Under Oklahoma's Unfair Claims Settlement Practices Act, which insurer conduct is specifically identified as an unfair claims practice?
A. Requesting reasonable documentation to substantiate a claim
B. Promptly acknowledging and responding to communications about a claim
C. Misrepresenting pertinent facts or policy provisions relating to coverage at issue
D. Paying a claim in full within the policy's stated time limits
Source: 36 O.S. § 1250.5
In Oklahoma, which line of authority must a producer hold to sell, solicit, or negotiate both personal and commercial property and casualty insurance products, including homeowners, auto, and general liability coverage?
A. Property and Casualty line of authority
B. Property and Casualty - Personal Lines Only
C. Surplus lines line of authority
D. Life line of authority
Source: Insurance License Types - Oklahoma Insurance Department (oid.ok.gov/licensing-and-education/insurance-license-types/)
How many total hours of continuing education must an Oklahoma resident property and casualty producer complete during each two-year license period, and how many of those hours must be ethics?
A. 16 total hours, with 1 hour of ethics
B. 24 total hours, with 3 hours of ethics
C. 20 total hours, with 5 hours of ethics
D. 12 total hours, with no ethics requirement
Source: License CE Requirements - Oklahoma Insurance Department (oid.ok.gov/licensing-and-education/license-ce-requirements/)
An Oklahoma resident producer license expires on what date?
A. Exactly two years from the date of initial issuance, regardless of birth month
B. The license does not expire once issued
C. The last day of the licensee's birth month, on a two-year cycle
D. December 31 of every odd-numbered year
Source: License CE Requirements - Oklahoma Insurance Department (oid.ok.gov/licensing-and-education/license-ce-requirements/)
A producer in Oklahoma completes 30 hours of continuing education in one biennial period, 6 hours more than required. What happens to the excess hours under Oklahoma's CE carryover rule?
A. Excess hours automatically convert into ethics credit for the next period
B. They are forfeited entirely and cannot be used
C. All 6 excess hours may be carried over, since Oklahoma allows unlimited carryover
D. Up to 6 hours may be carried over to the next renewal period
Source: License CE Requirements - Oklahoma Insurance Department (oid.ok.gov/licensing-and-education/license-ce-requirements/)
