employee welfare plans focus on employee benefits, not indemnifying the firm for losses.
This question aligns with the Prometric content outline under "Life Products," which covers business insurance products.
:
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 # 153
One advantage of a whole life insurance policy is that it offers

A. Permanent coverage.
B. Variable premium amounts.
C. Liberal underwriting guidelines.
D. Initial lower premiums.

Answer: A

Explanation:
Awhole life insurance policyprovidespermanent coveragefor the insured's entire life, as long as premiums are paid, along with a guaranteed death benefit and cash value accumulation. This is a key advantage over term life, which is temporary. Whole life premiums are typically higher than term life, and underwriting guidelines or premium flexibility depend on the insurer, not the product itself.
* Option A: Incorrect. Underwriting guidelines vary by insurer, not by policy type.
* Option B: Incorrect. Whole life has higher initial premiums compared to term life.
* Option C: Incorrect. Whole life typically has fixed premiums, unlike universal life, which offers variable premiums.
* Option D: Correct. Permanent coverage is a primary advantage of whole life insurance.
This question falls under the Prometric content outline section on "Life Products," which covers the benefits 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 (life insurance products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 154
A newly hired employee gives his enrollment form to his employer, but due to an administrative error, it is never forwarded to the insurance company. The error is detected 3 months later. What will happen if the clerical error provision is in effect?

A. The employee will be allowed to submit an enrollment form and all past due premiums, and will be retroactively insured.
B. The employer will be required to pay the past due premiums.
C. The employee will be allowed to submit a new enrollment form and will be enrolled as of the date the new form is accepted.
D. The employee will have to wait until the next open enrollment period to enroll in the plan.

Answer: A

Explanation:
The clerical error provision in group health insurance policies is designed to protect employees from losing coverage due to administrative mistakes made by the employer or insurer. According to Oklahoma insurance regulations and standard group health insurance practices, if a clerical error results in an employee not being enrolled, the provision allows the error to be corrected by retroactively enrolling the employee, provided any past due premiums are paid. This ensures the employee is insured as if the error had not occurred, covering any claims that would have been eligible during the period of the error.
The Oklahoma Life, Accident, and Health or Sickness Producer Study Guide specifies that under the clerical error provision, "an employee who was eligible for coverage but was not enrolled due to an administrative error can be retroactively enrolled upon correction of the error, with coverage effective from the original eligibility date, provided all required premiums are paid." This aligns with option C, which states the employee will be allowed to submit an enrollment form and all past due premiums, and will be retroactively insured.
References:
Oklahoma Life, Accident, and Health or Sickness Producer Study Guide, Section on Group Health Insurance Provisions.
Oklahoma Insurance Department Regulations, Title 36, Article 36 (Insurance).

NEW QUESTION # 155
Any person entitled to reimbursement for expenses of health care services and procedures under an Accident and Health Insurance Policy issued by an insurer is

A. a practitioner.
B. an insurer.
C. a Preferred Provider Organization.
D. an insured.

Answer: D

Explanation:
Aninsuredis the person covered by an accident and health insurance policy and entitled to reimbursement for covered health care expenses, as defined in Oklahoma's Insurance Code (Title 36 O.S. § 4401). The insured (or their assignee, e.g., a provider) receives benefits for services like medical treatments or hospital stays.
* Option A: Incorrect. An insurer is the company issuing the policy, not receiving reimbursement.
* Option B: Correct. The insured is entitled to reimbursement for covered health care expenses.
* Option C: Incorrect. A practitioner provides services, not receives policy reimbursements.
* Option D: Incorrect. A PPO is a network of providers, not an individual entitled to benefits.
:
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. § 4401 (health insurance definitions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 156
The Oklahoma Insurance Commissioner is elected to office and has all of the following powers and duties EXCEPT

A. enact legislation dealing with insurance.
B. jurisdiction over complaints against anyone engaged in the insurance business in Oklahoma.
C. authority to conduct hearings.
D. responsibilities to adopt reasonable rules and regulations.

Answer: A

Explanation:
TheOklahoma Insurance Commissioner, an elected official under Title 36 O.S. § 301, has powers including conducting hearings, adopting rules and regulations, and overseeing complaints against insurance entities.
However,enacting legislationis a function of the Oklahoma Legislature, not the Commissioner, who can only propose or influence legislation.
* Option A: Incorrect (is a duty). The Commissioner can conduct hearings on insurance matters.
* Option B: Correct (is not a duty). Enacting legislation is a legislative function, not the Commissioner's role.
* Option C: Incorrect (is a duty). The Commissioner adopts rules and regulations.
* Option D: Incorrect (is a duty). The Commissioner has jurisdiction over insurance-related complaints.
:
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. § 301 (Commissioner powers and duties).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 157
......

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