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Insurance Licensing Ok Life Accident and Health or Sickness Producer 시험

Oklahoma Life, Accident, and Health or Sickness Producer Exam 온라인 연습

최종 업데이트 시간: 2026년01월01일

당신은 온라인 연습 문제를 통해 Insurance Licensing Ok Life Accident and Health or Sickness Producer 시험지식에 대해 자신이 어떻게 알고 있는지 파악한 후 시험 참가 신청 여부를 결정할 수 있다.

시험을 100% 합격하고 시험 준비 시간을 35% 절약하기를 바라며 Ok Life Accident and Health or Sickness Producer 덤프 (최신 실제 시험 문제)를 사용 선택하여 현재 최신 155개의 시험 문제와 답을 포함하십시오.

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Question No : 1


Which of the following terms is NOT used to help determine allowable amounts of payment for medical services by insurance companies?

정답:
Explanation:
Necessary may seem like the sensible answer, but the assumption going into UCR calculations is not whether the procedure is necessary, but whether it is usual, reasonable, and customary. There could be items that are not necessary but do fit in the category of UCR and therefore it is used to calculate the allowable amounts.

Question No : 2


In order to use a long-term care rider, the insured must have cognitive impairment or be unable to perform at least two activities of daily living.
Which of the following is NOT an activity of daily living?

정답:
Explanation:
The six activities of daily living (ADLs) are bathing, dressing, eating. transferring, toileting, and continence. Rather than simply being unable to work, the activities must show an inability to operate in daily life.

Question No : 3


When multiple disability insurance companies are handling the same claim and have agreed to split the responsibility to avoid exceeding the total loss sustained, which process begins?

정답:
Explanation:
Once both companies have admitted an extent of liability, what remains is to coordinate which company doles out first, as well as for how much, if the claim is not split evenly.

Question No : 4


Due to fraudulent claims, most disability insurance companies offer to cover up to which percentage of earned income?

정답:
Explanation:
Disability insurance benefits are limited in order to encourage individuals to return to work as soon as possible due to the financial strain of losing a large chunk of their needed income. That number is customarily around 60%.

Question No : 5


Bill currently has a group life insurance plan through his employer. In reading over the fine print, Bill discovers that his policy is equipped with a conversion privilege.
What does this mean?

정답:
Explanation:
The conversion privilege allows an insured to convert the group plan into an individual one without having to requalify. After converting and paying the premium requested by the company, they could have a terminal illness without impacting either premiums or eligibility.

Question No : 6


Jack enters his local life insurance agent's office to purchase a life insurance policy. He's worried that his family won't be able to cover necessary expenses should anything happen to him. Throughout the application process, Jack slurs his words and smells of whiskey.
What should the agent do?

정답:
Explanation:
Unlike cigarettes, alcohol use doesn't bar anyone from having a policy, nor does it impact their table rating. In fact, Jack may be a perfectly insurable risk under normal circumstances.
However, an agent cannot knowingly enter into an agreement with a party who is clearly unable to use clear and concise judgment in such a decision.

Question No : 7


A life insurance policy may reduce the amount of insurance payable on maturity if death occurs from any of the following EXCEPT:

정답:
Explanation:
Reckless driving may be foolish, but it is nonetheless considered accidental, whereas the others are acts entered into with foreknowledge of risk.

Question No : 8


Brenda signed up for a million-dollar term policy. During the medical questionnaire, she deliberately chose not to disclose that in the past she was treated for high blood pressure.
If found out, how will this affect her pending application?

정답:
Explanation:
People aren't always the most adept at determining their current health or fitness levels and frequently forget or withhold information concerning previous ailments or issues an insurance company might deem relevant. Requiring background checks and medical exams is the most practical and fair way to make sure each policy is accurately attuned to an individual's risk.

Question No : 9


After which phase of the application process does the free look period begin?

정답:
Explanation:
The purpose of the free look period is to give the policy owner a chance to review the completed policy for a period of time and decide if that is truly the decision they would like to take.
This can only take place after a policy has been delivered and is available for looking over.

Question No : 10


What age does an annuity-holder have to be to avoid the IRS 10% early withdrawal penalty tax?

정답:
Explanation:
The reasoning behind this number pertains much more to government needs than it does to the life insurer. The US Government prefers to see any given person work until retirement age, and this penalty can be seen as an extension of that fact. There would be adverse reactions to making people wait until retirement age or later, so 59.5 is viewed as the Goldilocks age of not-quite retired but also too old to find another job during a major life event.

Question No : 11


Which rider automatically adjusts the death benefit of a life insurance policy over time to keep pace with macroeconomic trends?

정답:
Explanation:
A cost-of-living rider is used in many types of policies to allow payments to match the rising costs associated with inflation. The increase in coverage is typically limited to a certain percentage per year based upon the Consumer Price Index (CPI).

Question No : 12


Which life insurance product is a permanent life insurance plan that guarantees a set death benefit and premiums that do not change for the life of the policy?

정답:
Explanation:
Universal life is a permanent policy which offers flexible payment options to accommodate both lean years and those of plenty. Indexed life, also known as IUL, is a type of universal policy, also offering flexible payment options but varying only in its method of building cash value. Unlike the others, a Whole Life Policy offers both fixed premiums and a permanent policy.

Question No : 13


Bill would like to reinstate his policy with ABC life insurance company, but his most recent payment fell outside the grace period allotted. Bill's agent tells him to submit a questionnaire in order to reactivate the policy.
What is the purpose of this questionnaire?

정답:
Explanation:
Once a grace period elapses without the premiums having been paid, insurers are within their rights to reject a reinstatement if the insured no longer qualifies for the policy at hand. If the health of the customer has changed, they may not be able to offer the same policy without alteration, if at all.

Question No : 14


Jim owns a return of premium policy. Due to losing his job, he cannot complete the last five years of his policy and terminates the life insurance plan.
What will happen to the cash value within his policy?

정답:
Explanation:
Although option B seems reasonable, premiums paid were made after tax―so there would be no fiscal reason to tax the cash value again when it's released. Jim wouldn't forfeit the cash value unless he failed to pay premiums or communicate with the insurer, and they would have no means of holding his cash value hostage until the end of the term.

Question No : 15


In which of the following situations would an insurance company NOT be liable for the loss?

정답:
Explanation:
Insurance companies are not liable for deaths caused by criminal activity such as attempts to commit a felony or other illegal occupations.

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