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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:

Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:

Question 1

An insured owns a whole life insurance policy on himself. He would also like coverage for his minor son
and/or daughter. One way the Insured can accomplish this goal Is to purchase a

A. famitp maintenance rider.
B. child term rider.
C. family income rider.
D. guaranteed insurability rider.

Question 2

Under Ohio insurance laws, what must a licensee do prior to operating under an assumed business name?

A. notify all prospective insureds
B. obtain approval from the insurer
C. notify the National Association of Insurance Commissioners
D. notify the superintendent

Question 3

Loans may generally be obtained against the cash value of a personal life Insurance policy and policy loan
proceeds

A. are subject to Federal estate tax.
B. accelerate the benefits under the policy.
C. generate nontaxable interest income.
D. are not treated as taxable income.

Question 4

Who can surrender an annuity during the accumulation period?

A. The beneficiary.
B. The policyowner.
C. The annuitant.
D. The company.

Question 5

Which activity does NOT require an Insurance agent's license?

A. negotiating
B. selling
C. underwriting
D. soliciting

Solutions: