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Interactive Ok-Life-Accident-and-Health-or-Sickness-Producer Questions - New Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Cram

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q120-Q125):

NEW QUESTION # 120
In Oklahoma, a foreign insurer is one formed under the laws of

A. Oklahoma or under the laws of a state geographically bordering Oklahoma.
B. a country other than the United States.
C. Oklahoma.
D. another state or government of the United States.

Answer: D

Explanation:
In Oklahoma's Insurance Code (Title 36 O.S. § 105), aforeign insureris defined as an insurance company formed under the laws of another U.S. state or territory. This distinguishes it from adomestic insurer(formed in Oklahoma) and analien insurer(formed in a foreign country).
* Option A: Incorrect. An insurer formed in Oklahoma is a domestic insurer.
* Option B: Incorrect. An insurer from a foreign country is an alien insurer.
* Option C: Correct. A foreign insurer is formed under the laws of another U.S. state or government.
* Option D: Incorrect. Geographic proximity is irrelevant; the definition is based on legal formation.
This question aligns with the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers insurer classifications.
:
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. § 105 (definitions of insurers).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 121
Misrepresenting the advantages and benefits of a new policy to induce replacement of an existing policy is

A. defamation.
B. twisting.
C. rebating.
D. forfeiting.

Answer: B

Explanation:
Twistingis the unethical practice of using misrepresentation or incomplete information to persuade an insured to replace an existing policy with a new one, often to their detriment. It is prohibited under Oklahoma's Unfair Trade Practices Act (Title 36 O.S. § 1204) to protect consumers from deceptive sales practices.
* Option A: Incorrect. Rebating involves offering a portion of the premium or other inducements to purchase insurance.
* Option B: Correct. Twisting involves misrepresenting benefits to induce policy replacement.
* Option C: Incorrect. Defamation is making false statements harming someone's reputation, not policy replacement.
* Option D: Incorrect. Forfeiting is not a term related to policy replacement practices.
This question aligns with 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 # 122
On an individual insurance application, which of the following signatures is NOT required?

A. The producer.
B. Applicant.
C. Insured if different from the applicant.
D. The insurer.

Answer: D

Explanation:
An individual insurance application typically requires signatures from theapplicant(the person applying for the policy), theinsured(if different from the applicant, e.g., a parent applying for a child), and theproducer(to certify the information provided). Theinsurerdoes not sign the application, as their acceptance is indicated by issuing the policy, per Oklahoma's insurance application processes (Title 36 O.S. § 1435.2).
* Option A: Incorrect. The applicant's signature is required to confirm the application details.
* Option B: Incorrect. The insured's signature is required if they are not the applicant.
* Option C: Incorrect. The producer's signature is required to verify the application process.
* Option D: Correct. The insurer's signature is not required on the application.
This question falls under the Prometric content outline section on "Underwriting," which covers application requirements.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Underwriting).
Oklahoma Insurance Department, Title 36 O.S. § 1435.2 (producer responsibilities).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 123
How is ownership of a mutual insurance company evidenced?

A. ownership of a policy
B. certificate of deposit
C. bonds of the company
D. ownership of stock

Answer: A

Explanation:
Amutual insurance company, as defined in Oklahoma's Insurance Code (Title 36 O.S. § 105), is owned by its policyholders, not shareholders. Ownership is evidenced byownership of a policy, as policyholders share in the company's profits through dividends (in participating policies) and have voting rights in the company's governance.
* Option A: Incorrect. Mutual insurers do not issue stock; stock ownership applies to stock insurers.
* Option B: Incorrect. Bonds represent debt, not ownership, in any company.
* Option C: Correct. Ownership in a mutual insurer is evidenced by holding a policy.
* Option D: Incorrect. A certificate of deposit is a banking product, not related to insurer ownership.
This question aligns with the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers types of insurers and their ownership structures.
:
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. § 105 (definitions of insurers).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 124
An endorsement to an insurance policy that modifies clauses and provisions of the policy is referred to as

A. a rider.
B. an add-on.
C. an attachment.
D. a supplement.

Answer: A

Explanation:
Arideris an endorsement or amendment to an insurance policy that modifies its clauses, provisions, or coverage. Riders can add, remove, or alter benefits, such as adding coverage for a specific condition or family members in life or health insurance policies. The term is standard in Oklahoma insurance law and practice.
* Option A: Incorrect. An attachment is not a specific insurance term for policy modifications.
* Option B: Incorrect. A supplement may refer to additional coverage but is not the standard term for policy endorsements.
* Option C: Correct. A rider is an endorsement that modifies policy provisions.
* Option D: Incorrect. "Add-on" is not a formal insurance term for policy modifications.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers policy endorsements.
:
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. § 4001 et seq. (policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 125
......

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