Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer : Oklahoma Life, Accident, and Health or Sickness Producer Exam

  • Exam Code: Ok-Life-Accident-and-Health-or-Sickness-Producer
  • Exam Name: Oklahoma Life, Accident, and Health or Sickness Producer Exam
  • Updated: Sep 11, 2026
  • Q & A: 157 Questions and Answers

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Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Syllabus Topics:

SectionWeightObjectives
General Insurance Knowledge72%- Health and Accident Insurance Basics
  • 1. Disability income insurance
  • 2. Accident and sickness coverage
  • 3. Health insurance policies
- Annuities
  • 1. Types of annuities
  • 2. Features and taxation
- Insurance Regulation
  • 1. Federal and state laws
  • 2. Licensing requirements
  • 3. Unfair trade practices
- Life Insurance Basics
  • 1. Types of life policies
  • 2. Policy provisions and riders
  • 3. Underwriting and issue
Oklahoma State-Specific Knowledge28%- Oklahoma Insurance Statutes and Rules
  • 1. Title 36 Oklahoma Statutes
  • 2. Oklahoma Administrative Code provisions
- Consumer Protection and Ethics
  • 1. Privacy and disclosure requirements
  • 2. Unfair claims practices
- State Licensing and Renewal
  • 1. Continuing education rules
  • 2. Residency requirements
- Policy Provisions Required in Oklahoma
  • 1. Reinstatement and replacement rules
  • 2. Grace periods, free look, incontestability

Insurance Licensing Oklahoma Life, Accident, and Health or Sickness Producer Sample Questions:

Question #1

In addition to the application, MIB, or consumer reports, underwriters can acquire information from all of the following EXCEPT

  • A. genetic testing.
  • B. attending physician statements.
  • C. physical examinations.
  • D. medical questionnaires.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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Question #2

An insured individual takes out a life insurance policy on himself and commits suicide 13 months later. Since the policy has an expressed provision limiting the liability of the insurer against suicide, the insurer is

  • A. obligated to reimburse the amount of the premiums paid for the policy.
  • B. liable for the full value of the policy if the insured individual was proven to be insane at the time of his death.
  • C. not liable to make any payouts on the policy.
  • D. liable to pay the full value of the policy.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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Question #3

What type of policy pays an amount per day for hospitalization directly to the insured regardless of the insured's other health insurance?

  • A. Limited-amount per diem
  • B. Hospital indemnity
  • C. Blanket
  • D. Medigap
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Question #4

Oklahoma resident Joe served in the military the past 4 years. When he returned and tried to reinstate his individual health insurance policy, he was denied coverage. His producer stated that because he was covered under a government plan he would be required to be re-underwritten as a new applicant subject to more restrictive coverage and increased premiums. Which of the following is TRUE?

  • A. Joe cannot be denied reinstatement into his same individual health insurance policy that lapsed as a result of Joe becoming covered by a government-sponsored health plan.
  • B. Joe cannot be denied reinstatement in his prior individual health insurance policy unless the federal government denies him coverage based on health conditions unrelated to his military service.
  • C. Joe is subject to being re-underwritten in terms of his current health conditions because he cannot be penalized with more restrictive coverage.
  • D. Joe is not required to undergo the initial underwriting process but he cannot be reinstated under his personal plan unless he is free of pre-existing conditions.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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Question #5

Misrepresenting the advantages and benefits of a new policy to induce replacement of an existing policy is

  • A. twisting.
  • B. forfeiting.
  • C. defamation.
  • D. rebating.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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