Winter Sale Limited Time 65% Discount Offer - Ends in 0d 00h 00m 00s - Coupon code: s2p65

Easiest Solution 2 Pass Your Certification Exams

OH-Life-Agent-Series-11-44 Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Free Practice Exam Questions (2025 Updated)

Prepare effectively for your Ohio Department of Insurance OH-Life-Agent-Series-11-44 OHIO Life Insurance Agent Series 11-44 certification with our extensive collection of free, high-quality practice questions. Each question is designed to mirror the actual exam format and objectives, complete with comprehensive answers and detailed explanations. Our materials are regularly updated for 2025, ensuring you have the most current resources to build confidence and succeed on your first attempt.

Ohio Department of Insurance OH-Life-Agent-Series-11-44 Premium Access     Download Demo    
Page: 2 / 2
Total 105 questions

An applicant would be charged a higher premium for a life Insurance policy if they were

A.

younger.

B.

older.

C.

married.

D.

deaf.

All of the following statements regarding a group annuity are correct, EXCEPT

A.

purchased as part of a structured corporate pension plan.

B.

each employee signs and receives an individual contract.

C.

participation is limited to eligible employees.

D.

considered a defined-benefit plan.

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.

child term rider.

B.

family income rider.

C.

famitp maintenance rider.

D.

guaranteed insurability rider.

While texting and driving, an Insured loses control of the vehicle and hits a tree. The resulting collision Is

A.

an exposure.

B.

a hazard.

C.

a peril.

D.

a risk.

To receive proceeds from a death benefit, a minor

A.

must be related to the insured.

B.

can only be named as a contingent beneficiary.

C.

must be at least 16 years old.

D.

must have an appointed guardian.

Generally, rates charged for Insurance may NOT be

A.

discriminatory.

B.

cost prohibitive.

C.

excessive, inadequate, or unfairly discriminatory.

D.

different for persons withdiffering risk profiles.

Which of the following is a life insurance contract written on the life of an individual?

A.

Insurance.

B.

Survivorship Policy.

C.

Joint Life Contract.

D.

Single-Life Insurance.

An insured has chosen to receive the payout from her husband's life insurance policy so that she will receive an Income for the next 10 years. At the end of that time, the entire proceeds from the policy will have been paid out. The insured has selected which option?

A.

Fixed period.

B.

Interest only.

C.

Fixed amount.

D.

Life income.

All the following riders can Increase the death benefit amount EXCEPT

A.

Cost of Living.

B.

Waiver of Premium.

C.

Accidental Death Rider.

D.

Guaranteed Insurability.

Interest earned on a Traditional IRA is taxed

A.

prior to contribution.

B.

during the accumulation period.

C.

at distribution.

D.

only if there is a premature distribution.

What is an Insurer's liability when it Is discovered after an Insured dies that the Insured's age on the policy was misstated?

A.

The insurer is not liable to pay any amount due to the insured's misstatement of age.

B.

The insurer must pay the full amount of the policy, minus any additional premiums the Insurance company would have paid based on the Insured's actual age.

C.

The insurer must pay a prorated amount of the policy based on the amount of insurance the insured's premiums would have been if purchased at the correct age.

D.

The insurer must pay the full amount as stated in the policy, as age is not considered a relevant factor.

Ohio Department of Insurance OH-Life-Agent-Series-11-44 Premium Access     Download Demo    
Page: 2 / 2
Total 105 questions
Copyright © 2014-2025 Solution2Pass. All Rights Reserved