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

Ok-Life-Accident-and-Health-or-Sickness-Producer Exam Simulator
  • Exam Code: Ok-Life-Accident-and-Health-or-Sickness-Producer
  • Exam Name: Oklahoma Life, Accident, and Health or Sickness Producer Exam
  • Updated: Oct 02, 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
Topic 1: Ethics and Professional Conduct10-15%- Disclosure requirements
- Handling customer complaints
- Fiduciary responsibilities
- Antifraud regulations
Topic 2: Accident and Sickness Insurance15-20%- Critical illness insurance
- Sickness-related coverage
- Hospital indemnity insurance
- Accident-only policies
Topic 3: Oklahoma Insurance Regulations20-25%- Oklahoma Insurance Code requirements
- Market conduct regulations
- Licensing requirements and procedures
- Consumer protection regulations
- Unfair trade practices prohibitions
Topic 4: Insurance Marketing and Sales10-15%- Suitable product recommendations
- Recordkeeping requirements
- Sales practices and disclosures
- Replacement regulations
Topic 5: Health Insurance Fundamentals20-25%- Dental and vision coverage
- Major medical insurance
- Preferred provider organizations (PPOs)
- Health maintenance organizations (HMOs)
- Disability income insurance
Topic 6: Life Insurance Basics15-20%- Policy provisions and riders
- Beneficiary designations
- Cash value and loan provisions
- Types of life insurance policies

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

Question #1

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. Medicaid insurance.
  • B. Long-Term Care insurance.
  • C. Group Health insurance.
  • D. Medicare insurance.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Question #2

If a primary beneficiary dies, life insurance benefits are then paid to

  • A. the tertiary beneficiaries.
  • B. no one.
  • C. the sub-primary beneficiaries.
  • D. the contingent beneficiaries.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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Question #3

Long-Term Care Policies exclude coverage for all of the following EXCEPT

  • A. Alzheimer's disease.
  • B. self-inflicted injuries.
  • C. acts of war while serving in the military.
  • D. alcoholism or drug addiction.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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Question #4

Which of the following is a potential DISADVANTAGE of a fixed annuity?

  • A. There is no guaranteed specific benefit amount to the annuitant.
  • B. Annuitants could experience a decrease in the purchasing power of their payments over a period of years due to inflation.
  • C. The insured invests payments in variable securities, and the return fluctuates with an uncertain economic market.
  • D. Payments continue only for a maximum of 2 years after the annuitant's death.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Question #5

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

  • A. 21.
  • B. 18.
  • C. 16.
  • D. 15.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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