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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Sample Questions (Q107-Q112):

NEW QUESTION # 107
Term life insurance is more appropriate than whole life insurance when the

A. policyowner desires an accumulation of cash values.
B. insured needs low cost permanent life insurance protection.
C. policyowner wants to borrow against the life insurance policy values.
D. maximum protection is needed, but the insured cannot afford premium payments for permanent insurance.

Answer: D

Explanation:
Term life insuranceprovides coverage for a specific period (e.g., 10, 20 years) at a lower premium cost than whole life insurance, making it ideal for individuals needing maximum death benefit protection but unable to afford the higher premiums of permanent insurance. Unlike whole life, term life does not accumulate cash value or allow policy loans.
* Option A: Incorrect. Borrowing against policy values requires cash value, available in whole life, not term life.
* Option B: Incorrect. Cash value accumulation is a feature of whole life, not term life.
* Option C: Correct. Term life is appropriate for maximum protection at a lower cost when permanent insurance premiums are unaffordable.
* Option D: Incorrect. Term life is not permanent insurance; whole life provides permanent coverage.
This question falls under the Prometric content outline section on "Life Products," which covers the suitability of term versus whole life insurance.
:
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 (definitions of life insurance products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 108
Health benefit plans providing maternity coverage shall provide postpartum home care if childbirth occurs at home within?

A. 24 hours by vaginal delivery.
B. 72 hours by vaginal delivery.
C. 96 hours by vaginal delivery.
D. 48 hours by vaginal delivery.

Answer: D

Explanation:
Oklahoma law (Title 36 O.S. § 6060.9), aligned with the federal Newborns' and Mothers' Health Protection Act (NMHPA), requires health benefit plans providing maternity coverage to offer postpartum home care for mothers and newborns if childbirth occurs at home and the mother is discharged within48 hoursfor a vaginal delivery (or 96 hours for a cesarean section).
* Option A: Incorrect. 24 hours is too short for required postpartum home care.
* Option B: Correct. Postpartum home care is required if discharged within 48 hours for vaginal delivery.
* Option C: Incorrect. 72 hours is not the standard timeframe.
* Option D: Incorrect. 96 hours applies to cesarean deliveries, not vaginal.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: State- Specific Knowledge - Oklahoma Insurance Statutes).
Oklahoma Insurance Department, Title 36 O.S. § 6060.9 (maternity benefits).
NMHPA, 29 U.S.C. § 1185.

NEW QUESTION # 109
Spouses want to purchase a life insurance policy that will pay benefits at the death of the first spouse. This is an example of a

A. joint life policy.
B. survivorship life policy.
C. universal life policy.
D. variable life policy.

Answer: A

Explanation:
Ajoint life policy(also called a first-to-die policy) covers two or more individuals (e.g., spouses) and pays the death benefit upon the death of the first insured. This contrasts with asurvivorship life policy(second-to-die), which pays after both insureds die. Joint life policies are used for purposes like mortgage protection or family income needs (Title 36 O.S. § 4002).
* Option A: Correct. A joint life policy pays benefits at the first spouse's death.
* Option B: Incorrect. A variable life policy is a permanent policy with investment options, not tied to joint coverage.
* Option C: Incorrect. A universal life policy is flexible permanent insurance, not specifically joint.
* Option D: Incorrect. A survivorship life policy pays after both spouses die.
:
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 # 110
Which one of the following types of benefits is often excluded from coverage under an HMO plan?

A. Adult routine eye examinations.
B. Physical examinations.
C. Out-of-area emergency services.
D. In-patient surgeries.

Answer: A

Explanation:
Health Maintenance Organizations (HMOs) focus on preventive and essential medical care within a network.
Adult routine eye examinationsare often excluded from HMO coverage, as they are considered non- essential or covered under separate vision plans. Other services like emergency care, physical exams, and surgeries are typically covered, as per Oklahoma's managed care regulations (Title 36 O.S. § 652 et seq.).
* Option A: Incorrect. Out-of-area emergency services are generally covered by HMOs.
* Option B: Correct. Adult routine eye examinations are often excluded or require separate coverage.
* Option C: Incorrect. Physical examinations are typically covered as preventive care.
* Option D: Incorrect. In-patient surgeries are covered as essential medical services.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Health Providers and Products).
Oklahoma Insurance Department, Title 36 O.S. § 652 et seq. (managed care plans).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 111
Which of the following describes the gatekeeper strategy used by HMOs?

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

Answer: A

Explanation:
In Health Maintenance Organizations (HMOs), thegatekeeper strategyinvolves a primary care physician (PCP) who coordinates patient care and provides referrals to specialists. This ensures that care is managed efficiently and only necessary specialist visits are authorized, aligning with the HMO's cost-containment model.
* Option A: Incorrect. Refusing coverage for preexisting conditions is unrelated to the gatekeeper role and is regulated by HIPAA, not HMO strategy.
* Option B: Correct. The gatekeeper strategy requires referrals from a PCP to see specialists, a hallmark of HMO plans.
* Option C: Incorrect. HMOs encourage preventive care, not preventing service use, to manage costs.
* Option D: Incorrect. Supplemental services at additional cost are not part of the gatekeeper strategy.
This question falls under the Prometric content outline section on "Health Providers and Products," which covers HMO structures and strategies.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Health Providers and Products).
Oklahoma Insurance Department, Title 36 O.S. § 652 et seq. (managed care regulations).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

NEW QUESTION # 112
......

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