Ok-Life-Accident-and-Health-or-Sickness-Producer참고자료 - Ok-Life-Accident-and-Health-or-Sickness-Producer시험패스인증덤프자료

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Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer시험패스 인증덤프자료 & Ok-Life-Accident-and-Health-or-Sickness-Producer시험대비 최신버전 덤프

Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer 덤프로 많은 분들께서 Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer시험을 패스하여 자격증을 취득하게 도와드렸지만 저희는 자만하지않고 항상 초심을 잊지않고 더욱더 퍼펙트한Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer덤프를 만들기 위해 모든 심여를 기울일것을 약속드립니다.

최신 Insurance Licensing Certification Ok-Life-Accident-and-Health-or-Sickness-Producer 무료샘플문제 (Q68-Q73):

질문 # 68
How does a survivorship life policy payout?

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

정답：D

설명：
Asurvivorship life policy(second-to-die insurance) covers two or more individuals (typically spouses) and pays the death benefitupon the death of the last surviving insured. It is often used for estate planning, as defined in Oklahoma's life insurance regulations (Title 36 O.S. § 4002). This contrasts with a joint life policy, which pays on the first death.
* Option A: Incorrect. Payout is not tied to a fixed age but to the last insured's death.
* Option B: Incorrect. Divorce does not trigger a payout; it may affect ownership or beneficiaries.
* Option C: Incorrect. Payout occurs on the last insured's death, not the first.
* Option D: Correct. The policy pays upon the death of the last surviving insured.
:
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.

질문 # 69
In a term life insurance policy, premiums may be increased at the renewal of the policy. Prior to renewal, the premiums would be considered

A. level.
B. adjustable.
C. variable.
D. convertible.

정답：A

설명：
In aterm life insurance policy, premiums are typicallylevelduring the policy term (e.g., 10, 20 years), meaning they remain constant. At renewal, premiums may increase based on the insured's attained age, but during the initial term, they are fixed, as outlined in Oklahoma's life insurance regulations (Title 36 O.S. §
4002).
* Option A: Incorrect. Convertible refers to a policy's ability to convert to permanent insurance, not premium structure.
* Option B: Correct. Premiums are level during the term prior to renewal.
* Option C: Incorrect. Variable premiums apply to certain flexible policies like universal life, not term.
* Option D: Incorrect. Adjustable premiums are not a standard term for level term policies.
:
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.

질문 # 70
One area in which errors are commonly made on life insurance applications and for which the incontestable clause does NOT apply is

A. education level.
B. age.
C. occupation.
D. state of residence.

정답：B

설명：
Theincontestable clausein life insurance policies, mandated in Oklahoma (Title 36 O.S. § 4004), prevents the insurer from contesting the policy after a specified period (typically 2 years) except for non-payment of premiums. However, errors inageor sex on the application are an exception; insurers can adjust the death benefit or premiums to reflect the correct age, even after the incontestable period, as these errors affect the policy's pricing. Other factors like occupation, education, or residence do not typically have this exception.
* Option A: Incorrect. Errors in occupation are contestable within the 2-year period but not after.
* Option B: Correct. Errors in age are not covered by the incontestable clause and can lead to adjustments.
* Option C: Incorrect. Education level is not typically material to life insurance underwriting.
* Option D: Incorrect. State of residence errors are not an exception to the incontestable clause.
:
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.

질문 # 71
When would a supplemental attending physician's statement be appropriate for life or health insurance purposes?

A. At the request of the insurance company without knowledge or approval of the applicant.
B. At the request of the insurance company when it could affect the underwriting decision but with the consent of the applicant.
C. At the request of the insurance applicant to be submitted with the life insurance application.
D. As a matter of routine when the applicant signs the life insurance application.

정답：B

설명：
Asupplemental attending physician's statement (APS)is requested by the insurer during underwriting when additional medical information is needed to assess the applicant's risk, particularly if it could affect the underwriting decision. Oklahoma regulations (Title 36 O.S. § 1204) and HIPAA require the applicant's consent for obtaining medical records, ensuring privacy and transparency.
* Option A: Incorrect. An APS is not routine; it's requested based on specific needs.
* Option B: Incorrect. The applicant's consent is required for medical information requests.
* Option C: Incorrect. Applicants typically do not request an APS; insurers do.
* Option D: Correct. An APS is appropriate when requested by the insurer with the applicant's consent for underwriting purposes.
:
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.

질문 # 72
The change of beneficiary provision states that the insured has the right to change the beneficiary unless the beneficiary is

A. irrevocable.
B. deceased.
C. uninsurable.
D. power of attorney.

정답：A

설명：
Thechange of beneficiary provisionallows the policyowner (often the insured) to change the beneficiary at any time unless the beneficiary is designated asirrevocable. An irrevocable beneficiary cannot be changed without their consent, as specified in Oklahoma's life insurance regulations (Title 36 O.S. § 4001 et seq.).
* Option A: Incorrect. Insurability of the beneficiary does not affect the right to change them.
* Option B: Correct. An irrevocable beneficiary cannot be changed without their consent.
* Option C: Incorrect. Power of attorney affects legal authority, not beneficiary changes.
* Option D: Incorrect. A deceased beneficiary can be replaced without restriction.
:
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. § 4001 et seq. (beneficiary provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

질문 # 73
......

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Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer시험패스 인증덤프자료 & Ok-Life-Accident-and-Health-or-Sickness-Producer시험대비 최신버전 덤프

최신 Insurance Licensing Certification Ok-Life-Accident-and-Health-or-Sickness-Producer 무료샘플문제 (Q68-Q73):

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