2025 MARVELOUS INSURANCE LICENSING OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER MOCK EXAM

2025 Marvelous Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Mock Exam

2025 Marvelous Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Mock Exam

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q13-Q18):

NEW QUESTION # 13
Determining the appropriate coverage for an individual seeking long-term care insurance is

  • A. suitability.
  • B. contestability.
  • C. coinsurance.
  • D. accountability.

Answer: A

Explanation:
Suitabilityin long-term care (LTC) insurance involves assessing an individual's financial situation, health needs, and goals to determine the appropriate coverage, ensuring the policy meets their needs without being unaffordable or excessive. Oklahoma regulations (O.A.C. 365:10-5-40) emphasize suitability to protect consumers from inappropriate LTC products.
* Option A: Incorrect. Coinsurance is a cost-sharing mechanism, not about determining coverage.
* Option B: Correct. Suitability ensures the LTC policy is appropriate for the individual's needs.
* Option C: Incorrect. Contestability relates to the insurer's ability to contest claims, not coverage selection.
* Option D: Incorrect. Accountability is not a term for determining coverage appropriateness.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Long-Term Care Policies).
Oklahoma Insurance Department, O.A.C. 365:10-5-40 (LTC suitability standards).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 14
Which type of life insurance policy is written under a single contract for both spouses in which it is payable upon the first death?

  • A. dual capacity
  • B. family term
  • C. whole
  • D. joint

Answer: D

Explanation:
Ajoint life policy(first-to-die) covers both spouses under a single contract and pays the death benefit upon the first spouse's death, as defined in Oklahoma's life insurance regulations (Title 36 O.S. § 4002). This is often used for financial protection needs like mortgages.
* Option A: Incorrect. "Dual capacity" is not a standard life insurance term.
* Option B: Incorrect. Family term covers dependents but is not specific to first-to-die spousal coverage.
* Option C: Incorrect. Whole life is a permanent policy type, not inherently joint.
* Option D: Correct. A joint life policy pays on the first spouse's death.
:
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 # 15
The Oklahoma Insurance Commissioner may place on probation, censure, suspend, revoke, or refuse to issue a license to an applicant for all of the following causes EXCEPT

  • A. providing incorrect, misleading, or materially untrue information in the license application.
  • B. having been convicted of a misdemeanor.
  • C. failing to pay state taxes.
  • D. having admitted to have committed fraud.

Answer: B

Explanation:
Under Title 36 O.S. § 1435.13, the Oklahoma Insurance Commissioner may take disciplinary action against a licensee for causes such as fraud, providing false information on a license application, or failing to comply with state laws, including tax obligations. However, a misdemeanor conviction does not automatically warrant license action unless it involves a crime of moral turpitude (e.g., fraud, theft) or is directly related to insurance activities.
* Option A: Incorrect (is a cause). Admitting to fraud is grounds for license suspension or revocation.
* Option B: Incorrect (is a cause). Providing misleading or untrue information on a license application is a violation.
* Option C: Correct (is the exception). A misdemeanor conviction alone, without specific relevance to insurance or moral turpitude, is not typically grounds for license action.
* Option D: Incorrect (is a cause). Failing to pay state taxes can lead to disciplinary action as a violation of state law.
This question is part of the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers licensing disciplinary actions.
:
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. § 1435.13 (grounds for license discipline).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 16
Returning part of the commission or giving anything of value to the insured as an inducement to buy a policy is

  • A. defamation.
  • B. controlled business.
  • C. rebating.
  • D. coercion.

Answer: C

Explanation:
Rebatingis the practice of offering or returning part of a commission, premium, or anything of value to an insured as an inducement to purchase an insurance policy. It is prohibited in Oklahoma under the Unfair Trade Practices Act (Title 36 O.S. § 1204) to ensure fair competition and prevent undue influence.
* Option A: Incorrect. Coercion involves forcing someone to buy insurance, not offering inducements.
* Option B: Incorrect. Defamation is making false statements harming reputation, not related to inducements.
* Option C: Correct. Rebating involves giving value to induce a policy purchase.
* Option D: Incorrect. Controlled business refers to writing insurance primarily for oneself or close associates, not inducements.
This question falls under the Prometric content outline section on "State Insurance Statutes, Rules, and Regulations," which covers unfair trade practices.
:
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 (unfair trade practices).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 17
All of the following are Medicare Advantage Plans EXCEPT

  • A. Private Fee-For-Service (PFFS).
  • B. Preferred Provider Organization (PPO).
  • C. Social Security Disability Income (SSDI).
  • D. Health Maintenance Organization (HMO).

Answer: C

Explanation:
Medicare Advantage (Part C)plans are private health plans approved by Medicare, includingPPOs,HMOs, andPFFSplans, which provide an alternative to Original Medicare.Social Security Disability Income (SSDI) is a federal program providing income support for disabled individuals, not a Medicare Advantage plan.
* Option A: Incorrect. PPO plans are a type of Medicare Advantage plan.
* Option B: Incorrect. HMO plans are a type of Medicare Advantage plan.
* Option C: Incorrect. PFFS plans are a type of Medicare Advantage plan.
* Option D: Correct. SSDI is not a Medicare Advantage plan; it is a disability income program.
This question aligns with the Prometric content outline under "Medicare," which covers Medicare Advantage plans.
:
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 (Medicare Advantage plans).


NEW QUESTION # 18
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