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Ok-Life-Accident-and-Health-or-Sickness-Producer熱門考古題&有效Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer考試：Oklahoma Life, Accident, and Health or Sickness Producer Exam

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在生活中我們不要不要總是要求別人給我什麼，要想我能為別人做什麼。工作中你能為老闆創造很大的價值，老闆當然在乎你的職位，包括薪水。一樣的道理，如果我們一直屈服於一個簡單的IT職員，遲早會被淘汰，我們應該努力通過IT認證，一步一步走到最高層，Fast2test Insurance Licensing的Ok-Life-Accident-and-Health-or-Sickness-Producer考試認證的練習題及答可以幫助我們快捷方便的通往成功的道路，而且享受保障政策，已經有很多IT人士在行動了，就在Fast2test Insurance Licensing的Ok-Life-Accident-and-Health-or-Sickness-Producer考試培訓資料，當然不會錯過。

最新的 Insurance Licensing Certification Ok-Life-Accident-and-Health-or-Sickness-Producer 免費考試真題 (Q112-Q117):

問題 #112
Employees covered by an employer health plan are issued an insurance

A. covenant.
B. contract.
C. policy.
D. certificate.

答案：D

解題說明：
In group health insurance, the employer or group sponsor receives themaster policy, while employees covered under the plan are issued acertificate of insurance, which summarizes their coverage but is not the policy itself, as per Oklahoma's regulations (Title 36 O.S. § 6060.3).
* Option A: Incorrect. Employees do not receive individual policies; the employer holds the master policy.
* Option B: Incorrect. The contract is the master policy, not issued to employees.
* Option C: Incorrect. "Covenant" is not an insurance term.
* Option D: Correct. Employees receive a certificate of 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. § 6060.3 (group health insurance provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

問題 #113
Which of the following is one of the MAIN tasks of a field underwriter?

A. Obtaining a Medical Information Bureau (MIB) report.
B. Ensure the accuracy and completeness of an individual's medical information.
C. Approving an individual's policy.
D. Editing an applicant's report to ensure approval.

答案：B

解題說明：
Afield underwriter, typically an insurance producer, gathers initial information from applicants to assess their insurability and ensure the application is accurate and complete. A main task is ensuring the accuracy and completeness of an individual's medical information, as this is critical for the insurer's underwriting decision. Field underwriters do not approve policies or edit reports to guarantee approval; they facilitate the process by providing reliable data.
* Option A: Incorrect. Editing reports to ensure approval is unethical and not a field underwriter's role.
* Option B: Incorrect. Approving policies is the role of the insurer's underwriting department, not the field underwriter.
* Option C: Correct. Ensuring accuracy and completeness of medical information is a key task of a field underwriter.
* Option D: Incorrect. Obtaining an MIB report is typically done by the insurer, not the field underwriter.
This question aligns with the Prometric content outline under "Underwriting," which covers the role of field underwriters.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Underwriting).
Oklahoma Insurance Department, Title 36 O.S. § 1204 (insurance business conduct).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

問題 #114
An endorsement to an insurance policy that modifies clauses and provisions of the policy is referred to as

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

答案：D

解題說明：
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.

問題 #115
How long is the contestable period for a life insurance policy?

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

答案：B

解題說明：
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.

問題 #116
Under a group life policy, the policyowner is entitled to a grace period of 31 days for the payment of any premium due EXCEPT the first. During the grace period, the death benefit coverage shall

A. be discontinued.
B. be 75%.
C. continue in force.
D. be 50%.

答案：C

解題說明：
Under Oklahoma insurance law and standard group life insurance provisions, a group life policy includes a mandatory grace period of 31 days for the payment of premiums (except the first premium, which must be paid to initiate coverage). During this grace period, the policy remains in force, and the full death benefit is payable if the insured dies, provided the premium is eventually paid or the policy has not lapsed.
* Option A: Incorrect. Coverage is not discontinued during the grace period; it continues to protect the insured.
* Option B: Incorrect. The death benefit is not reduced to 50% during the grace period; it remains at
100% of the policy's face amount.
* Option C: Correct. The death benefit coverage continues in force during the 31-day grace period, as mandated by Oklahoma law.
* Option D: Incorrect. The death benefit is not reduced to 75%; it remains fully in effect.
This provision is outlined in Oklahoma statutes and aligns with the Prometric exam content outline under
"Provisions, Options, Exclusions, Riders, Clauses, and Rights," which includes knowledge of grace periods in group life policies.
:
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. § 4105 (grace period requirements for group life insurance).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

問題 #117
......

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