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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q148-Q153):

NEW QUESTION # 148
How does a survivorship life policy payout?

A. upon the death of the first insured
B. upon granting of a divorce decree
C. upon attainment of a fixed age
D. upon the death of the last surviving insured

Answer: D

Explanation:
Asurvivorship life policy(second-to-die insurance) covers two or more individuals (typically spouses) and pays the death benefitupon the death of the last surviving insured. It is often used for estate planning, as defined in Oklahoma's life insurance regulations (Title 36 O.S. § 4002). This contrasts with a joint life policy, which pays on the first death.
* Option A: Incorrect. Payout is not tied to a fixed age but to the last insured's death.
* Option B: Incorrect. Divorce does not trigger a payout; it may affect ownership or beneficiaries.
* Option C: Incorrect. Payout occurs on the last insured's death, not the first.
* Option D: Correct. The policy pays upon the death of the last surviving insured.
:
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 # 149
Which of the following is NOT a settlement option for life or annuity policies?

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

Answer: A

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 # 150
A difference between permanent and term life insurance is

A. term life only covers the insured for 1 year.
B. permanent life automatically covers an insured for 5 years even when premiums are not paid.
C. permanent life may develop cash value.
D. term life is more economical for the insured over a long life span.

Answer: C

Explanation:
Permanent life insurance (e.g., whole life, universal life) and term life insurance differ fundamentally in their structure and benefits. Permanent life insurance provides coverage for the insured's entire life (as long as premiums are paid) and often includes a savings component that accumulates cash value. Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and does not build cash value.
* Option A: Incorrect. Term life insurance can cover the insured for various periods (e.g., 5, 10, 20 years), not strictly 1 year, depending on the policy term selected.
* Option B: Incorrect. Term life is generally more economical for short-term needs due to lower premiums, but over a long life span, permanent life may be more cost-effective due to its lifelong coverage and cash value growth.
* Option C: Correct. Permanent life insurance may develop cash value, which can be borrowed against or withdrawn, while term life does not have this feature.
* Option D: Incorrect. Permanent life insurance does not automatically provide coverage for 5 years without premium payments. Policies may lapse without payment unless nonforfeiture options (e.g., extended term or reduced paid-up insurance) are exercised.
This question aligns with the Prometric content outline under "Life Products," which covers the characteristics of term and permanent 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. § 4029 (nonforfeiture benefits in life insurance).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 151
Which of the following is a core benefit of Medicare supplemental insurance?

A. First 3 pints of blood each year.
B. Basic drugs limit of $1,250.
C. Preventive care.
D. At-home recovery.

Answer: A

Explanation:
Medicare supplemental insurance(Medigap) covers gaps in Original Medicare (Parts A and B), such as deductibles, coinsurance, and certain costs not covered by Medicare. A core benefit, included in most Medigap plans (e.g., Plans A-N), is coverage for thefirst 3 pints of bloodeach year, which Medicare Part A does not cover. Other options like at-home recovery or prescription drugs are not core benefits, and preventive care is covered by Medicare, not Medigap.
* Option A: Correct. The first 3 pints of blood is a core Medigap benefit.
* Option B: Incorrect. At-home recovery is not a standard core benefit in most Medigap plans.
* Option C: Incorrect. Prescription drug coverage is not a core Medigap benefit; it's covered by Medicare Part D.
* Option D: Incorrect. Preventive care is covered by Medicare Part B, not a core Medigap benefit.
This question falls under the Prometric content outline section on "Medicare," which covers Medigap benefits.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Medicare).
Oklahoma Insurance Department, Title 36 O.S. § 6217 (Medicare supplement insurance).
CMS, Medicare & You Handbook (Medigap benefits).

NEW QUESTION # 152
One advantage of a whole life insurance policy is that it offers

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

Answer: C

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 # 153
......

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Exam Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Simulator & Real Ok-Life-Accident-and-Health-or-Sickness-Producer Testing Environment

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q148-Q153):

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