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Ok-Life-Accident-and-Health-or-Sickness-Producer Oklahoma Life, Accident, and Health or Sickness Producer Exam neueste Studie Torrent & Ok-Life-Accident-and-Health-or-Sickness-Producer tatsächliche prep Prüfung

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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam Ok-Life-Accident-and-Health-or-Sickness-Producer Prüfungsfragen mit Lösungen (Q105-Q110):

105. Frage
Under the Standard Nonforfeiture Law, any cash value accumulation MUST be made available to the policyowner if the policyowner

A. is not notified within 60 days of the contractual changes.
B. files for bankruptcy.
C. stops paying the premium.
D. becomes disabled.

Antwort: C

Begründung:
TheStandard Nonforfeiture Law, codified in Oklahoma at Title 36 O.S. § 4029, requires life insurance policies with cash value to provide nonforfeiture benefits if the policyowner stops paying premiums. These benefits ensure the policyowner can access the accumulated cash value through options like a cash surrender value, extended term insurance, or reduced paid-up insurance, preventing total loss of the policy's value.
* Option A: Correct. If the policyowner stops paying premiums, the cash value must be made available per the nonforfeiture law.
* Option B: Incorrect. Contractual changes are governed by policy provisions, not nonforfeiture laws.
* Option C: Incorrect. Disability may trigger a waiver of premium rider, but it does not directly relate to nonforfeiture benefits.
* Option D: Incorrect. Bankruptcy does not trigger nonforfeiture benefits; it may involve creditor claims but is unrelated to premium cessation.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which includes nonforfeiture provisions.
:
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. § 4029 (standard nonforfeiture law).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

106. Frage
All of the following are Medicare Advantage Plans EXCEPT

A. Private Fee-For-Service (PFFS).
B. Social Security Disability Income (SSDI).
C. Preferred Provider Organization (PPO).
D. Health Maintenance Organization (HMO).

Antwort: B

Begründung:
Medicare Advantage (Part C)plans are private health plans approved by Medicare, includingPPOs,HMOs, andPFFSplans, which provide an alternative to Original Medicare.Social Security Disability Income (SSDI) is a federal program providing income support for disabled individuals, not a Medicare Advantage plan.
* Option A: Incorrect. PPO plans are a type of Medicare Advantage plan.
* Option B: Incorrect. HMO plans are a type of Medicare Advantage plan.
* Option C: Incorrect. PFFS plans are a type of Medicare Advantage plan.
* Option D: Correct. SSDI is not a Medicare Advantage plan; it is a disability income program.
This question aligns with the Prometric content outline under "Medicare," which covers Medicare Advantage plans.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Medicare).
Oklahoma Insurance Department, Title 36 O.S. § 6217 (Medicare supplement insurance).
CMS, Medicare & You Handbook (Medicare Advantage plans).

107. Frage
If a primary beneficiary dies, life insurance benefits are then paid to

A. the contingent beneficiaries.
B. the sub-primary beneficiaries.
C. the tertiary beneficiaries.
D. no one.

Antwort: A

Begründung:
In a life insurance policy, theprimary beneficiaryis the first in line to receive the death benefit. If the primary beneficiary predeceases the insured, the benefits are paid to thecontingent (or secondary) beneficiaries, as specified in the policy. If no contingent beneficiaries are named, the benefits typically go to the insured's estate, but "contingent beneficiaries" is the correct choice here (Title 36 O.S. § 4001 et seq.).
* Option A: Incorrect. Benefits are not paid to "no one"; they go to contingent beneficiaries or the estate.
* Option B: Incorrect. "Tertiary beneficiaries" is not a standard term in life insurance.
* Option C: Correct. Contingent beneficiaries receive benefits if the primary beneficiary dies.
* Option D: Incorrect. "Sub-primary beneficiaries" is not a recognized term.
:
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 designations).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

108. Frage
Which of the following describes the gatekeeper strategy used by HMOs?

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

Antwort: D

Begründung:
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.

109. Frage
The primary reason for purchasing life insurance is to provide

A. safety of principal.
B. tax deduction.
C. retirement income.
D. death benefits.

Antwort: D

Begründung:
The primary purpose of life insurance is to provide adeath benefit, which is a financial payout to beneficiaries upon the insured's death, ensuring financial protection for dependents or obligations (Title 36 O.
S. § 4002). While some policies offer cash value or tax advantages, these are secondary to the death benefit.
* Option A: Incorrect. Tax deductions are not the primary reason; they may apply to specific scenarios but are secondary.
* Option B: Correct. Death benefits are the primary reason for purchasing life insurance.
* Option C: Incorrect. Retirement income is a goal of annuities or cash value policies, not the primary purpose.
* Option D: Incorrect. Safety of principal relates to investments, not the core purpose of 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 (life insurance products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

110. Frage
......

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