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Ok-Life-Accident-and-Health-or-Sickness-Producer在線題庫，Ok-Life-Accident-and-Health-or-Sickness-Producer考古題更新

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最新的 Insurance Licensing Certification Ok-Life-Accident-and-Health-or-Sickness-Producer 免費考試真題 (Q135-Q140):

問題 #135
Credit and accident disability plans are designed to

A. pay medical and dental premiums for the insured.
B. help an insured pay off a loan in the event of an accident or sickness.
C. pay for legal actions against the insured.
D. replace an employee's income.

答案：B

解題說明：
Credit and accident disability insuranceis designed to make loan payments or pay off a loan balance if the insured becomes disabled due to an accident or sickness, ensuring financial obligations are met. This is a specialized product in Oklahoma (Title 36 O.S. § 4101 et seq.).
* Option A: Incorrect. Income replacement is the purpose of disability income insurance, not credit disability.
* Option B: Correct. The plan helps pay off a loan during disability.
* Option C: Incorrect. Paying medical or dental premiums is not the purpose of credit disability insurance.
* Option D: Incorrect. Legal actions are unrelated to credit disability plans.
:
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. § 4101 et seq. (credit insurance).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

問題 #136
A policy that provides coverage for persons with chronic diseases or disabilities, and often covers nursing home care, home-based care, and respite care is known as

A. Group Health insurance.
B. Medicaid insurance.
C. Long-Term Care insurance.
D. Medicare insurance.

答案：C

解題說明：
Long-Term Care (LTC) insuranceis designed to cover services for individuals with chronic diseases or disabilities who need assistance with activities of daily living (ADLs) or have cognitive impairments. It often includes coverage for nursing home care, home-based care, assisted living, and respite care, as regulated in Oklahoma under Title 36 O.S. § 4426.1.
* Option A: Incorrect. Medicare provides limited coverage for skilled nursing or home health care but not comprehensive LTC services.
* Option B: Incorrect. Medicaid covers LTC for low-income individuals but is a government program, not a private insurance policy.
* Option C: Correct. LTC insurance covers nursing home, home-based, and respite care for chronic conditions.
* Option D: Incorrect. Group health insurance covers medical expenses but typically does not include LTC services.
This question falls under the Prometric content outline section on "Long-Term Care (LTC) Policies," which covers LTC coverage and services.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Long-Term Care Policies).
Oklahoma Insurance Department, Title 36 O.S. § 4426.1 (long-term care insurance regulations).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

問題 #137
In a term life insurance policy, premiums may be increased at the renewal of the policy. Prior to renewal, the premiums would be considered

A. adjustable.
B. variable.
C. convertible.
D. level.

答案：D

解題說明：
In aterm life insurance policy, premiums are typicallylevelduring the policy term (e.g., 10, 20 years), meaning they remain constant. At renewal, premiums may increase based on the insured's attained age, but during the initial term, they are fixed, as outlined in Oklahoma's life insurance regulations (Title 36 O.S. §
4002).
* Option A: Incorrect. Convertible refers to a policy's ability to convert to permanent insurance, not premium structure.
* Option B: Correct. Premiums are level during the term prior to renewal.
* Option C: Incorrect. Variable premiums apply to certain flexible policies like universal life, not term.
* Option D: Incorrect. Adjustable premiums are not a standard term for level term policies.
:
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.

問題 #138
Premiums paid by the insured for personally owned disability income insurance are

A. partially tax deductible.
B. tax deductible.
C. not tax deductible.
D. tax deferred.

答案：C

解題說明：
According to IRS guidelines (Publication 502), premiums paid by an individual for personally owned disability income insurancearenot tax deductibleas medical expenses or otherwise, unlike certain health insurance premiums. However, benefits received from such policies are generally tax-free if the insured paid the premiums with after-tax dollars.
* Option A: Correct. Premiums for personally owned disability insurance are not tax deductible.
* Option B: Incorrect. Premiums are not deductible for disability income insurance.
* Option C: Incorrect. There is no partial deduction for these premiums.
* Option D: Incorrect. Tax deferral applies to certain investment products, not disability premiums.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Accident and Health Insurance).
IRS Publication 502 (Medical and Dental Expenses).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

問題 #139
In a life insurance cash value policy, the automatic premium loan provision authorizes the insurance company to withdraw from the policy's cash values the amount of

A. premiums needed to terminate the policy.
B. any outstanding loans from any policies insured with the same insurance company.
C. interest owed by the insured on outstanding policy loan amounts not repaid at the policy's maturity date.
D. premiums due if the premium has not been paid by the end of the grace period.

答案：D

解題說明：
Theautomatic premium loan (APL)provision in a life insurance policy with cash value allows the insurer to automatically borrow from the policy's cash value to pay overdue premiums if the policyowner fails to pay by the end of the grace period (typically 31 days, per Title 36 O.S. § 4005). This prevents the policy from lapsing, provided sufficient cash value is available.
* Option A: Incorrect. The APL provision does not cover loans from other policies.
* Option B: Correct. The APL provision authorizes withdrawal to pay premiums due at the end of the grace period.
* Option C: Incorrect. The APL provision prevents termination, not facilitates it.
* Option D: Incorrect. Interest on policy loans is separate and not covered by the APL provision.
This question falls under the Prometric content outline section on "Provisions, Options, Exclusions, Riders, Clauses, and Rights," which covers automatic premium loans.
:
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. § 4005 (grace period and related provisions).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

問題 #140
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