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최신 Insurance Licensing Certification Ok-Life-Accident-and-Health-or-Sickness-Producer 무료샘플문제 (Q89-Q94):
질문 # 89
Which of the following is one of the MAIN tasks of a field underwriter?
정답：C
설명：
Afield underwriter, typically an insurance producer, gathers initial information from applicants to assess their insurability and ensure the application is accurate and complete. A main task is ensuring the accuracy and completeness of an individual's medical information, as this is critical for the insurer's underwriting decision. Field underwriters do not approve policies or edit reports to guarantee approval; they facilitate the process by providing reliable data.
* Option A: Incorrect. Editing reports to ensure approval is unethical and not a field underwriter's role.
* Option B: Incorrect. Approving policies is the role of the insurer's underwriting department, not the field underwriter.
* Option C: Correct. Ensuring accuracy and completeness of medical information is a key task of a field underwriter.
* Option D: Incorrect. Obtaining an MIB report is typically done by the insurer, not the field underwriter.
This question aligns with the Prometric content outline under "Underwriting," which covers the role of field underwriters.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Underwriting).
Oklahoma Insurance Department, Title 36 O.S. § 1204 (insurance business conduct).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
질문 # 90
Spouses want to purchase a life insurance policy that will pay benefits at the death of the first spouse. This is an example of a
정답：C
설명：
Ajoint life policy(also called a first-to-die policy) covers two or more individuals (e.g., spouses) and pays the death benefit upon the death of the first insured. This contrasts with asurvivorship life policy(second-to-die), which pays after both insureds die. Joint life policies are used for purposes like mortgage protection or family income needs (Title 36 O.S. § 4002).
* Option A: Correct. A joint life policy pays benefits at the first spouse's death.
* Option B: Incorrect. A variable life policy is a permanent policy with investment options, not tied to joint coverage.
* Option C: Incorrect. A universal life policy is flexible permanent insurance, not specifically joint.
* Option D: Incorrect. A survivorship life policy pays after both spouses die.
:
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.
질문 # 91
According to the IRS, which premiums may be tax deductible as a medical expense if the taxpayer's medical expenses exceed 10% of their adjusted gross income?
정답：D
설명：
Per IRS Publication 502,Long-Term Care (LTC) insurance premiumsare considered qualified medical expenses and may be tax deductible if the taxpayer's total medical expenses exceed 10% of their adjusted gross income (AGI), subject to age-based limits on the deductible amount. Premiums for disability income insurance (group or personal) and accidental death and dismemberment (AD&D) insurance are not deductible as medical expenses, as they do not directly relate to medical care.
* Option A: Correct. LTC insurance premiums are deductible as medical expenses, subject to limits.
* Option B: Incorrect. Group disability insurance premiums are not deductible as medical expenses.
* Option C: Incorrect. Personal disability income insurance premiums are not deductible.
* Option D: Incorrect. AD&D insurance premiums are not deductible as medical expenses.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Long-Term Care Policies).
IRS Publication 502 (Medical and Dental Expenses, LTC premiums).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
질문 # 92
One advantage of an individual term life insurance policy is
정답：C
설명：
Term life insurance provides coverage for a specific period at a lower premium cost compared to permanent insurance, such as whole life. The primary advantage is its affordability, making it suitable for individuals needing significant coverage with lower initial costs. Unlike whole life, term life does not accumulate cash value, and premiums typically increase upon renewal as the insured ages.
* Option A: Incorrect. Premiums for term life do not decrease as the insured ages; they increase at renewal due to higher risk.
* Option B: Incorrect. While death benefits in level term policies remain constant during the term, this is not the primary advantage compared to lower costs.
* Option C: Correct. Term life has lower initial costs, making it more affordable for the same coverage amount compared to permanent insurance.
* Option D: Incorrect. Term life does not offer a cash value, a feature of permanent insurance.
This question aligns with the Prometric content outline under "Life Products," which covers the characteristics and advantages of term life insurance.
:
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 (definitions of life insurance products).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
질문 # 93
What is the correct term for an individual who is required to be licensed under the laws of this state to negotiate the sale of insurance?
정답：B
설명：
In Oklahoma, aninsurance produceris the term defined by law for an individual or entity licensed to sell, solicit, or negotiate insurance contracts. This is outlined in the Oklahoma Insurance Code, which requires producers to obtain a license to engage in these activities for life, accident, and health or sickness insurance.
* Option A: Incorrect. An insurance adjuster investigates and settles claims, not negotiates the sale of insurance.
* Option B: Correct. An insurance producer is the licensed individual who negotiates the sale of insurance, as defined by Oklahoma law.
* Option C: Incorrect. An insurance appraiser evaluates property damage for claims, not related to selling insurance.
* Option D: Incorrect. An insurance underwriter assesses risk and determines policy issuance, not sells insurance.
This question falls under the Prometric content outline section on "Licensing," which includes knowledge of licensing requirements and definitions.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: State- Specific Knowledge - Licensing Requirements).
Oklahoma Insurance Department, Title 36 O.S. § 1435.2 (definition of insurance producer).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
질문 # 94
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