Ok-Life-Accident-and-Health-or-Sickness-Producer問題集、Insurance Licensing実際の試験問題

質問 1

A type of life insurance policy which provides for the payment of the face amount at the end of the specified period if the insured is still alive, is

A. a modified life insurance policy.

B. an endowment policy.

C. a juvenile trust.

D. a universal life insurance policy.

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 2

Long-Term Care Policies exclude coverage for all of the following EXCEPT

A. acts of war while serving in the military.

B. self-inflicted injuries.

C. Alzheimer's disease.

D. alcoholism or drug addiction.

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 3

The Oklahoma Insurance Commissioner may place on probation, censure, suspend, revoke, or refuse to issue a license to an applicant for all of the following causes EXCEPT

A. providing incorrect, misleading, or materially untrue information in the license application.

B. having admitted to have committed fraud.

C. having been convicted of a misdemeanor.

D. failing to pay state taxes.

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 4

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

A. state of residence.

B. education level.

C. occupation.

D. age.

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 5

Which of the following describes the gatekeeper strategy used by HMOs?

A. The use of supplemental services on an additional cost basis.

B. The emphasis on preventing enrollees from using patient services.

C. The process of obtaining referrals to specialists from primary care physicians.

D. The refusal of coverage for patients with preexisting conditions.

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 6

The primary reason for purchasing life insurance is to provide

A. safety of principal.

B. death benefits.

C. tax deduction.

D. retirement income.

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 7

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

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

D. failing to maintain complete policy notes involving claims.

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 8

What is it called when a health insurance policy terminates and the policyholder is allowed to receive benefits past the termination date of the policy?

A. notification statement.

B. duration of coverage.

C. extension of benefits.

D. qualifying event.

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 9

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

A. At the request of the insurance company when it could affect the underwriting decision but with the consent of the applicant.

B. As a matter of routine when the applicant signs the life insurance application.

C. At the request of the insurance company without knowledge or approval of the applicant.

D. At the request of the insurance applicant to be submitted with the life insurance application.

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 10

Which of the following is NOT a key factor in underwriting life insurance?

A. Age.

B. Family history.

C. Tobacco use.

D. Marital status.

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 11

An insured individual takes out a life insurance policy on himself and commits suicide 13 months later. Since the policy has an expressed provision limiting the liability of the insurer against suicide, the insurer is

A. liable for the full value of the policy if the insured individual was proven to be insane at the time of his death.

B. liable to pay the full value of the policy.

C. obligated to reimburse the amount of the premiums paid for the policy.

D. not liable to make any payouts on the policy.

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 12

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

A. stops paying the premium.

B. is not notified within 60 days of the contractual changes.

C. becomes disabled.

D. files for bankruptcy.

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 13

Transacting insurance includes any of the following EXCEPT

A. preliminary negotiations.

B. gathering prospective buyer information.

C. delivering insurance contracts.

D. selling insurance.

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 14

All of the following are Medicare Advantage Plans EXCEPT

A. Health Maintenance Organization (HMO).

B. Social Security Disability Income (SSDI).

C. Preferred Provider Organization (PPO).

D. Private Fee-For-Service (PFFS).

正解: B

解説: (PassTest メンバーにのみ表示されます)

Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer - Ok-Life-Accident-and-Health-or-Sickness-Producer 模擬練習