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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q87-Q92):

NEW QUESTION # 87
Ann has a 5-year Renewable Term Life Insurance Policy. Upon exercising the renewable privilege, Ann MUST

A. convert to a whole life policy.
B. pay an annual premium that may be higher.
C. provide evidence of insurability.
D. renew for at least 10 years.

Answer: B

Explanation:
A renewable term life insurance policy allows the insured to renew the policy at the end of the term without providing evidence of insurability, typically for another term of the same duration. However, because the insured is older at renewal, the premium is generally higher due to increased risk. For a 5-year renewable term policy, Ann can renew for another 5-year term, but the premium will reflect her age at the time of renewal.
* Option A: Incorrect. Renewable term policies do not require evidence of insurability for renewal, as this is a key feature of the renewability provision.
* Option B: Incorrect. The renewal term is typically the same as the original term (5 years in this case), not a mandatory 10 years.
* Option C: Correct. The premium upon renewal may be higher because it is based on the insured's attained age, as outlined in standard term life insurance provisions.
* Option D: Incorrect. Renewal does not require conversion to a whole life policy; conversion is a separate option that may be available but is not mandatory.
This question aligns with the Prometric content outline under "Life Products," which covers the characteristics and provisions of term life insurance, including renewability.
:
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 # 88
Failure of an insurance producer to complete the continuing education requirements may result in

A. an additional 20 continuing education hours the following year.
B. a felony conviction.
C. revocation of license.
D. nonrenewal of license.

Answer: D

Explanation:
Oklahoma requires insurance producers to complete 24 hours of continuing education (CE) every 2 years, including 3 hours of ethics and 2 hours of legislative updates (Title 36 O.S. § 1435.29; O.A.C. 365:25-3-1).
Failure to meet CE requirements results innonrenewal of the license, as the Oklahoma Insurance Department will not renew until CE is completed. Revocation or felony charges apply to more serious violations (e.g., fraud), not CE non-compliance.
* Option A: Incorrect. There is no provision for additional CE hours as a penalty; CE must be completed for renewal.
* Option B: Incorrect. CE failure is not a felony; it's an administrative issue.
* Option C: Correct. Nonrenewal of the license occurs if CE requirements are not met.
* Option D: Incorrect. Revocation is for severe violations, not CE non-compliance.
:
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. § 1435.29; O.A.C. 365:25-3-1 (continuing education).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 89
Which of the following is NOT a settlement option for life or annuity policies?

A. Fixed period.
B. Life income with period certain.
C. Asset withdrawal.
D. Pure life income.

Answer: C

Explanation:
Settlement options for life insurance or annuity policies determine how proceeds are paid to beneficiaries or annuitants. Common options includefixed period(payments over a set time),pure life income(payments for the annuitant's lifetime), andlife income with period certain(payments for life with a guaranteed minimum period), as outlined in Oklahoma's regulations (Title 36 O.S. § 4001 et seq.).Asset withdrawalis not a standard settlement option; it may refer to accessing funds but not a formal payout method.
* Option A: Incorrect. Fixed period is a standard settlement option.
* Option B: Incorrect. Pure life income is a standard settlement option.
* Option C: Correct. Asset withdrawal is not a recognized settlement option.
* Option D: Incorrect. Life income with period certain is a standard settlement option.
:
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. (settlement options).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 90
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 employee will have to wait until the next open enrollment period to enroll in the plan.
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 employer will be required to pay the past due premiums.

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 # 91
In regards to advertising, insurers are responsible for which of the following?

A. maintaining control over the cost of production.
B. maintaining control over content and form.
C. maintaining control of communications between agents.
D. maintaining control over the cost of delivery.

Answer: B

Explanation:
Under Oklahoma insurance regulations (Title 36 O.S. § 1204 and O.A.C. 365:10-3-10), insurers are responsible for ensuring that all advertising materials comply with state laws, including maintaining control over thecontent and formto prevent misleading or deceptive practices. This includes ensuring advertisements are truthful, not disparaging, and compliant with regulatory standards.
* Option A: Correct. Insurers must control the content and form of advertising to ensure compliance.
* Option B: Incorrect. The cost of delivery is not a regulatory responsibility of insurers.
* Option C: Incorrect. The cost of production is an internal business matter, not a regulatory requirement.
* Option D: Incorrect. Communications between agents are not directly related to advertising content control.
This question is part of the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers advertising regulations.
:
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; O.A.C. 365:10-3-10 (advertising rules).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 92
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