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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q86-Q91):

NEW QUESTION # 86
Every licensee must keep records pertaining to insurance transactions for how many years?

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

Answer: A

Explanation:
Oklahoma insurance law requires licensed insurance producers to maintain records of insurance transactions for a minimum of5 years, as specified in Title 36 O.S. § 1435.13. This ensures compliance with regulatory oversight and allows for audits or investigations by the Oklahoma Insurance Department.
* Option A: Incorrect. 3 years is insufficient per Oklahoma law.
* Option B: Correct. Licensees must keep records for 5 years.
* Option C: Incorrect. 7 years exceeds the requirement.
* Option D: Incorrect. 10 years is not mandated by Oklahoma insurance regulations.
This question falls under the Prometric content outline section on "State Insurance Statutes, Rules, and Regulations," which includes recordkeeping requirements.
:
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 (producer recordkeeping).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 87
Which of the following is a core benefit of Medicare supplemental insurance?

A. At-home recovery.
B. First 3 pints of blood each year.
C. Basic drugs limit of $1,250.
D. Preventive care.

Answer: B

Explanation:
Medicare supplemental insurance(Medigap) covers gaps in Original Medicare (Parts A and B), such as deductibles, coinsurance, and certain costs not covered by Medicare. A core benefit, included in most Medigap plans (e.g., Plans A-N), is coverage for thefirst 3 pints of bloodeach year, which Medicare Part A does not cover. Other options like at-home recovery or prescription drugs are not core benefits, and preventive care is covered by Medicare, not Medigap.
* Option A: Correct. The first 3 pints of blood is a core Medigap benefit.
* Option B: Incorrect. At-home recovery is not a standard core benefit in most Medigap plans.
* Option C: Incorrect. Prescription drug coverage is not a core Medigap benefit; it's covered by Medicare Part D.
* Option D: Incorrect. Preventive care is covered by Medicare Part B, not a core Medigap benefit.
This question falls under the Prometric content outline section on "Medicare," which covers Medigap benefits.
:
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 (Medigap benefits).

NEW QUESTION # 88
In terms of consideration, in which of the following circumstances is a health insurance contract effective?

A. When the insured pays the premium for a plan.
B. When the insurance company provides the services promised in the contract.
C. When the contract has been signed by both the insured and the insurance company.
D. When the insured pays the premium and the policy is issued as applied for.

Answer: D

Explanation:
In insurance, a contract is effective when there is mutual consideration, offer, acceptance, and a meeting of the minds. For a health insurance contract, this occurs when the insured pays the initial premium (consideration from the insured) and the insurer issues the policy as applied for (acceptance by the insurer), as outlined in Oklahoma's Insurance Code (Title 36 O.S. § 4401). The policy becomes binding at this point, assuming all other conditions (e.g., underwriting approval) are met.
* Option A: Incorrect. Providing services occurs during claims, not when the contract is effective.
* Option B: Incorrect. Paying the premium alone is not sufficient without policy issuance.
* Option C: Correct. The contract is effective when the premium is paid and the policy is issued as applied for.
* Option D: Incorrect. Signing by both parties is not typically required; issuance and premium payment suffice.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers contract formation in health insurance.
:
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. § 4401 (health insurance contracts).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 89
The grace period is a period of time

A. between the death of the insured individual and the payment of the benefits.
B. when the policyowner is protected from an unintentional lapse of the policy.
C. after the premium is paid and before the policy is issued.
D. after the premium is received and before the policy is issued.

Answer: B

Explanation:
Thegrace periodin life and health insurance policies, as mandated by Oklahoma law (Title 36 O.S. § 4005 for life, § 4405 for health), is a period (typically 31 days) after a premium due date during which the policy remains in force, protecting the policyowner from an unintentional lapse. If the insured dies during the grace period, the death benefit is payable, minus any overdue premiums.
* Option A: Incorrect. The period after premium payment but before policy issuance is the underwriting or application phase, not the grace period.
* Option B: Incorrect. This is similar to Option A and does not describe the grace period.
* Option C: Incorrect. The time between death and benefit payment is the claim processing period, not the grace period.
* Option D: Correct. The grace period protects against unintentional policy lapse due to late premium payment.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers grace period 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. § 4005, § 4405 (grace period requirements).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 90
Upon receipt of notice of claim, the insurance company will furnish to the claimant such forms for filing proof of loss within how many days?

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

Answer: B

Explanation:
Under Oklahoma's Insurance Code (Title 36 O.S. § 1250.4), upon receiving notice of a claim, an insurer must furnish the claimant with forms for filing proof of loss within15 days. This ensures timely processing of claims and compliance with fair claims settlement practices.
* Option A: Incorrect. 10 days is not the required timeframe.
* Option B: Correct. Insurers must provide forms within 15 days.
* Option C: Incorrect. 20 days exceeds the statutory requirement.
* Option D: Incorrect. 30 days is too long under Oklahoma law.
:
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. § 1250.4 (claims settlement practices).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 91
......

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