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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: Sep 05, 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. Which of the following describes the gatekeeper strategy used by HMOs?

A) The emphasis on preventing enrollees from using patient services.
B) The process of obtaining referrals to specialists from primary care physicians.
C) The use of supplemental services on an additional cost basis.
D) The refusal of coverage for patients with preexisting conditions.


2. How does a survivorship life policy payout?

A) upon attainment of a fixed age
B) upon granting of a divorce decree
C) upon the death of the first insured
D) upon the death of the last surviving insured


3. Oklahoma resident Joe served in the military the past 4 years. When he returned and tried to reinstate his individual health insurance policy, he was denied coverage. His producer stated that because he was covered under a government plan he would be required to be re-underwritten as a new applicant subject to more restrictive coverage and increased premiums. Which of the following is TRUE?

A) Joe is subject to being re-underwritten in terms of his current health conditions because he cannot be penalized with more restrictive coverage.
B) Joe is not required to undergo the initial underwriting process but he cannot be reinstated under his personal plan unless he is free of pre-existing conditions.
C) Joe cannot be denied reinstatement in his prior individual health insurance policy unless the federal government denies him coverage based on health conditions unrelated to his military service.
D) Joe cannot be denied reinstatement into his same individual health insurance policy that lapsed as a result of Joe becoming covered by a government-sponsored health plan.


4. Under the unpaid premium Uniform Optional Provision, if there is an unpaid premium at the time a health claim becomes payable, then the

A) premium is deducted from the claim.
B) policy is cancelled.
C) claim is delayed until payment of the premium.
D) claim is denied.


5. Under a multiple protection policy, the policy that pays on the death of the last person is called

A) an annuity life policy.
B) a universal life policy.
C) a joint life policy.
D) a survivorship life policy.


Solutions:

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

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