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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q127-Q132):

NEW QUESTION # 127
If a primary beneficiary dies, life insurance benefits are then paid to

A. no one.
B. the contingent beneficiaries.
C. the sub-primary beneficiaries.
D. the tertiary beneficiaries.

Answer: B

Explanation:
In a life insurance policy, theprimary beneficiaryis the first in line to receive the death benefit. If the primary beneficiary predeceases the insured, the benefits are paid to thecontingent (or secondary) beneficiaries, as specified in the policy. If no contingent beneficiaries are named, the benefits typically go to the insured's estate, but "contingent beneficiaries" is the correct choice here (Title 36 O.S. § 4001 et seq.).
* Option A: Incorrect. Benefits are not paid to "no one"; they go to contingent beneficiaries or the estate.
* Option B: Incorrect. "Tertiary beneficiaries" is not a standard term in life insurance.
* Option C: Correct. Contingent beneficiaries receive benefits if the primary beneficiary dies.
* Option D: Incorrect. "Sub-primary beneficiaries" is not a recognized term.
:
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. (beneficiary designations).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 128
Under a group life policy, the policyowner is entitled to a grace period of 31 days for the payment of any premium due EXCEPT the first. During the grace period, the death benefit coverage shall

A. continue in force.
B. be 50%.
C. be discontinued.
D. be 75%.

Answer: A

Explanation:
Under Oklahoma insurance law and standard group life insurance provisions, a group life policy includes a mandatory grace period of 31 days for the payment of premiums (except the first premium, which must be paid to initiate coverage). During this grace period, the policy remains in force, and the full death benefit is payable if the insured dies, provided the premium is eventually paid or the policy has not lapsed.
* Option A: Incorrect. Coverage is not discontinued during the grace period; it continues to protect the insured.
* Option B: Incorrect. The death benefit is not reduced to 50% during the grace period; it remains at
100% of the policy's face amount.
* Option C: Correct. The death benefit coverage continues in force during the 31-day grace period, as mandated by Oklahoma law.
* Option D: Incorrect. The death benefit is not reduced to 75%; it remains fully in effect.
This provision is outlined in Oklahoma statutes and aligns with the Prometric exam content outline under
"Provisions, Options, Exclusions, Riders, Clauses, and Rights," which includes knowledge of grace periods in group life policies.
:
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. § 4105 (grace period requirements for group life insurance).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 129
Within a specified number of days, a free-look provision gives the

A. company the right to rescind the policy.
B. policyowner the right to return the policy for a partial refund.
C. policyowner the right to return the policy for a full refund.
D. company the right to alter the policy.

Answer: C

Explanation:
Thefree-look provision, required in Oklahoma for life and health insurance policies (Title 36 O.S. § 4007 for life, § 4405 for health), allows the policyowner to return the policy within a specified period (typically 10 days for life, 30 days for Medigap) from receipt for afull refundof premiums paid, no questions asked. This protects consumers by allowing time to review the policy.
* Option A: Incorrect. The insurer cannot rescind during the free-look period; that right applies to contestability.
* Option B: Incorrect. The refund is full, not partial, during the free-look period.
* Option C: Correct. The policyowner can return the policy for a full refund within the specified period.
* Option D: Incorrect. The insurer cannot unilaterally alter the policy during the free-look period.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers free-look provisions.
:
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. § 4007, § 4405 (free-look provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 130
What is it called when a health insurance policy terminates and the policyholder is allowed to receive benefits past the termination date of the policy?

A. duration of coverage.
B. notification statement.
C. extension of benefits.
D. qualifying event.

Answer: C

Explanation:
Anextension of benefitsprovision in health insurance allows a policyholder to continue receiving benefits for a covered condition (e.g., disability or hospitalization) after the policy terminates, typically if the condition began while the policy was in force. This is a standard provision in group and individual health insurance policies in Oklahoma, ensuring continuity of care for specific circumstances.
* Option A: Incorrect. A qualifying event relates to COBRA or other continuation coverage triggers, not post-termination benefits.
* Option B: Incorrect. Duration of coverage refers to the policy term, not benefits after termination.
* Option C: Correct. Extension of benefits allows benefits to continue after policy termination.
* Option D: Incorrect. A notification statement is unrelated to benefit continuation.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers health insurance benefit provisions.
:
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 policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 131
In addition to the application, MIB, or consumer reports, underwriters can acquire information from all of the following EXCEPT

A. medical questionnaires.
B. attending physician statements.
C. physical examinations.
D. genetic testing.

Answer: D

Explanation:
Underwriters use various sources to assess an applicant's risk, including the application, Medical Information Bureau (MIB) reports, consumer reports, medical questionnaires, attending physician statements (APS), and physical examinations, as permitted under Oklahoma's underwriting practices (Title 36 O.S. § 1204).
However,genetic testingis generally restricted or prohibited for life and health insurance underwriting due to federal and state laws, such as the Genetic Information Nondiscrimination Act (GINA) of 2008, which limits the use of genetic information in health insurance decisions.
* Option A: Incorrect. Medical questionnaires are a standard underwriting tool.
* Option B: Incorrect. Attending physician statements provide medical history and are commonly used.
* Option C: Incorrect. Physical examinations are often required for underwriting.
* Option D: Correct. Genetic testing is typically not allowed for underwriting due to legal restrictions.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Underwriting).
Oklahoma Insurance Department, Title 36 O.S. § 1204 (insurance business conduct).
Genetic Information Nondiscrimination Act (GINA), 42 U.S.C. § 2000ff et seq.
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 132
......

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