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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q85-Q90):

NEW QUESTION # 85
Modified whole life policies are distinguished by premiums that are

A. higher than typical whole life premiums during the initial years and then lower thereafter.
B. higher than typical whole life premiums during the last few years.
C. lower than typical whole life premiums during the last few years.
D. lower than typical whole life premiums during the initial years and then higher thereafter.

Answer: D

Explanation:
Amodified whole life policyfeatures premiums that arelower than typical whole life premiums during the initial years(e.g., first 3-5 years) to make the policy more affordable early on, thenhigher thereafterto compensate for the initial discount while maintaining lifelong coverage. This is a variation of whole life insurance, as defined in Oklahoma's regulations (Title 36 O.S. § 4002).
* Option A: Incorrect. Premiums do not decrease in the last few years; they increase after the initial period.
* Option B: Incorrect. Premiums are not higher in the last few years compared to typical whole life; they adjust after the initial period.
* Option C: Correct. Premiums are lower initially and higher thereafter.
* Option D: Incorrect. Premiums are not higher initially and lower later; the opposite is true.
:
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 # 86
Determining the appropriate coverage for an individual seeking long-term care insurance is

A. suitability.
B. coinsurance.
C. contestability.
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 # 87
A policy that provides coverage for persons with chronic diseases or disabilities, and often covers nursing home care, home-based care, and respite care is known as

A. Long-Term Care insurance.
B. Group Health insurance.
C. Medicare insurance.
D. Medicaid insurance.

Answer: A

Explanation:
Long-Term Care (LTC) insuranceis designed to cover services for individuals with chronic diseases or disabilities who need assistance with activities of daily living (ADLs) or have cognitive impairments. It often includes coverage for nursing home care, home-based care, assisted living, and respite care, as regulated in Oklahoma under Title 36 O.S. § 4426.1.
* Option A: Incorrect. Medicare provides limited coverage for skilled nursing or home health care but not comprehensive LTC services.
* Option B: Incorrect. Medicaid covers LTC for low-income individuals but is a government program, not a private insurance policy.
* Option C: Correct. LTC insurance covers nursing home, home-based, and respite care for chronic conditions.
* Option D: Incorrect. Group health insurance covers medical expenses but typically does not include LTC services.
This question falls under the Prometric content outline section on "Long-Term Care (LTC) Policies," which covers LTC coverage and services.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Long-Term Care Policies).
Oklahoma Insurance Department, Title 36 O.S. § 4426.1 (long-term care insurance regulations).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 88
Which life insurance rider is designed to permit young individuals to be able to purchase additional insurance as they grow older, regardless of insurability?

A. Cost of living rider.
B. Impairment rider.
C. Guaranteed insurability rider.
D. Multiple indemnity rider.

Answer: C

Explanation:
Theguaranteed insurability riderallows the insured, typically younger individuals, to purchase additional life insurance at specified future dates or life events (e.g., marriage, childbirth) without proving insurability, ensuring coverage despite health changes. This is a common rider in life insurance policies (Title 36 O.S. §
4001 et seq.).
* Option A: Incorrect. A cost of living rider adjusts the death benefit for inflation, not additional coverage.
* Option B: Correct. The guaranteed insurability rider allows additional insurance without insurability proof.
* Option C: Incorrect. An impairment rider excludes specific conditions, not related to additional coverage.
* Option D: Incorrect. A multiple indemnity rider increases benefits for accidental death, not additional coverage.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Life Insurance Riders).
Oklahoma Insurance Department, Title 36 O.S. § 4001 et seq. (life insurance provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 89
The type of insurance used to indemnify a firm for the loss of earnings brought about by the death or disability of an officer or other significant employee is

A. employee welfare.
B. business overhead.
C. key person.
D. business continuation life.

Answer: C

Explanation:
Key person insuranceis a life or disability insurance policy purchased by a business to protect against financial loss due to the death or disability of a critical employee or officer (e.g., a CEO or top salesperson).
The business is the policyowner and beneficiary, receiving the death benefit or disability payments to offset lost earnings or replacement costs.
* Option A: Incorrect. Business continuation life typically refers to buy-sell agreements, not key person coverage.
* Option B: Incorrect. Business overhead insurance covers ongoing business expenses during an owner's disability, not key employees.
* Option C: Correct. Key person insurance indemnifies a firm for losses due to a key employee's death or disability.
* Option D: Incorrect. Employee welfare plans focus on employee benefits, not indemnifying the firm for losses.
This question aligns with the Prometric content outline under "Life Products," which covers business insurance products.
:
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 # 90
......

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