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Ok-Life-Accident-and-Health-or-Sickness-Producer權威認證 & Ok-Life-Accident-and-Health-or-Sickness-Producer真題

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最新的 Insurance Licensing Certification Ok-Life-Accident-and-Health-or-Sickness-Producer 免費考試真題 (Q46-Q51):

問題 #46
Generally, all of the following apply to group life insurance EXCEPT

A. evidence of insurability is not required.
B. it is priced according to the risk factors of the group.
C. individual underwriting is not required.
D. the insured pays a higher rate for the group policy.

答案：D

解題說明：
Group life insurance is typically provided through an employer or organization, covering multiple individuals under a single master policy. It does not require individual underwriting or evidence of insurability for most members, and premiums are based on the group's overall risk factors (e.g., age, occupation), as outlined in Oklahoma's Insurance Code (Title 36 O.S. § 4101 et seq.). A key advantage is that group policies generally havelower ratesper individual compared to individual policies due to risk pooling, making the statement that insureds pay a higher rate incorrect.
* Option A: Incorrect (applies). Individual underwriting is not required; the group is assessed as a whole.
* Option B: Incorrect (applies). Evidence of insurability is typically not required for standard group coverage.
* Option C: Incorrect (applies). Pricing is based on the group's risk factors.
* Option D: Correct (does not apply). Group life insurance rates are generally lower, not higher, than individual policies.
:
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. § 4101 et seq. (group life insurance provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

問題 #47
If a primary beneficiary dies, life insurance benefits are then paid to

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

答案：C

解題說明：
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.

問題 #48
How does a survivorship life policy payout?

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

答案：A

解題說明：
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.

問題 #49
The insurer will issue to the policyowner, for delivery to each person insured under a group life policy, an individual:

A. policy.
B. rider.
C. application.
D. certificate.

答案：D

解題說明：
Under Oklahoma law (Title 36 O.S. § 4105), for group life insurance, the insurer issues amaster policyto the group policyowner (e.g., employer). Each insured individual receives acertificate of insurance, which summarizes the coverage provided under the master policy but is not a separate policy itself.
* Option A: Incorrect. An individual policy is not issued; the master policy covers the group.
* Option B: Correct. A certificate is issued to each insured person under a group life policy.
* Option C: Incorrect. An application is part of the enrollment process, not issued to insureds.
* Option D: Incorrect. A rider modifies a policy, not issued to insured individuals.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers group life insurance 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. § 4105 (group life insurance provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

問題 #50
An alien insurer is which one of the following?

A. One formed under the laws of a state other than Oklahoma.
B. One formed under the laws of a country other than the United States of America.
C. One formed under the laws of Oklahoma.
D. One formed under the laws of a state geographically bordering Oklahoma.

答案：B

解題說明：
Analien insurer, as defined in Oklahoma's Insurance Code (Title 36 O.S. § 105), is an insurance company formed under the laws of a country other than the United States. This distinguishes it from domestic insurers (formed in Oklahoma) and foreign insurers (formed in another U.S. state).
* Option A: Incorrect. An insurer formed in Oklahoma is a domestic insurer.
* Option B: Incorrect. An insurer formed in another U.S. state is a foreign insurer.
* Option C: Correct. An alien insurer is formed under the laws of a foreign country.
* Option D: Incorrect. Geographic proximity is irrelevant; the distinction is based on legal formation.
This question is part of the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers insurer classifications.
:
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. § 105 (definitions of insurers).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

問題 #51
......

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