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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q100-Q105):

NEW QUESTION # 100
When a life insurance or annuity replacement policy is sold, the policyowner has a right to return the policy for a full refund of premium within

A. 7 days.
B. 20 days.
C. 14 days.
D. 3 days.

Answer: B

Explanation:
Oklahoma regulations (O.A.C. 365:10-3-16) provide afree-look periodfor life insurance or annuity replacement policies, allowing the policyowner to return the policy for afull refund of premiumwithin20 daysfrom receipt. This extended period for replacements (compared to 10 days for non-replacement policies) ensures consumers can review the new policy and compare it to the replaced one.
* Option A: Incorrect. 3 days is too short for the free-look period.
* Option B: Incorrect. 7 days is not the required timeframe.
* Option C: Incorrect. 14 days is shorter than the replacement free-look period.
* Option D: Correct. The free-look period for replacement policies is 20 days.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Considerations in Replacing Insurance).
Oklahoma Insurance Department, O.A.C. 365:10-3-16 (replacement regulations).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 101
Under Medicare Hospital Insurance Part A, there are no medical benefits provided for treatment in a skilled nursing facility beyond

A. 60 days.
B. 30 days.
C. 180 days.
D. 100 days.

Answer: D

Explanation:
Medicare Part A covers skilled nursing facility (SNF) care for up to100 daysper benefit period, provided the patient meets eligibility criteria (e.g., a prior 3-day hospital stay and need for skilled care). Beyond 100 days, no benefits are provided, as outlined in CMS guidelines and Oklahoma's Medicare supplement regulations (Title 36 O.S. § 6217).
* Option A: Incorrect. 30 days is too short; coverage extends to 100 days.
* Option B: Incorrect. 60 days is within the coverage period but not the limit.
* Option C: Correct. No benefits are provided beyond 100 days in an SNF.
* Option D: Incorrect. 180 days exceeds Medicare's SNF coverage limit.
:
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 (Part A coverage).

NEW QUESTION # 102
A whole life policy payment period is related to an annual premium in which of the following ways?

A. The shorter the payment period, the lower the annual premium.
B. The shorter the payment period, the higher the annual premium.
C. The payment period is not related to the annual premium.
D. The longer the payment period, the higher the annual premium.

Answer: B

Explanation:
In a whole life insurance policy, thepayment periodrefers to the duration over which premiums are paid (e.g., until age 100, or a limited period like 20 years). A shorter payment period (e.g., 10-pay or 20-pay whole life) requires higher annual premiums because the total cost of the policy is compressed into fewer payments, while a longer payment period (e.g., until age 100) spreads the cost, resulting in lower annual premiums.
* Option A: Incorrect. The payment period directly affects the annual premium amount.
* Option B: Incorrect. A shorter payment period increases, not decreases, the annual premium.
* Option C: Correct. A shorter payment period results in a higher annual premium due to the condensed payment schedule.
* Option D: Incorrect. A longer payment period typically lowers the annual premium, not increases it.
This question aligns with the Prometric content outline under "Life Products," which covers whole life insurance premium structures.
:
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 # 103
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 # 104
The act of using misrepresentation to induce an insured person to terminate an existing policy and purchase a new policy is referred to as

A. twisting.
B. subrogation.
C. rebating.
D. churning.

Answer: A

Explanation:
Twistingis the unethical practice of using misrepresentation or incomplete information to persuade an insured to terminate an existing policy and purchase a new one, often to the insured's detriment. It is prohibited under Oklahoma's Unfair Trade Practices Act (Title 36 O.S. § 1204). This differs fromchurning(replacing policies for commission without benefit to the insured) orrebating(offering inducements to purchase).
* Option A: Correct. Twisting involves misrepresentation to induce policy replacement.
* Option B: Incorrect. Subrogation is the insurer's right to recover payments from a third party.
* Option C: Incorrect. Rebating is offering a portion of the premium or other inducements to purchase insurance.
* Option D: Incorrect. Churning involves excessive policy replacements for commissions, not necessarily misrepresentation.
This question is part of the Prometric content outline under "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 # 105
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