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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Practice Test Questions Answers

Exam Code: OH-Life-Agent-Series-11-44 (Updated 105 Q&As)
Exam Name: OHIO Life Insurance Agent Series 11-44
Last Update: 07-Dec-2025
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Questions Include:

  • Single Choice: 105 Q&A's

  • OH-Life-Agent-Series-11-44 Overview

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    OH-Life-Agent-Series-11-44 Questions and Answers

    Question # 1

    Each of the following are characteristics of a fixed annuity contract EXCEPT

    A.

    funds are Invested in a separate account.

    B.

    the minimum interest rate is guaranteed in the contract.

    C.

    benefit payments remain level.

    D.

    it may be sold as an immediate or deferred annuity.

    Question # 2

    An insured wants to purchase a policy with three key elements: flexible premium, death benefit, and the choice of mutual funds where the cash value will be Invested In a separate account. The Insured should purchase

    A.

    universal life.

    B.

    adjustable life.

    C.

    variable universal life.

    D.

    graded premium whole life.

    Question # 3

    Without written consent, a policyowner CANNOT change the beneficiary If he has named

    A.

    a contingent beneficiary.

    B.

    a revocable beneficiary.

    C.

    a permanent beneficiary.

    D.

    an irrevocable beneficiary.

    Question # 4

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

    A.

    Credit Life.

    B.

    Modified Life.

    C.

    Adjustable Life.

    D.

    Term Life.

    Question # 5

    The proposed insured's statements on a life insurance application are considered to be

    A.

    absolute statements.

    B.

    misrepresentations.

    C.

    representations.

    D.

    warranties.

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