LOOKING FOR A QUICK WAY TO CRACK INSURANCE LICENSING OK-LIFE-ACCIDENT-AND-HEALTH-OR-SICKNESS-PRODUCER EXAM? TRY THIS INSTANT METHOD

Looking for a Quick Way to Crack Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Exam? Try This Instant Method

Looking for a Quick Way to Crack Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Exam? Try This Instant Method

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q129-Q134):

NEW QUESTION # 129
Benefits required under the child immunization coverage shall NOT be subject to

  • A. an annual maximum number of immunizations.
  • B. a deductible.
  • C. a set immunization schedule.
  • D. a prior authorization.

Answer: D

Explanation:
Oklahoma insurance regulations mandate that health insurance policies providing child immunization coverage must not impose certain restrictions that could limit access to these benefits. Specifically, the Oklahoma Insurance Code, Title 36 O.S. § 6060.3, states that "benefits for immunizations required under child immunization coverage shall not be subject to prior authorization requirements." This ensures that children can receive necessary immunizations without delays caused by insurer approval processes.
The Oklahoma Life, Accident, and Health or Sickness Producer Study Guide further clarifies, "Child immunization benefits must be provided without prior authorization to promote timely access to preventive care. However, benefits may still follow a recommended immunization schedule or be subject to other policy terms like deductibles, unless otherwise specified." Options A, B, and D are not explicitly prohibited under the law, making option C the correct answer.
References:
Oklahoma Insurance Code, Title 36 O.S. § 6060.3 (Child Immunization Coverage).
Oklahoma Life, Accident, and Health or Sickness Producer Study Guide, Section on Health Insurance Benefits and Mandates.


NEW QUESTION # 130
An insured receives a notice from the insurer that the policy has been cancelled in the middle of the term.
Which of the following policies did the insured MOST likely have?

  • A. Term.
  • B. Optionally renewable.
  • C. Conditionally renewable.
  • D. Cancelable.

Answer: D

Explanation:
Acancelablehealth insurance policy allows the insurer to cancel the policy at any time during the term with proper notice, typically for reasons like non-payment or fraud, as permitted under Oklahoma's regulations (Title 36 O.S. § 4405). Other policy types, like optionally renewable (insurer can refuse renewal at term end), conditionally renewable (renewal subject to conditions), or term (fixed duration), do not typically allow mid- term cancellation.
* Option A: Incorrect. Optionally renewable policies can be non-renewed at term end, not cancelled mid- term.
* Option B: Incorrect. Term policies (life or health) run for a fixed period and are not typically cancelled mid-term.
* Option C: Incorrect. Conditionally renewable policies restrict renewal, not mid-term cancellation.
* Option D: Correct. A cancelable policy allows mid-term cancellation by the insurer.
:
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 provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 131
Which of the following is NOT a settlement option for life or annuity policies?

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

Answer: D

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 # 132
One area in which errors are commonly made on life insurance applications and for which the incontestable clause does NOT apply is

  • A. education level.
  • B. occupation.
  • C. age.
  • D. state of residence.

Answer: C

Explanation:
Theincontestable clausein life insurance policies, mandated in Oklahoma (Title 36 O.S. § 4004), prevents the insurer from contesting the policy after a specified period (typically 2 years) except for non-payment of premiums. However, errors inageor sex on the application are an exception; insurers can adjust the death benefit or premiums to reflect the correct age, even after the incontestable period, as these errors affect the policy's pricing. Other factors like occupation, education, or residence do not typically have this exception.
* Option A: Incorrect. Errors in occupation are contestable within the 2-year period but not after.
* Option B: Correct. Errors in age are not covered by the incontestable clause and can lead to adjustments.
* Option C: Incorrect. Education level is not typically material to life insurance underwriting.
* Option D: Incorrect. State of residence errors are not an exception to the incontestable clause.
:
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. § 4004 (incontestability provision).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 133
A PRIMARY difference between precertification provision and concurrent review is that only the precertification provision

  • A. occurs before the treatment is provided.
  • B. requires the consent of the patient.
  • C. is designed to be a cost containment measure.
  • D. involves a review by the insurance company.

Answer: A

Explanation:
Precertification(or preauthorization) is a process where the insurer reviews and approves certain medical treatments or procedures before they are provided, ensuring they are medically necessary and covered.
Concurrent reviewoccurs during the treatment, monitoring ongoing care (e.g., hospital stays) to ensure continued necessity. The primary difference is timing: precertification happens before treatment, while concurrent review happens during treatment.
* Option A: Incorrect. Both precertification and concurrent review are cost containment measures, so this is not unique to precertification.
* Option B: Incorrect. Both processes involve review by the insurance company.
* Option C: Incorrect. Neither typically requires patient consent beyond agreeing to the policy terms.
* Option D: Correct. Precertification occurs before treatment, distinguishing it from concurrent review.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers health insurance utilization management.
:
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. § 6060.3 (utilization review standards).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.


NEW QUESTION # 134
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