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Ok-Life-Accident-and-Health-or-Sickness-Producer認定デベロッパー & Ok-Life-Accident-and-Health-or-Sickness-Producer復習内容
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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 (Q120-Q125):
質問 # 120
The act of using misrepresentation to induce an insured person to terminate an existing policy and purchase a new policy is referred to as
- A. twisting.
- B. rebating.
- C. subrogation.
- D. churning.
正解:A
解説:
Twistingis the unethical practice of using misrepresentation or incomplete information to persuade an insured to terminate an existing policy and purchase a new one, often to the insured's detriment. It is prohibited under Oklahoma's Unfair Trade Practices Act (Title 36 O.S. § 1204). This differs fromchurning(replacing policies for commission without benefit to the insured) orrebating(offering inducements to purchase).
* Option A: Correct. Twisting involves misrepresentation to induce policy replacement.
* Option B: Incorrect. Subrogation is the insurer's right to recover payments from a third party.
* Option C: Incorrect. Rebating is offering a portion of the premium or other inducements to purchase insurance.
* Option D: Incorrect. Churning involves excessive policy replacements for commissions, not necessarily misrepresentation.
This question is part of the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers unfair trade practices.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: State- Specific Knowledge - Oklahoma Insurance Statutes).
Oklahoma Insurance Department, Title 36 O.S. § 1204 (unfair trade practices).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
質問 # 121
An alien insurer is which one of the following?
- A. One formed under the laws of Oklahoma.
- B. One formed under the laws of a state geographically bordering Oklahoma.
- C. One formed under the laws of a country other than the United States of America.
- D. One formed under the laws of a state other than Oklahoma.
正解:C
解説:
Analien insurer, as defined in Oklahoma's Insurance Code (Title 36 O.S. § 105), is an insurance company formed under the laws of a country other than the United States. This distinguishes it from domestic insurers (formed in Oklahoma) and foreign insurers (formed in another U.S. state).
* Option A: Incorrect. An insurer formed in Oklahoma is a domestic insurer.
* Option B: Incorrect. An insurer formed in another U.S. state is a foreign insurer.
* Option C: Correct. An alien insurer is formed under the laws of a foreign country.
* Option D: Incorrect. Geographic proximity is irrelevant; the distinction is based on legal formation.
This question is part of the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers insurer classifications.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: State- Specific Knowledge - Oklahoma Insurance Statutes).
Oklahoma Insurance Department, Title 36 O.S. § 105 (definitions of insurers).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
質問 # 122
All of the following are Medicare Advantage Plans EXCEPT
- A. Health Maintenance Organization (HMO).
- B. Social Security Disability Income (SSDI).
- C. Private Fee-For-Service (PFFS).
- D. Preferred Provider Organization (PPO).
正解:B
解説:
Medicare Advantage (Part C)plans are private health plans approved by Medicare, includingPPOs,HMOs, andPFFSplans, which provide an alternative to Original Medicare.Social Security Disability Income (SSDI) is a federal program providing income support for disabled individuals, not a Medicare Advantage plan.
* Option A: Incorrect. PPO plans are a type of Medicare Advantage plan.
* Option B: Incorrect. HMO plans are a type of Medicare Advantage plan.
* Option C: Incorrect. PFFS plans are a type of Medicare Advantage plan.
* Option D: Correct. SSDI is not a Medicare Advantage plan; it is a disability income program.
This question aligns with the Prometric content outline under "Medicare," which covers Medicare Advantage plans.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section:
General Knowledge - Medicare).
Oklahoma Insurance Department, Title 36 O.S. § 6217 (Medicare supplement insurance).
CMS, Medicare & You Handbook (Medicare Advantage plans).
質問 # 123
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.
正解:A
解説:
Long-Term Care (LTC) policies cover services for individuals with chronic conditions or disabilities, such as assistance with activities of daily living. Oklahoma regulations (Title 36 O.S. § 4426.1) allow LTC policies to exclude coverage for conditions like alcoholism or drug addiction, acts of war (especially military service), and self-inflicted injuries, as these are considered high-risk or intentional. However,Alzheimer's diseaseis a core condition typically covered by LTC policies, as it is a common cause of long-term care needs.
* Option A: Incorrect (excluded). Alcoholism or drug addiction is often excluded unless treatment is completed.
* Option B: Incorrect (excluded). Acts of war, especially in military service, are standard exclusions.
* Option C: Incorrect (excluded). Self-inflicted injuries are excluded as intentional acts.
* Option D: Correct (not excluded). Alzheimer's disease is typically covered by LTC policies.
:
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.
質問 # 124
A fraternal benefit society is characterized by all of the following EXCEPT
- A. conducted solely for the benefit of its members.
- B. incorporated.
- C. without capital stock.
- D. for profit.
正解:D
解説:
Afraternal benefit society, as defined in Oklahoma's Insurance Code (Title 36 O.S. § 2711), is an incorporated organization without capital stock, operating on a lodge system with a representative form of government, and providing insurance benefits solely for its members and their beneficiaries. Unlike commercial insurers, fraternal benefit societies arenot-for-profitentities, making "for profit" an incorrect characteristic.
* Option A: Incorrect (is a characteristic). Fraternal benefit societies are incorporated entities.
* Option B: Incorrect (is a characteristic). They operate without capital stock, distinguishing them from stock insurers.
* Option C: Correct (is not a characteristic). Fraternal benefit societies are not-for-profit, not for-profit organizations.
* Option D: Incorrect (is a characteristic). They exist solely for the benefit of their members.
This question aligns with the Prometric content outline under "State Insurance Statutes, Rules, and Regulations," which covers types of insurers, including fraternal benefit societies.
:
Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: State- Specific Knowledge - Oklahoma Insurance Statutes).
Oklahoma Insurance Department, Title 36 O.S. § 2711 (fraternal benefit societies).
Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing.
質問 # 125
......
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