Oklahoma Life & Health Final Exam Questions with 100% Correct Answers

Annual mammogram screening for women ___ and older must be covered under group and individual health insurance plans in Oklahoma Correct Answer 40 The producers license must be renewed every ____ years Correct Answer 2 If an individual would like to enroll in Medicare or see public information about Medicare which federal agency handles this Correct Answer Social security administration A comprehensive group policy also covers expenses related to vision care. Which of the following is not typically covered under a vision plan Correct Answer Cataract surgery An example of an unfair claims settlement practices Correct Answer Misrepresenting policy provision affecting a loss An applicant for health insurance deliberately lies in order to obtain a lower premium rate this is an example of Correct Answer fraud Which of these annuity contract features is meant to discourage withdrawals and exchanges Correct Answer Surrender charges Which statement regarding whole life insurance is accurate Correct Answer Insurance coverage can continue for life How would preventative care be encouraged in a dental plan Correct Answer No deductible on routine examinations What type of life insurance policy covers two or more persons and pays the face amount upon the death of the first insured Correct Answer Joint Life Which of the following long-term care benefits would not encourage home health insurance Correct Answer Custodial facility care A licensed producer is prohibited from giving a gift of more than ___ in value to a client as inducement to purchase insurance Correct Answer $100 In the event of unemployment termination a person covered by a group life policy also has the right to convert such coverage to an individual policy within ___ days without providing insurability Correct Answer 31 days A policy owner has a life insurance policy where she had listed her age on the application is five years younger than her actual age if she dies in the insurer discovers