(2025) Ok-Life-Accident-and-Health-or-Sickness-Producer Dumps and Practice Test (157 Questions) [Q84-Q98]

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(2025) Ok-Life-Accident-and-Health-or-Sickness-Producer Dumps and Practice Test (157 Questions)

Guide (New 2025) Actual Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Questions

NO.84 Health benefit plans providing maternity coverage shall provide postpartum home care if childbirth occurs at home within?

24 hours by vaginal delivery.

48 hours by vaginal delivery.

72 hours by vaginal delivery.

96 hours by vaginal delivery.

NO.85 Long-Term Care Policies exclude coverage for all of the following EXCEPT

alcoholism or drug addiction.

acts of war while serving in the military.

self-inflicted injuries.

Alzheimer’s disease.

NO.86 What type of policy pays an amount per day for hospitalization directly to the insured regardless of the insured’s other health insurance?

Limited-amount per diem

Blanket

Medigap

Hospital indemnity

NO.87 Which of the following is NOT a settlement option for life or annuity policies?

Fixed period.

Pure life income.

Asset withdrawal.

Life income with period certain.

NO.88 A new mother is guaranteed a 48-hour hospital stay after a regular delivery of a child under which federal law and regulations for group health insurance?

COBRA.

Medicaid.

HIPAA.

ERISA.

NO.89 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

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

not liable to make any payouts on the policy.

liable to pay the full value of the policy.

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

NO.90 When you purchase an annuity, you are purchasing a

guaranteed income.

whole life policy.

disability insurance policy.

universal life policy.

NO.91 Under the Fair Credit Reporting Act, a consumer report includes

communication of information among persons related by common ownership.

any report containing information solely as to transactions between the consumer and the person making the report.

communication of information by a consumer reporting agency bearing on a consumer’s credit standing, worthiness, or personal characteristics.

any authorizations or approval of a specific extension of credit, directly or indirectly, by the issuer of a credit card.

NO.92 Which one of the following types of benefits is often excluded from coverage under an HMO plan?

Out-of-area emergency services.

Adult routine eye examinations.

Physical examinations.

In-patient surgeries.

NO.93 An individual who is NOT acceptable by an insurer at standard rates because of health, habits, or occupation is called a

rating risk.

standard risk.

preferred risk.

substandard risk.

NO.94 Which of the following describes the gatekeeper strategy used by HMOs?

The refusal of coverage for patients with preexisting conditions.

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

The emphasis on preventing enrollees from using patient services.

The use of supplemental services on an additional cost basis.

NO.95 Jim purchased a $200,000 level term-to-age-65 life insurance policy when he was 35 years old. If Jim dies at age 50, what death benefit would be paid by this policy?

$50,000

$100,000

$150,000

$200,000

NO.96 An agent’s underwriting duties include which of the following?

Setting premium amounts.

Completing all applications and collecting initial premiums.

Declining or accepting an application.

Issuing the policy.

NO.97 Premiums paid by the insured for personally owned disability income insurance are

not tax deductible.

tax deductible.