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

  • Exam Code: Ok-Life-Accident-and-Health-or-Sickness-Producer
  • Exam Name: Oklahoma Life, Accident, and Health or Sickness Producer Exam
  • Updated: Oct 03, 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: Insurance Marketing and Sales10-15%- Replacement regulations
- Sales practices and disclosures
- Suitable product recommendations
- Recordkeeping requirements
Topic 2: Health Insurance Fundamentals20-25%- Disability income insurance
- Health maintenance organizations (HMOs)
- Preferred provider organizations (PPOs)
- Dental and vision coverage
- Major medical insurance
Topic 3: Oklahoma Insurance Regulations20-25%- Oklahoma Insurance Code requirements
- Market conduct regulations
- Unfair trade practices prohibitions
- Licensing requirements and procedures
- Consumer protection regulations
Topic 4: Life Insurance Basics15-20%- Types of life insurance policies
- Policy provisions and riders
- Beneficiary designations
- Cash value and loan provisions
Topic 5: Accident and Sickness Insurance15-20%- Sickness-related coverage
- Accident-only policies
- Hospital indemnity insurance
- Critical illness insurance
Topic 6: Ethics and Professional Conduct10-15%- Fiduciary responsibilities
- Disclosure requirements
- Handling customer complaints
- Antifraud regulations

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

Question #1

A new mother is guaranteed a 48-hour hospital stay after a regular delivery of a child under which federal law and regulations for group health insurance?

  • A. HIPAA.
  • B. Medicaid.
  • C. COBRA.
  • D. ERISA.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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Question #2

A whole life policy payment period is related to an annual premium in which of the following ways?

  • A. The longer the payment period, the higher the annual premium.
  • B. The shorter the payment period, the lower the annual premium.
  • C. The payment period is not related to the annual premium.
  • D. The shorter the payment period, the higher the annual premium.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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Question #3

Benefits required under the child immunization coverage shall NOT be subject to

  • A. a set immunization schedule.
  • B. an annual maximum number of immunizations.
  • C. a prior authorization.
  • D. a deductible.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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Question #4

An insurance producer sells fake policies and gambles the premium payments at a casino. Which entity would not be involved in the investigation?

  • A. Oklahoma Attorney General
  • B. Oklahoma Insurance Department Anti-Fraud Unit
  • C. Securities Exchange Commission
  • D. Oklahoma State Bureau of Investigation
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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Question #5

Which of the following is NOT a key factor in underwriting life insurance?

  • A. Tobacco use.
  • B. Family history.
  • C. Marital status.
  • D. Age.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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