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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Annuities | 12% | - Immediate vs deferred annuities - Annuity principles and types - Fixed and specialty annuities - Payment options and uses |
| Topic 2: Types of Life Insurance Policies | 12% | - Term life insurance - Universal and indexed universal life - Group and credit life insurance - Whole life and permanent life |
| Topic 3: Life Insurance Basics | 18% | - Viatical settlements and specialized plans - Personal and business uses of life insurance - Underwriting and policy issue - Determining coverage amounts |
| Topic 4: Federal Tax Considerations | 12% | - Tax treatment of annuities - Modified Endowment Contracts (MECs) - Taxation of life insurance proceeds - 1035 Exchanges and rollovers |
| Topic 5: Policy Provisions, Options & Riders | 22% | - Beneficiary designations - Nonforfeiture and settlement options - Dividends, loans and withdrawals - Common policy riders - Standard policy provisions |
| Topic 6: General Insurance Concepts | 12% | - Risk management and insurable interest - Elements of insurance contracts - Types of insurers and market conduct - Agent authority and responsibilities |
| Topic 7: Insurance Regulation | 12% | - Licensing requirements and maintenance - Continuing education requirements - Disciplinary actions and penalties - State and federal insurance laws - Resident and non-resident rules |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
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.
Correct Answer: A 🗳️
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
Correct Answer: D 🗳️
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.
Correct Answer: D 🗳️
Who can surrender an annuity during the accumulation period?
- A. The beneficiary.
- B. The policyowner.
- C. The annuitant.
- D. The company.
Correct Answer: B 🗳️
Which activity does NOT require an Insurance agent's license?
- A. negotiating
- B. selling
- C. underwriting
- D. soliciting
Correct Answer: C 🗳️
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