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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 (Q32-Q37):

質問 # 32
As a form of level premium permanent insurance, ordinary life insurance accumulates a reserve that eventually

A. ceases to earn interest or grow in a positive earnings direction.
B. requires mandatory cash value distributions.
C. results in a dividend payment to the policyowner.
D. equals the face amount of the policy.

正解：D

解説：
Ordinary life insurance, synonymous with whole life insurance, is a level premium permanent insurance product that accumulates a cash value (or reserve) over time. By design, the cash value grows and, at the policy's maturity (typically age 100 or 121, depending on the policy), equals the face amount of the policy, at which point the policy endows (pays out the face amount to the policyowner if the insured is still alive).
* Option A: Correct. The cash value (reserve) in a whole life policy eventually equals the face amount at maturity.
* Option B: Incorrect. Dividends are paid only in participating policies, not all whole life policies, and are not guaranteed.
* Option C: Incorrect. The cash value continues to earn interest or grow, typically at a guaranteed rate, until maturity.
* Option D: Incorrect. There are no mandatory cash value distributions; policyowners can choose to access the cash value.
This question aligns with the Prometric content outline under "Life Products," which covers the cash value accumulation in whole 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. § 4029 (nonforfeiture benefits and cash value).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

質問 # 33
When a life insurance or annuity replacement policy is sold, the policyowner has a right to return the policy for a full refund of premium within

A. 20 days.
B. 14 days.
C. 3 days.
D. 7 days.

正解：A

解説：
Oklahoma regulations (O.A.C. 365:10-3-16) provide afree-look periodfor life insurance or annuity replacement policies, allowing the policyowner to return the policy for afull refund of premiumwithin20 daysfrom receipt. This extended period for replacements (compared to 10 days for non-replacement policies) ensures consumers can review the new policy and compare it to the replaced one.
* Option A: Incorrect. 3 days is too short for the free-look period.
* Option B: Incorrect. 7 days is not the required timeframe.
* Option C: Incorrect. 14 days is shorter than the replacement free-look period.
* Option D: Correct. The free-look period for replacement policies is 20 days.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Considerations in Replacing Insurance).
Oklahoma Insurance Department, O.A.C. 365:10-3-16 (replacement regulations).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

質問 # 34
When you purchase an annuity, you are purchasing a

A. universal life policy.
B. whole life policy.
C. guaranteed income.
D. disability insurance policy.

正解：C

解説：
Anannuityis a financial product purchased from an insurer that provides a stream of income, typically for retirement, in exchange for a lump sum or periodic payments. The primary purpose is to guarantee income, often for the annuitant's lifetime or a specified period, as outlined in Oklahoma's regulations for life insurance products (Title 36 O.S. § 4002).
* Option A: Correct. An annuity provides guaranteed income, either fixed or variable, based on the contract terms.
* Option B: Incorrect. A whole life policy is a type of life insurance, not an annuity.
* Option C: Incorrect. Disability insurance covers income loss due to disability, not guaranteed income.
* Option D: Incorrect. A universal life policy is a flexible life insurance product, not an annuity.
This question falls under the Prometric content outline section on "Life Products," which covers annuities and their features.
:
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, including annuities).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

質問 # 35
The process by which an insurer decides whether to issue a policy is known as

A. classification.
B. selection.
C. underwriting.
D. risk pooling.

正解：C

解説：
Underwriting is the process by which an insurer evaluates an applicant's risk profile to determine whether to issue a policy, what coverage to offer, and at what premium rate. This involves assessing factors such as medical history, lifestyle, and financial information to ensure the applicant meets the insurer's standards.
* Option A: Incorrect. Classification refers to grouping applicants into risk categories (e.g., standard, substandard) during underwriting, not the entire process.
* Option B: Incorrect. Risk pooling is the practice of spreading risk across a group of policyholders, not the decision to issue a policy.
* Option C: Correct. Underwriting is the process of evaluating and deciding whether to issue a policy.
* Option D: Incorrect. Selection is a component of underwriting but not the term for the entire process.
This question aligns with the Prometric content outline under "Underwriting," which covers the principles and processes of risk assessment.
:
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.

質問 # 36
Which of the following is NOT a requirement to become a resident producer or adjuster in Oklahoma?

A. Live in Oklahoma for a period of 6 months or more.
B. Must be of good personal and business reputation.
C. Successfully passing a licensing examination.
D. Be at least 18 years of age.

正解：A

解説：
To become a resident insurance producer or adjuster in Oklahoma, as outlined in Title 36 O.S. § 1435.7 and §
1435.8, an applicant must: be at least 18 years old, be of good personal and business reputation (demonstrating trustworthiness and competency), successfully pass the required licensing examination, and be a resident of Oklahoma or intend to become one. However, there is no specific requirement to have lived in Oklahoma for 6 months or more prior to applying; residency is established by maintaining a principal place of residence or business in the state at the time of application.
* Option A: Correct (not a requirement). Living in Oklahoma for 6 months or more is not explicitly required; residency status is sufficient.
* Option B: Incorrect (is a requirement). Passing the licensing exam is mandatory.
* Option C: Incorrect (is a requirement). Applicants must be at least 18 years old.
* Option D: Incorrect (is a requirement). Good personal and business reputation is required.
:
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. § 1435.7, § 1435.8 (resident producer and adjuster licensing).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.

質問 # 37
......

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