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Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer real answers - Oklahoma Life, Accident, and Health or Sickness Producer Exam

Ok-Life-Accident-and-Health-or-Sickness-Producer
  • Exam Code: Ok-Life-Accident-and-Health-or-Sickness-Producer
  • Exam Name: Oklahoma Life, Accident, and Health or Sickness Producer Exam
  • Updated: Dec 13, 2025
  • Q & A: 157 Questions and Answers
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About Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Exam guide

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Sample Questions:

1. In terms of consideration, in which of the following circumstances is a health insurance contract effective?

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


2. To apply for a life or health insurance policy,

A) all possible serious medical conditions must be diagnosed and recorded.
B) the insured individual's medical history may be reviewed and reported.
C) a physical examination must be performed by a licensed physician.
D) the insured must report all information about family illnesses.


3. Which of the following is an Unfair Claims Settlement Practices Act under Oklahoma law?

A) failing to interview all involved parties within 45 days of the filing of proof of loss forms.
B) not maintaining an audit trail of premium history and claim transactions.
C) knowingly misrepresenting to a claimant pertinent facts or policy provisions that relate to coverage.
D) failing to maintain complete policy notes involving claims.


4. A common disaster provision states that if the beneficiary dies from the same accident as the insured individual, the insurer will proceed as if the

A) beneficiary was never named on the policy.
B) insured individual outlived the beneficiary.
C) beneficiary and the insured individual died simultaneously.
D) beneficiary outlived the insured individual.


5. 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 terminal illness.
C) has a dependent with a serious illness.
D) becomes disabled.


Solutions:

Question # 1
Answer: A
Question # 2
Answer: B
Question # 3
Answer: C
Question # 4
Answer: D
Question # 5
Answer: B

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