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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Sample Questions:

1. Oklahoma resident Joe served in the military the past 4 years. When he returned and tried to reinstate his individual health insurance policy, he was denied coverage. His producer stated that because he was covered under a government plan he would be required to be re-underwritten as a new applicant subject to more restrictive coverage and increased premiums. Which of the following is TRUE?

A) Joe cannot be denied reinstatement into his same individual health insurance policy that lapsed as a result of Joe becoming covered by a government-sponsored health plan.
B) Joe cannot be denied reinstatement in his prior individual health insurance policy unless the federal government denies him coverage based on health conditions unrelated to his military service.
C) Joe is subject to being re-underwritten in terms of his current health conditions because he cannot be penalized with more restrictive coverage.
D) Joe is not required to undergo the initial underwriting process but he cannot be reinstated under his personal plan unless he is free of pre-existing conditions.

2. An agent's underwriting duties include which of the following?

A) Declining or accepting an application.
B) Issuing the policy.
C) Setting premium amounts.
D) Completing all applications and collecting initial premiums.

3. Ordinary life insurance should BEST be viewed by the consumer as

A) temporary protection for the life expectancy of the policyowner with accumulating cash values throughout the life of the policy.
B) an endowment type of policy that provides limited payment type of life insurance based on the level of income earned.
C) temporary protection during the policyowner's income-earning years with cash values payable during non-earning periods.
D) a type of policy that provides permanent protection and some flexibility for the lowest total premium outlay.

4. Under the unpaid premium Uniform Optional Provision, if there is an unpaid premium at the time a health claim becomes payable, then the

A) premium is deducted from the claim.
B) policy is cancelled.
C) claim is denied.
D) claim is delayed until payment of the premium.

5. Both husband and wife have group health insurance through their employers. Each spouse is covered under both policies. Under the coordination of benefits provision, how will the benefits be paid if the wife incurs a
$400 covered loss?

A) Only the primary insurer will pay expenses toward the loss under the limits of the plan.
B) The primary insurer will pay as much of the claim as the policy permits, then the secondary insurer will pay the remainder of the claim as its policy permits.
C) Only the wife's insurer will pay expenses toward the loss.
D) The husband's insurer will pay as much of the claim as the policy permits, then the wife's insurer will pay the remainder.

Solutions: