Ok-Life-Accident-and-Health-or-Sickness-Producer試験勉強攻略、Ok-Life-Accident-and-Health-or-Sickness-Producer日本語版と英語版
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Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Exam 認定 Ok-Life-Accident-and-Health-or-Sickness-Producer 試験問題 (Q140-Q145):
質問 # 140
Transacting insurance includes any of the following EXCEPT
正解：D
解説：
Under Oklahoma's Insurance Code (Title 36 O.S. § 1435.2),transacting insuranceincludes activities such as soliciting or selling insurance, engaging in preliminary negotiations for insurance contracts, and delivering insurance contracts or collecting premiums.Gathering prospective buyer information(e.g., lead generation) is not considered transacting insurance unless it involves direct solicitation or negotiation.
* Option A: Incorrect (is transacting). Selling insurance is a core part of transacting insurance.
* Option B: Incorrect (is transacting). Preliminary negotiations are included in transacting insurance.
* Option C: Incorrect (is transacting). Delivering insurance contracts is part of transacting insurance.
* Option D: Correct (is not transacting). Gathering prospective buyer information alone does not constitute transacting insurance.
This question falls under the Prometric content outline section on "State Insurance Statutes, Rules, and Regulations," which covers the definition of transacting insurance.
:
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. § 1435.2 (definition of transacting insurance).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
質問 # 141
Ann has a 5-year Renewable Term Life Insurance Policy. Upon exercising the renewable privilege, Ann MUST
正解：B
解説：
A renewable term life insurance policy allows the insured to renew the policy at the end of the term without providing evidence of insurability, typically for another term of the same duration. However, because the insured is older at renewal, the premium is generally higher due to increased risk. For a 5-year renewable term policy, Ann can renew for another 5-year term, but the premium will reflect her age at the time of renewal.
* Option A: Incorrect. Renewable term policies do not require evidence of insurability for renewal, as this is a key feature of the renewability provision.
* Option B: Incorrect. The renewal term is typically the same as the original term (5 years in this case), not a mandatory 10 years.
* Option C: Correct. The premium upon renewal may be higher because it is based on the insured's attained age, as outlined in standard term life insurance provisions.
* Option D: Incorrect. Renewal does not require conversion to a whole life policy; conversion is a separate option that may be available but is not mandatory.
This question aligns with the Prometric content outline under "Life Products," which covers the characteristics and provisions of term life insurance, including renewability.
:
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.
質問 # 142
Which rider includes coverage for the insured's spouse and children?
正解：C
解説：
A rider is an amendment to an insurance policy that modifies its coverage. In the context of life insurance, the family rider(also known as a family term rider) provides term life insurance coverage for the insured's spouse and children under the primary insured's policy. This rider is commonly offered to extend protection to family members without requiring separate policies.
* Option A: Incorrect. The payor benefit rider waives premiums if the policyowner (often a parent) becomes disabled or dies, typically used in juvenile policies. It does not provide coverage for family members.
* Option B: Correct. The family rider adds term life coverage for the insured's spouse and children, ensuring they are protected under the same policy.
* Option C: Incorrect. The jumping juvenile rider increases the death benefit of a juvenile policy at a specified age (e.g., 21) without additional underwriting. It applies only to the child, not the spouse.
* Option D: Incorrect. The guaranteed insurability rider allows the insured to purchase additional coverage at specified intervals without proving insurability, but it does not cover family members.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which includes knowledge of life insurance riders.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Life Insurance Riders).
Oklahoma Insurance Department, Title 36 O.S. § 4001 et seq. (life insurance policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
質問 # 143
With the exception of non-payment of premiums, no life insurance policy shall be contestable after it has been in force during the lifetime of the insured for
正解：D
解説：
Theincontestable clause, mandated in Oklahoma (Title 36 O.S. § 4004), states that a life insurance policy cannot be contested by the insurer after it has been in force for2 yearsduring the insured's lifetime, except for non-payment of premiums. This limits the insurer's ability to deny claims based on application misstatements after this period.
* Option A: Correct. The contestable period is 2 years.
* Option B: Incorrect. 3 years exceeds the standard period.
* Option C: Incorrect. 4 years is not the required timeframe.
* Option D: Incorrect. 5 years is too long for the contestable period.
:
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. § 4004 (incontestability provision).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
質問 # 144
A group major medical policy is written with a $1,000 deductible, 80/20 coinsurance, and an out-of-pocket maximum of $3,000. The insured goes into the hospital for a covered procedure. The total cost of the procedure is $5,000. How much does the insured have to pay towards the $5,000 total?
正解：A
解説：
To calculate the insured's payment:
* Deductible: The insured pays the first $1,000 of the $5,000 procedure cost.
* Remaining cost: $5,000 - $1,000 = $4,000.
* Coinsurance: The policy has 80/20 coinsurance, so the insurer pays 80% ($3,200) and the insured pays
20% ($800) of the $4,000.
* Total paid by insured: $1,000 (deductible) + $800 (coinsurance) = $1,800.
* Out-of-pocket maximum: The policy's $3,000 out-of-pocket maximum caps the insured's total payments. Since $1,800 is less than $3,000, the insured pays $1,800. However, the question asks for the total paid "towards the $5,000," and the out-of-pocket maximum of $3,000 suggests a cap on total liability for covered expenses. In this context, the correct interpretation is that the insured's payment is capped at the out-of-pocket maximum if applicable, but standard calculation yields $1,800, and the answer options suggest a possible intent for the maximum.
Upon review, the correct calculation yields $1,800 (Option C), but the out-of-pocket maximum of $3,000 (Option B) may be the intended answer if the question implies the maximum liability. Given the standard insurance calculation,Option C ($1,800)is mathematically correct, butOption B ($3,000)aligns with the out- of-pocket maximum as a potential cap. Since the calculation is clear, we selectC.
Corrected answer: C
Explanation of Calculation:
* Deductible: $1,000.
* Coinsurance: 20% of $4,000 = $800.
* Total: $1,000 + $800 = $1,800.
* The out-of-pocket maximum ($3,000) is not reached, so the insured pays $1,800.
* Option A: Incorrect. The insured does not pay the full $5,000 due to insurer contributions.
* Option B: Incorrect. The $3,000 out-of-pocket maximum is not reached; the calculated payment is
$1,800.
* Option C: Correct. The insured pays $1,800 based on the deductible and coinsurance.
* Option D: Incorrect. The $1,000 deductible alone does not account for coinsurance.
This question aligns with the Prometric content outline under "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers health insurance cost-sharing provisions.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Accident and Health Insurance).
Oklahoma Insurance Department, Title 36 O.S. § 6060.3 (health insurance policy provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
質問 # 145
......
認めなければならないことは、あなたが所有する認定資格がますます増えていることです。 これが、Ok-Life-Accident-and-Health-or-Sickness-Producer認定を取得することの重要性を認識する必要がある理由です。 私たちの将来の雇用のためのより資格のある認定は、彼らの能力を証明するのに十分な資格認定を持っているだけで、社会的競争でライバルに勝つことができると見なされる効果があります。 したがって、Ok-Life-Accident-and-Health-or-Sickness-Producerガイド急流は、ユーザーがより速く、より効率的に参加するために必要な資格のあるOk-Life-Accident-and-Health-or-Sickness-Producer試験に合格するのに役立ちます。
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