10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The OKLH exam has 150 questions and runs 2 hours 30 minutes.
These 10 free OKLH questions are organized by exam domain, so you can see how each part of the Oklahoma Life & Health Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
An insurer executes an agency contract with an Oklahoma producer who already holds the appropriate lines of authority. Which next step is required under Oklahoma's appointment rule?
Correct answer: A - The insurer files the appointment notice with OID within 15 days
To persuade a client to replace a whole life policy, a producer knowingly states that the existing policy has no cash value, even though the latest statement shows $18,000. The producer makes no offer of money or gift. Which unfair practice is most specifically illustrated?
Correct answer: D - Twisting
An Oklahoma health plan covers maternity benefits. Following an uncomplicated cesarean delivery, the insurer's utilization system flags discharge at 72 hours, but the attending clinician has not ordered early discharge. Which benefit rule controls?
Correct answer: B - The plan must allow at least 96 hours unless the attending clinician authorizes earlier discharge with required follow-up
A major-medical plan has a $1,500 remaining deductible and then pays 80% of the allowed amount. The insured has already accumulated $4,000 toward a $5,500 in-network out-of-pocket maximum. A new covered in-network claim has an allowed amount of $12,000, and all deductible and coinsurance amounts on the claim count toward the maximum. No copayment applies. How much must the insured pay on this claim?
Correct answer: A - $1,500
An employee loses group health coverage after a reduction in work hours. Gross misconduct is not involved, and no disability extension or second qualifying event applies. Which combination correctly states the ordinary COBRA maximum and the initial-premium deadline?
Correct answer: D - 18 months; the first premium is due within 45 days after election
A client wants permanent life insurance with flexible premiums, an adjustable death benefit, and cash value allocated among securities subaccounts. The client accepts that investment performance can raise or lower policy values. Which product best matches these objectives?
Correct answer: C - Variable universal life
A fixed indexed annuity credits interest using an annual point-to-point method with a 70% participation rate, an 8% cap, and no spread. The index rises 15% during the term. What rate is credited before any contract fees?
Correct answer: D - 8.0%
An applicant pays the full first premium with a life insurance application and receives a conditional insurability receipt stating that coverage will take effect on the medical-exam date if the applicant was insurable as applied on that date. The applicant completes the exam, dies in an automobile accident two days later, and the home office later determines that the applicant met the standard underwriting requirements on the exam date. How should the claim be handled?
Correct answer: B - Pay under the conditional coverage, subject to the receipt's stated limits
While traveling outside her HMO service area, an enrollee develops crushing chest pain and shortness of breath. The nearest emergency department is outside the network, and she cannot reach her primary care physician. Which statement best reflects HMO coverage rules?
Correct answer: C - She should seek emergency care immediately; lack of prior authorization alone should not bar emergency coverage
Which insured satisfies the federal benefit trigger for a tax-qualified long-term care policy, assuming a licensed health-care practitioner certifies the condition and prescribes a plan of care?
Correct answer: B - An insured who needs substantial assistance with bathing and transferring for an expected six-month period
The OKLH exam also covers these domains. Drill them in the full free practice test:
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