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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:

1. Deliberate withholding of material facts that would affect the validity of an Insurance policy or a claim under
the policy Is known as

A) slanting.
B) misrepresentation.
C) aleatory contract.
D) concealment.

2. What annuity payout option has no additional payouts regardless of when the annuitant dies?

A) Life certain.
B) Life only.
C) Installment refund.
D) Cash refund.

3. Extended term Insurance can be selected under which whole life policy provision?

A) interest-only
B) nonforfeiture
C) settlement
D) cash value

4. The structure of a credit life insurance policy does NOT allow for

A) Individual policies.
B) group policies.
C) coverage amount to match the loan amount.
D) conversion privileges.

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

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

Solutions: