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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. A policyowner may not pay premiums with which frequency?

A) Semi-annually
B) Bi-weekly
C) Monthly
D) Quarterly

2. Which of the following policies allows the policyowner to change two policy features?

A) Adjustable Life.
B) Term Life.
C) Credit Life.
D) Modified Life.

3. If an agent does NOT send a refund to a policyholder within an expectable time frame, the agent may

A) be charged interest on the refund amount.
B) be barred from seeking an appeal.
C) have his or her license suspended or revoked.
D) receive a deduction in commissions.

4. Which of the following is a characteristic of a contract of adhesion?

A) The Insurer agrees to pay a stated sum regardless of loss.
B) The insurer's obligations are dependent upon certain acts of the insured individual.
C) Each party is entitled to rely on others' representations.
D) The terms must be accepted or rejected in full.

5. A single premium Immediate annuity Is MOST often used for

A) mortgage payments.
B) vacation expenses.
C) retirement income.
D) children's college expenses.

Solutions: