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Real Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Dumps Attempt the Exam in the Optimal Way

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q135-Q140):

NEW QUESTION # 135
When you purchase an annuity, you are purchasing a

A. guaranteed income.
B. disability insurance policy.
C. universal life policy.
D. whole life policy.

Answer: A

Explanation:
Anannuityis a financial product purchased from an insurer that provides a stream of income, typically for retirement, in exchange for a lump sum or periodic payments. The primary purpose is to guarantee income, often for the annuitant's lifetime or a specified period, as outlined in Oklahoma's regulations for life insurance products (Title 36 O.S. § 4002).
* Option A: Correct. An annuity provides guaranteed income, either fixed or variable, based on the contract terms.
* Option B: Incorrect. A whole life policy is a type of life insurance, not an annuity.
* Option C: Incorrect. Disability insurance covers income loss due to disability, not guaranteed income.
* Option D: Incorrect. A universal life policy is a flexible life insurance product, not an annuity.
This question falls under the Prometric content outline section on "Life Products," which covers annuities and their features.
:
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 (definitions of life insurance products, including annuities).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 136
What is the main reason a Medicare supplement policy is purchased?

A. to cover long-term care services
B. to cover dental services
C. to fill the gaps not covered by Medicare Parts A and B
D. to cover prescription drugs filled at the pharmacy

Answer: C

Explanation:
AMedicare supplement policy(Medigap) is designed to cover out-of-pocket costs not paid by Original Medicare (Parts A and B), such as deductibles, coinsurance, and copayments. The primary reason for purchasing Medigap is tofill the gapsin Medicare coverage, as outlined in Oklahoma's regulations (Title 36 O.
S. § 6217) and federal guidelines (CMS, Medicare & You Handbook). Dental services, long-term care, and prescription drugs are not typically covered by Medigap; these require separate plans (e.g., Medicare Part D for drugs).
* Option A: Incorrect. Dental services are not covered by Medigap; they require separate dental insurance.
* Option B: Incorrect. Long-term care is not covered by Medigap; it requires LTC insurance.
* Option C: Incorrect. Prescription drugs are covered by Medicare Part D, not Medigap.
* Option D: Correct. Medigap fills gaps in Medicare Parts A and B coverage.
:
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 # 137
Premiums paid by the insured for personally owned disability income insurance are

A. tax deferred.
B. tax deductible.
C. not tax deductible.
D. partially tax deductible.

Answer: C

Explanation:
According to IRS guidelines (Publication 502), premiums paid by an individual for personally owned disability income insurancearenot tax deductibleas medical expenses or otherwise, unlike certain health insurance premiums. However, benefits received from such policies are generally tax-free if the insured paid the premiums with after-tax dollars.
* Option A: Correct. Premiums for personally owned disability insurance are not tax deductible.
* Option B: Incorrect. Premiums are not deductible for disability income insurance.
* Option C: Incorrect. There is no partial deduction for these premiums.
* Option D: Incorrect. Tax deferral applies to certain investment products, not disability premiums.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Accident and Health Insurance).
IRS Publication 502 (Medical and Dental Expenses).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 138
Returning part of the commission or giving anything of value to the insured as an inducement to buy a policy is

A. defamation.
B. rebating.
C. coercion.
D. controlled business.

Answer: B

Explanation:
Rebatingis the practice of offering or returning part of a commission, premium, or anything of value to an insured as an inducement to purchase an insurance policy. It is prohibited in Oklahoma under the Unfair Trade Practices Act (Title 36 O.S. § 1204) to ensure fair competition and prevent undue influence.
* Option A: Incorrect. Coercion involves forcing someone to buy insurance, not offering inducements.
* Option B: Incorrect. Defamation is making false statements harming reputation, not related to inducements.
* Option C: Correct. Rebating involves giving value to induce a policy purchase.
* Option D: Incorrect. Controlled business refers to writing insurance primarily for oneself or close associates, not inducements.
This question falls under the Prometric content outline section on "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 # 139
How long is the contestable period for a life insurance policy?

A. 36 months
B. 12 months
C. 6 months
D. 24 months

Answer: D

Explanation:
Thecontestable periodfor a life insurance policy in Oklahoma, as mandated by Title 36 O.S. § 4004, is24 months(2 years) from the policy's issuance. During this period, the insurer can contest the policy's validity based on material misrepresentations in the application (e.g., health or lifestyle). After 2 years, the policy becomes incontestable except for non-payment of premiums or fraud in some cases.
* Option A: Incorrect. 6 months is too short for the contestable period.
* Option B: Incorrect. 12 months is insufficient; the standard is 24 months.
* Option C: Correct. The contestable period is 24 months.
* Option D: Incorrect. 36 months exceeds the standard period.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers the incontestability provision.
:
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 # 140
......

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