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Course Information
Business and Information Technology Education
BT00188
Accident & Health Insurance
120.00
This course will provide students with the knowledge and skills to prepare for the general portion of the Accident & Health Insurance Examination to become licensed by the Oklahoma Insurance Department.
Kim Simpson
(405)743-5117
ksimp@okcareertech.org
Fundamentals of Administrative Technologies
Provisions, Options, Exclusions, Riders, Clauses, and Rights

Mandatory Provisions

-Entire Contract

-Time Limit on Certain Defenses

-Grace Period

-Notice of Claim

-Claim Forms

-Proof of Loss

-Time of Payment of Claims

-Payment of Claims

-Physical Examination and Autopsy Legal Actions

-Change of Beneficiary


Policy Provisions and Options

-Entire Contract

-Insuring Clause

-Free Look

-Consideration Clause

-Owner's Rights

-Beneficiary Designations
-Primary and Contingent
-Revocable and Irrevocable
-Changes
-Common Disaster

-Premium Payment
-Modes
-Grace Period
-Automatic Premium Loan
-Level or Flexible

-Reinstatement

-Policy Loans, Withdrawals, and Partial Surrenders

-Nonforfeiture Options

-Dividends and Dividend Options

-Incontestability

-Assignments

-Suicide

-Misstatement of Age

-Settlement Options


Optional Provisions

-Change of Occupation

-Misstatement of Age

-Illegal Occupation


Other Provisions and Clauses

-Probationary Period

-Elimination Period

-Waiver of Premium

-Exclusions

-Preexisting Conditions

-Recurrent Disability

-Coinsurance

-Deductibles


Policy Exclusions


Policy Riders

-Waiver of Premium

-Guaranteed Insurability

-Payor Benefit

-Accidental Death and/or Accidental Death and Dismemberment

-Term Riders

-Other Insureds


Riders

-Impairment Rider

-Guaranteed Insurability Rider

-Multiple Indemnity Rider


Rights of Renewability

-Noncancelable

-Cancelable

-Guaranteed Renewable

-Conditionally Renewable

-Optionally Renewable

-Period of Time


Products

Disability Income

Whole Life-Stock/Mutual

Term

Universal Life

Endowment

Joint Life

Survivorship

Annuities

Fixed

-Equity

-Variable Annuity


Variable Life

Underwriting

Completing the Application

-Required Signatures

-Collecting the Initial Premium and Issuing the Receipt

-Conditional Receipt
-Binding Receipt

-Consequences of Incomplete Applications

-Insurable Interest

-Medical Information and Consumer Reports


Delivering the Policy

-When Coverage Begins

-Client Explanation

-Free Look Provisions


Considerations in Replacing Health Insurance

State Replacement Requirements

Types of Providers and Plans

State Insurance Security Plans

Accidental Death and Dismemberment


Limited Benefit Plans

-Specified Disease (cancer, heart)

-Hospital Confinement Indemnity

-Basic Hospital Plan


Major Medical

HMOs

PPOs

Mets

Mewas

Service (Blue Cross, Blue Shield)

Group Health Plans

Medicare Supplement Insurance

Medicare Supplement Insurance

Renewal Features

Part D

Long-Term Care (LTC) Policies

Deductibility or Premiums for LTC Insurance for State Income Tax Purposes

Renewal Features

Sales Requirements

Minimum Standards

Coverage Selections
The Insurance Education Institute and The Griffith Foundation for Insurance Education
Insurance Certification Test
Available: http://www.theiei.org/

Or

Oklahoma Insurance Accident & Health Examination
Application Available: http://www.oid.state.ok.us/


Examination Registration Form and Exam Request Form Available: http://www.psiexams.com/

Eight hours of Pre-Licensing Education is required before taking the Oklahoma Insurance Life Examination. These hours must be taken in a classroom setting administered by an Approved Pre-Licensing Education Provider

Each test includes a State-Specific Portion of twenty-five percent. The content of this portion and additional study resources can be found on the Insurance Examinations Candidate Information Bulletin listed below.

Forms Link:
http://www.oid.state.ok.us/www2.oid.state.ok.us/PDF/Forms/ALForms.asp
The Insurance Education Institute and The Griffith Foundation for Insurance Education

Oklahoma Insurance Life Examination
Life Concepts, 18th Edition. Kaplan Financial, 2006.
Available: http://www.psionlinestore.com/

Health Concepts, 18th Edition, Kaplan Financial, 2006.
Available: http://www.psionlinestore.com/

Crawford, Muriel L. Life & Health Insurance Law, Loma Edition, 8th Edition. McGraw Hill Higher Education. ISBN-13 9780256166996, 1998.
Available: http://mhhe.com/

Harrington and Niehaus. Risk Management and Insurance, 2nd Edition. McGraw Hill Higher Education. ISBN-978-0-07-233970-5, 2004.
Available: http://www.mhhe.com/

Insurance Examinations Candidate Information Bulletin. Oklahoma Insurance Department.
Available: http://www.oid.state.ok.us/www2.oid.state.ok.us/PDF/Forms/Agents/2007/Oklahoma%20Candidate%20Information%20Bulletin%20-%20PSI.pdf
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Career Majors That Sequence This Course
Career Cluster Pathway Career Major
Finance Insurance Services Insurance Customer Service Representative-Life and Health