©THEBRIGHT EXAM SOLUTIONS 2024/2025
ALL RIGHTS RESERVED.
Final Exam - Oklahoma life & health
Questions With Verified Answers
Annual mammogram screening for women ___ and older must be covered under group and
individual health insurance plans in Oklahoma - Answers✔40
The producers license must be renewed every ____ years - Answers✔2
If an individual would like to enroll in Medicare or see public information about Medicare which
federal agency handles this - Answers✔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 - Answers✔Cataract surgery
An example of an unfair claims settlement practices - Answers✔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 - Answers✔fraud
Which of these annuity contract features is meant to discourage withdrawals and exchanges -
Answers✔Surrender charges
Which statement regarding whole life insurance is accurate - Answers✔Insurance coverage can
continue for life
How would preventative care be encouraged in a dental plan - Answers✔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 - Answers✔Joint Life
Which of the following long-term care benefits would not encourage home health insurance -
Answers✔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 - Answers✔$100
1
, ©THEBRIGHT EXAM SOLUTIONS 2024/2025
ALL RIGHTS RESERVED.
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 - Answers✔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 the miss statement of age
how will the insurance company pay - Answers✔Less than the face amount
Which life insurance policy provision prohibits a beneficiary from communicating incorporating
withdrawing or assigning any portion of the proceeds prior to actual receipt from the company -
Answers✔Spendthrift clause
Typically states will permit the grouping of two or more small employers in the same industry
for obtaining group health insurance at a favorable rate. This grouping of employers is known as
a multiple - Answers✔Trust
Who may terminate coverage under a cancelable health insurance policy - Answers✔insurer or
insured
If a new policy is replacing an existing one the insured is given the right to return for a full
refund of at least ____ days after policy delivery - Answers✔20
_____ is the authority given to a producer to sell solicit and negotiate policies on behalf of the
insurer - Answers✔Appointment
And insured files for an accident and health insurance policy claim eight days after the premium
due date the benefit payable is $500 in the overdue premium is $200 assuming that the policy
pays on the first seller basis and contains the unpaid premium provision how much will the
insurer pay - Answers✔$300
A foreign insurance company doing business in Oklahoma - Answers✔Is a company domiciled
under the laws of another state
Which of the following is a nonprofit entity operating under lodge system - Answers✔Fraternal
Charging different rates between individuals of the same class and equal expect Tatian of life is
best described as - Answers✔Discrimination
Which of these is not an underwriting responsibility of a life insurance agent -
Answers✔Determining the final rate classification
Before emailing a client and insurance document during a transaction what was the client
provided before the producer can send the document - Answers✔Consent to receive the email
2
ALL RIGHTS RESERVED.
Final Exam - Oklahoma life & health
Questions With Verified Answers
Annual mammogram screening for women ___ and older must be covered under group and
individual health insurance plans in Oklahoma - Answers✔40
The producers license must be renewed every ____ years - Answers✔2
If an individual would like to enroll in Medicare or see public information about Medicare which
federal agency handles this - Answers✔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 - Answers✔Cataract surgery
An example of an unfair claims settlement practices - Answers✔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 - Answers✔fraud
Which of these annuity contract features is meant to discourage withdrawals and exchanges -
Answers✔Surrender charges
Which statement regarding whole life insurance is accurate - Answers✔Insurance coverage can
continue for life
How would preventative care be encouraged in a dental plan - Answers✔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 - Answers✔Joint Life
Which of the following long-term care benefits would not encourage home health insurance -
Answers✔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 - Answers✔$100
1
, ©THEBRIGHT EXAM SOLUTIONS 2024/2025
ALL RIGHTS RESERVED.
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 - Answers✔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 the miss statement of age
how will the insurance company pay - Answers✔Less than the face amount
Which life insurance policy provision prohibits a beneficiary from communicating incorporating
withdrawing or assigning any portion of the proceeds prior to actual receipt from the company -
Answers✔Spendthrift clause
Typically states will permit the grouping of two or more small employers in the same industry
for obtaining group health insurance at a favorable rate. This grouping of employers is known as
a multiple - Answers✔Trust
Who may terminate coverage under a cancelable health insurance policy - Answers✔insurer or
insured
If a new policy is replacing an existing one the insured is given the right to return for a full
refund of at least ____ days after policy delivery - Answers✔20
_____ is the authority given to a producer to sell solicit and negotiate policies on behalf of the
insurer - Answers✔Appointment
And insured files for an accident and health insurance policy claim eight days after the premium
due date the benefit payable is $500 in the overdue premium is $200 assuming that the policy
pays on the first seller basis and contains the unpaid premium provision how much will the
insurer pay - Answers✔$300
A foreign insurance company doing business in Oklahoma - Answers✔Is a company domiciled
under the laws of another state
Which of the following is a nonprofit entity operating under lodge system - Answers✔Fraternal
Charging different rates between individuals of the same class and equal expect Tatian of life is
best described as - Answers✔Discrimination
Which of these is not an underwriting responsibility of a life insurance agent -
Answers✔Determining the final rate classification
Before emailing a client and insurance document during a transaction what was the client
provided before the producer can send the document - Answers✔Consent to receive the email
2
