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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q61-Q66):

NEW QUESTION # 61
Under a multiple protection policy, the policy that pays on the death of the last person is called

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

Answer: D

Explanation:
Asurvivorship life policy(also called second-to-die insurance) covers two or more individuals and pays the death benefit upon the death of the last insured person. It is often used for estate planning, as opposed to a joint life policy, which pays on the first death (Title 36 O.S. § 4002).
* Option A: Incorrect. Universal life is a flexible single-life policy, not a multiple-person policy.
* Option B: Correct. A survivorship life policy pays on the last insured's death.
* Option C: Incorrect. A joint life policy pays on the first insured's death.
* Option D: Incorrect. An annuity life policy is not a standard term; annuities are separate products.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Life Insurance).
Oklahoma Insurance Department, Title 36 O.S. § 4002 (life insurance products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 62
A type of life insurance policy which provides for the payment of the face amount at the end of the specified period if the insured is still alive, is

A. a juvenile trust.
B. an endowment policy.
C. a universal life insurance policy.
D. a modified life insurance policy.

Answer: B

Explanation:
Anendowment policyis a life insurance product that pays the face amount to the insured if they are alive at the end of a specified period (maturity) or to the beneficiary if the insured dies before maturity. It combines life insurance with a savings component, as defined in Oklahoma's life insurance regulations (Title 36 O.S. §
4002).
* Option A: Incorrect. Universal life is flexible permanent insurance, not tied to a specific maturity payout.
* Option B: Incorrect. Modified life has lower initial premiums, not a maturity payout feature.
* Option C: Correct. An endowment policy pays the face amount at maturity if the insured is alive.
* Option D: Incorrect. A juvenile trust is not a life insurance policy type; it's a financial arrangement.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Life Insurance).
Oklahoma Insurance Department, Title 36 O.S. § 4002 (life insurance products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 63
Accidental death covers death from

A. infections.
B. terminal illness.
C. drowning.
D. self-inflicted wounds.

Answer: C

Explanation:
Accidental death insurance(or accidental death and dismemberment, AD&D) covers death resulting from accidental bodily injury, independent of illness or intentional acts.Drowningis an example of an accidental cause of death typically covered under such policies. Exclusions often include death from illness, infections, or self-inflicted injuries, as outlined in standard policy provisions.
* Option A: Incorrect. Terminal illness is a natural cause, not covered by accidental death insurance.
* Option B: Correct. Drowning is an accidental cause of death, covered by AD&D policies.
* Option C: Incorrect. Infections are typically excluded as they are not accidental injuries.
* Option D: Incorrect. Self-inflicted wounds are intentional and excluded from coverage.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers accidental death coverage.
:
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. § 4001 et seq. (policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 64
Which of the following is a common exclusion from coverage under a medical expense plan?

A. Injury due to recreational sports.
B. Injury caused by repairs or renovations to one's own home.
C. Air travel in a private plane.
D. Injury due to auto accidents.

Answer: C

Explanation:
Medical expense plans often include exclusions for high-risk activities or situations not typically covered under standard health insurance. A common exclusion is injuries or losses resulting fromair travel in a private plane, as this is considered a hazardous activity. Other options, like auto accidents or recreational sports, are generally covered unless specifically excluded, and home repairs are not standard exclusions.
* Option A: Correct. Air travel in a private plane is a common exclusion due to its high-risk nature.
* Option B: Incorrect. Auto accident injuries are typically covered, often coordinated with auto insurance.
* Option C: Incorrect. Recreational sports injuries are usually covered unless the policy specifies otherwise.
* Option D: Incorrect. Injuries from home repairs are not commonly excluded in medical expense plans.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers health insurance exclusions.
:
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. § 4405 (health insurance policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 65
According to the IRS, which premiums may be tax deductible as a medical expense if the taxpayer's medical expenses exceed 10% of their adjusted gross income?

A. Group Disability Insurance premiums
B. Personal Disability Income Insurance premiums
C. Accidental Death and Dismemberment Insurance premiums
D. Long-Term Care Insurance premiums

Answer: D

Explanation:
Per IRS Publication 502,Long-Term Care (LTC) insurance premiumsare considered qualified medical expenses and may be tax deductible if the taxpayer's total medical expenses exceed 10% of their adjusted gross income (AGI), subject to age-based limits on the deductible amount. Premiums for disability income insurance (group or personal) and accidental death and dismemberment (AD&D) insurance are not deductible as medical expenses, as they do not directly relate to medical care.
* Option A: Correct. LTC insurance premiums are deductible as medical expenses, subject to limits.
* Option B: Incorrect. Group disability insurance premiums are not deductible as medical expenses.
* Option C: Incorrect. Personal disability income insurance premiums are not deductible.
* Option D: Incorrect. AD&D insurance premiums are not deductible as medical expenses.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Long-Term Care Policies).
IRS Publication 502 (Medical and Dental Expenses, LTC premiums).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 66
......

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