Ohio Department of Insurance OH-Life-Agent-Series-11-44 Value Pack (Frequently Bought Together)

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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. Who can surrender an annuity during the accumulation period?

A) The policyowner.
B) The annuitant.
C) The company.
D) The beneficiary.

2. Generally, If a life application Is NOT prepaid, the effective date of coverage begins on the date the

A) application is postmarked and mailed to the insurer.
B) policy is delivered and accepted.
C) application is signed.
D) company underwriter approves the risk.

3. What is the approach to assessing the consumer's need for life insurance that focuses on an individual's future
stream of income?

A) Human Life Value approach
B) Needs approach
C) Affordability approach
D) Return of Investment approach

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

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

5. An accelerated death benefit

A) allows the policyowner to sell their policy to a third party.
B) pays only in the event of an accident resulting in death.
C) pays a portion of the face amount when a policyowner Is determined to be terminally ill.
D) pays an additional benefit if the policyholder dies as a result of an accident.

Solutions: