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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q39-Q44):

NEW QUESTION # 39
Under the Fair Credit Reporting Act, a consumer report includes

A. any report containing information solely as to transactions between the consumer and the person making the report.
B. communication of information by a consumer reporting agency bearing on a consumer's credit standing, worthiness, or personal characteristics.
C. any authorizations or approval of a specific extension of credit, directly or indirectly, by the issuer of a credit card.
D. communication of information among persons related by common ownership.

Answer: B

Explanation:
TheFair Credit Reporting Act (FCRA)(15 U.S.C. § 1681) defines aconsumer reportas information communicated by a consumer reporting agency that bears on a consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, used to determine eligibility for credit, insurance, or employment. This is relevant in insurance underwriting for consumer reports.
* Option A: Incorrect. Information among related entities is not a consumer report.
* Option B: Incorrect. Transaction reports between the consumer and the reporter are excluded from the FCRA definition.
* Option C: Correct. A consumer report includes information on credit standing and personal characteristics from a reporting agency.
* Option D: Incorrect. Credit card authorizations are not consumer reports under FCRA.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: State- Specific Knowledge - Oklahoma Insurance Statutes).
Fair Credit Reporting Act, 15 U.S.C. § 1681 (definition of consumer report).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 40
A type of life insurance policy which provides for the payment of the face amount at the end of the specified period if the insured is still alive, is

A. a universal life insurance policy.
B. a modified life insurance policy.
C. an endowment policy.
D. a juvenile trust.

Answer: C

Explanation:
Anendowment policyis a life insurance product that pays the face amount to the insured if they are alive at the end of a specified period (maturity) or to the beneficiary if the insured dies before maturity. It combines life insurance with a savings component, as defined in Oklahoma's life insurance regulations (Title 36 O.S. §
4002).
* Option A: Incorrect. Universal life is flexible permanent insurance, not tied to a specific maturity payout.
* Option B: Incorrect. Modified life has lower initial premiums, not a maturity payout feature.
* Option C: Correct. An endowment policy pays the face amount at maturity if the insured is alive.
* Option D: Incorrect. A juvenile trust is not a life insurance policy type; it's a financial arrangement.
:
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 # 41
An accelerated death benefit provision allows a portion of the death benefits to be paid to the insured prior to death if the insured

A. has reached retirement age.
B. has a dependent with a serious illness.
C. has a terminal illness.
D. becomes disabled.

Answer: C

Explanation:
Anaccelerated death benefit (ADB)provision, regulated in Oklahoma (Title 36 O.S. § 4051), allows an insured with aterminal illness(typically with a life expectancy of 12-24 months) to receive a portion of the life insurance death benefit before death. This provides funds for medical or personal expenses during the insured's lifetime.
* Option A: Incorrect. Disability may trigger other riders (e.g., waiver of premium), not ADB.
* Option B: Correct. A terminal illness qualifies for accelerated death benefits.
* Option C: Incorrect. Reaching retirement age does not trigger ADB.
* Option D: Incorrect. A dependent's illness is not a qualifying condition for ADB.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers accelerated death benefits.
:
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. § 4051 (accelerated benefits).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 42
To be eligible for a small group health insurance plan, a company may NOT have more than how many employees?

A. 0
B. 1
C. 2
D. 3

Answer: A

Explanation:
In Oklahoma, asmall group health insurance planis defined under Title 36 O.S. § 6512 as coverage for employers with2 to 50 employees, aligning with federal standards under the Affordable Care Act (ACA).
Companies with more than 50 employees are considered large groups and subject to different regulations.
* Option A: Incorrect. 2 employees is the minimum for a small group plan, not the maximum.
* Option B: Incorrect. 10 employees is below the maximum limit.
* Option C: Incorrect. 40 employees is within the small group range.
* Option D: Correct. A company with more than 50 employees is not eligible for a small group plan.
:
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. § 6512 (small group health insurance).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 43
A condition for which medical advice, diagnosis, care, or treatment was recommended or received during the
6 months immediately preceding the effective date of group health coverage is

A. elimination period.
B. diagnosed condition.
C. affiliation period.
D. preexisting condition.

Answer: D

Explanation:
Apreexisting conditionis defined in health insurance as a medical condition for which advice, diagnosis, care, or treatment was recommended or received within a specified period (commonly 6 months) before the effective date of coverage. In Oklahoma, group health insurance policies often include provisions limiting or excluding coverage for preexisting conditions for a certain period, as regulated by federal and state laws, including the Health Insurance Portability and Accountability Act (HIPAA).
* Option A: Incorrect. An elimination period is the waiting period before benefits begin, typically in disability or long-term care policies, not related to preexisting conditions.
* Option B: Incorrect. An affiliation period is a waiting period for late enrollees in HMOs under HIPAA, not tied to medical conditions.
* Option C: Incorrect. A diagnosed condition is not a standard insurance term; it does not specifically denote the timeframe of prior treatment like a preexisting condition.
* Option D: Correct. A preexisting condition matches the definition provided, as per Oklahoma and federal regulations.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers health insurance exclusions and limitations.
:
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. § 6060.4 (preexisting condition provisions).
HIPAA, 45 CFR § 144.103 (definition of preexisting condition).

NEW QUESTION # 44
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