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Question 1

The insured is dissatisfied with the handling of a claim. How long does the insured have to bring a lawsuit against the insurer?

Options :

A : 1 year

B : 3 years

C : 5 years

D : 7 years

Answer: C

Question 2

Oklahoma resident Joe served in the military the past 4 years. When he returned and tried to reinstate his individual health insurance policy, he was denied coverage. His producer stated that because he was covered under a government plan he would be required to be re-underwritten as a new applicant subject to more restrictive coverage and increased premiums. Which of the following is TRUE?

Options :

A :

Joe is subject to being re-underwritten in terms of his current health conditions because he cannot be penalized with more restrictive coverage.

B :

Joe is not required to undergo the initial underwriting process but he cannot be reinstated under his personal plan unless he is free of pre-existing conditions.

C :

Joe cannot be denied reinstatement into his same individual health insurance policy that lapsed as a result of Joe becoming covered by a government-sponsored health plan

D :

Joe cannot be denied reinstatement in his prior individual health insurance policy unless the federal government denies him coverage based on health conditions unrelated to his military service.

Answer: C

Question 3

When a life insurance or annuity replacement policy is sold, the policyowner has a right to return the policy for a full refund of premium within

Options :

A : 3 days.

B : 7 days.

C : 14 days.

D : 20 days.

Answer: D

Question 4

An alien insurer is which one of the following?

Options :

A : One formed under the laws of Oklahoma.

B : One formed under the laws of a state other than 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 geographically bordering Oklahoma.

Answer: C

Question 5

Laura has a group medical plan that has an 80% coinsurance provision but no deductible. She recently incurred a $1,000 medical bill. How much will Laura have to pay?

Options :

A : $0

B : $200

C : $800

D : $1,000

Answer: B