[2026] Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer - Ok-Life-Accident-and-Health-or-Sickness-Producer 무료 시험 문제

문제1

A policyowner purchased a whole life policy. How long after purchase can the policyowner borrow against the cash value of the policy?

A. never

B. 1 year

C. 2 years

D. 3 years

정답: B

설명: (Fast2test 회원만 볼 수 있음)

문제2

A deliberate lie by an insured to the insurer to obtain a lower premium is an example of

A. fraud.

B. aleatory.

C. omission.

D. concealment.

정답: A

설명: (Fast2test 회원만 볼 수 있음)

문제3

Which of the following is an Unfair Claims Settlement Practices Act under Oklahoma law?

A. failing to interview all involved parties within 45 days of the filing of proof of loss forms.

B. not maintaining an audit trail of premium history and claim transactions.

C. knowingly misrepresenting to a claimant pertinent facts or policy provisions that relate to coverage.

D. failing to maintain complete policy notes involving claims.

정답: C

설명: (Fast2test 회원만 볼 수 있음)

문제4

The process by which an insurer decides whether to issue a policy is known as

A. selection.

B. risk pooling.

C. classification.

D. underwriting.

정답: D

설명: (Fast2test 회원만 볼 수 있음)

문제5

Which of the following is a potential DISADVANTAGE of a fixed annuity?

A. There is no guaranteed specific benefit amount to the annuitant.

B. The insured invests payments in variable securities, and the return fluctuates with an uncertain economic market.

C. Payments continue only for a maximum of 2 years after the annuitant's death.

D. Annuitants could experience a decrease in the purchasing power of their payments over a period of years due to inflation.

정답: D

설명: (Fast2test 회원만 볼 수 있음)

문제6

In regards to advertising, insurers are responsible for which of the following?

A. maintaining control of communications between agents.

B. maintaining control over the cost of production.

C. maintaining control over the cost of delivery.

D. maintaining control over content and form.

정답: D

설명: (Fast2test 회원만 볼 수 있음)

문제7

The insured is dissatisfied with the handling of a claim. How long does the insured have to bring a lawsuit against the insurer?

A. 1 year

B. 5 years

C. 7 years

D. 3 years

정답: B

설명: (Fast2test 회원만 볼 수 있음)

문제8

Upon surrender of a whole life insurance policy, which has been in force for AT LEAST 3 full years, and within 60 days after the date the premium payment is due and unpaid, the insurer will

A. pay a cash surrender value.

B. extend the grace period.

C. refund premium.

D. reimburse all paid premiums.

정답: A

설명: (Fast2test 회원만 볼 수 있음)

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