Quiz 2025 Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer–Professional Pass Guide

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q85-Q90):

NEW QUESTION # 85
A form of an accelerated death benefit is a

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

Answer: B

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 # 86
What type of policy pays an amount per day for hospitalization directly to the insured regardless of the insured's other health insurance?

A. Medigap
B. Hospital indemnity
C. Limited-amount per diem
D. Blanket

Answer: B

Explanation:
Ahospital indemnity policypays a fixed daily, weekly, or monthly benefit directly to the insured for hospitalization, regardless of other insurance coverage or actual expenses incurred. This is a supplemental policy common in Oklahoma (Title 36 O.S. § 4405).
* Option A: Incorrect. "Limited-amount per diem" is not a standard insurance term.
* Option B: Incorrect. Blanket policies cover groups for specific risks, not individual hospitalization benefits.
* Option C: Incorrect. Medigap covers Medicare gaps, not fixed hospitalization payments.
* Option D: Correct. Hospital indemnity policies pay a fixed amount per day for hospitalization.
:
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. § 4405 (health insurance provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 87
In addition to the actual policy, an entire contract includes which of the following?

A. The application.
B. Clauses.
C. Provisions.
D. Credit report.

Answer: A

Explanation:
Theentire contract provision, mandated in Oklahoma for life and health insurance (Title 36 O.S. § 4001 for life, § 4405 for health), specifies that theentire contractconsists of the policy, any attached endorsements or riders, and a copy of theapplicationif endorsed upon or attached to the policy at issuance. This ensures no external documents can alter the agreement unless included. Clauses and provisions are part of the policy itself, while credit reports are used in underwriting but not part of the contract.
* Option A: Incorrect. Clauses are components of the policy, not a separate item added to the entire contract.
* Option B: Incorrect. Credit reports are underwriting tools, not part of the contract.
* Option C: Incorrect. Provisions are part of the policy, not a distinct addition.
* Option D: Correct. The application, when attached, is part of the entire contract.
:
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, § 4405 (entire contract provision).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 88
When you purchase an annuity, you are purchasing a

A. whole life policy.
B. universal life policy.
C. disability insurance policy.
D. guaranteed income.

Answer: D

Explanation:
Anannuityis a financial product purchased from an insurer that provides a stream of income, typically for retirement, in exchange for a lump sum or periodic payments. The primary purpose is to guarantee income, often for the annuitant's lifetime or a specified period, as outlined in Oklahoma's regulations for life insurance products (Title 36 O.S. § 4002).
* Option A: Correct. An annuity provides guaranteed income, either fixed or variable, based on the contract terms.
* Option B: Incorrect. A whole life policy is a type of life insurance, not an annuity.
* Option C: Incorrect. Disability insurance covers income loss due to disability, not guaranteed income.
* Option D: Incorrect. A universal life policy is a flexible life insurance product, not an annuity.
This question falls under the Prometric content outline section on "Life Products," which covers annuities and their features.
:
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, including annuities).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 89
Many Universal Life Policies will permit a partial surrender of cash value. The surrender amount would

A. not need to be repaid.
B. have to be repaid.
C. increase the face amount.
D. increase the cash value.

Answer: A

Explanation:
Universal life insurance is a flexible permanent life insurance product with a cash value component. Apartial surrenderallows the policyowner to withdraw a portion of the cash value, reducing both the cash value and, typically, the death benefit. Unlike a policy loan, a partial surrender does not need to be repaid, as it is a withdrawal of the policyowner's own funds.
* Option A: Incorrect. Partial surrenders are not loans and do not require repayment.
* Option B: Incorrect. A partial surrender reduces the death benefit, not increases the face amount.
* Option C: Incorrect. A partial surrender decreases the cash value, not increases it.
* Option D: Correct. The surrender amount does not need to be repaid, as it is a withdrawal.
This question aligns with the Prometric content outline under "Life Products," which covers universal life insurance features, including cash value options.
:
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 # 90
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Quiz 2025 Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer–Professional Pass Guide

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q85-Q90):

100% Pass 2025 Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer: Oklahoma Life, Accident, and Health or Sickness Producer Exam –Efficient Pass Guide

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