About Insurance Licensing Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Braindumps

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

1. Which of the following describes the gatekeeper strategy used by HMOs?

A) The refusal of coverage for patients with preexisting conditions.
B) The emphasis on preventing enrollees from using patient services.
C) The process of obtaining referrals to specialists from primary care physicians.
D) The use of supplemental services on an additional cost basis.

2. A fraternal benefit society is characterized by all of the following EXCEPT

A) incorporated.
B) without capital stock.
C) for profit.
D) conducted solely for the benefit of its members.

3. Any person of competent legal capacity may contract for life and health insurance at a MINIMUM age of

A) 15.
B) 16.
C) 18.
D) 21.

4. Which of the following is NOT an example of inducement?

A) A special favor in the payment of premiums.
B) A gift having a value less than $100.
C) A promise of employment.
D) Giving merchandise to a client with a value of $250.

5. 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) convertible.
C) variable.
D) level.

Solutions: