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Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Overview:
| Certification Vendor: | Oklahoma Insurance Department |
|---|---|
| Exam Name: | Oklahoma Life, Accident, and Health or Sickness Producer Exam |
| Exam Number: | Ok-Life-Accident-and-Health-or-Sickness-Producer |
| Exam Format: | Closed-book, Computer-based, Multiple-choice |
| Real Exam Qty: | 155 (150 scored, 5 unscored pretest) |
| Related Certifications: | Life Producer License Health or Sickness Producer License Accident and Health Producer License |
| Available Languages: | English |
| Passing Score: | 70% |
| Exam Price: | $44.00 USD |
| Certificate Validity Period: | 2 years (renewable every 2 years with continuing education) |
| Exam Duration: | 150 minutes |
| Recommended Training: | Prometric Candidate Information Bulletin Oklahoma Insurance Department Study Resources |
| Exam Registration: | Prometric Registration Oklahoma Insurance Department Exam Page |
| Sample Questions: | Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Sample Questions |
| Exam Way: | In-person at Prometric test centers or online remote proctored |
| Pre Condition: | Be at least 18 years old; no pre-licensing education required in Oklahoma; no prior license needed |
| Official Syllabus URL: | https://www.oid.ok.gov/licensing/producer-licensing/exam-information/ |
Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Oklahoma State-Specific Knowledge | 28% | - Consumer Protection and Ethics
|
| General Insurance Knowledge | 72% | - Annuities
|
Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Sample Questions:
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 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.
- B. 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.
- 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 is subject to being re-underwritten in terms of his current health conditions because he cannot be penalized with more restrictive coverage.
Correct Answer: B 🗳️
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Under the Fair Credit Reporting Act, a consumer report includes
- A. any report containing information solely as to transactions between the consumer and the person making the report.
- B. any authorizations or approval of a specific extension of credit, directly or indirectly, by the issuer of a credit card.
- C. communication of information by a consumer reporting agency bearing on a consumer's credit standing, worthiness, or personal characteristics.
- D. communication of information among persons related by common ownership.
Correct Answer: C 🗳️
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Which of the following provisions allows a person to temporarily give up a portion of their ownership rights to secure a loan?
- A. Entire contract.
- B. Reinstatement.
- C. Automatic premium loan.
- D. Collateral assignment.
Correct Answer: D 🗳️
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If a primary beneficiary dies, life insurance benefits are then paid to
- A. no one.
- B. the sub-primary beneficiaries.
- C. the tertiary beneficiaries.
- D. the contingent beneficiaries.
Correct Answer: D 🗳️
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All of the following describe a whole life policy EXCEPT
- A. a policy of $1,000 minimum.
- B. premiums are payable until death.
- C. provides coverage for the life of the policyholder.
- D. provides a death benefit only.
Correct Answer: A 🗳️
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By Adela
