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

1. Under a multiple protection policy, the policy that pays on the death of the last person is called

A) a joint life policy.
B) an annuity life policy.
C) a universal life policy.
D) a survivorship life policy.

2. Term life insurance differs from permanent life insurance in that MOST often, term life insurance

A) remains in force for a specific period of time.
B) is automatically renewable at the end of the term period.
C) accumulates a much smaller cash value.
D) has a longer premium payment period.

3. In addition to the actual policy, an entire contract includes which of the following?

A) Credit report.
B) Provisions.
C) The application.
D) Clauses.

4. Mortgage redemption or cancellation insurance is a form of what type of insurance?

A) Increasing term.
B) Decreasing term.
C) Level premium universal life.
D) Level premium whole life.

5. Generally, all of the following apply to group life insurance EXCEPT

A) the insured pays a higher rate for the group policy.
B) individual underwriting is not required.
C) it is priced according to the risk factors of the group.
D) evidence of insurability is not required.

Solutions: