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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Federal Tax Considerations | 12% | - 1035 Exchanges and rollovers - Modified Endowment Contracts (MECs) - Tax treatment of annuities - Taxation of life insurance proceeds |
| Annuities | 12% | - Fixed and specialty annuities - Payment options and uses - Annuity principles and types - Immediate vs deferred annuities |
| Policy Provisions, Options & Riders | 22% | - Nonforfeiture and settlement options - Standard policy provisions - Beneficiary designations - Dividends, loans and withdrawals - Common policy riders |
| Types of Life Insurance Policies | 12% | - Whole life and permanent life - Universal and indexed universal life - Group and credit life insurance - Term life insurance |
| Life Insurance Basics | 18% | - Determining coverage amounts - Underwriting and policy issue - Personal and business uses of life insurance - Viatical settlements and specialized plans |
| Insurance Regulation | 12% | - Disciplinary actions and penalties - Resident and non-resident rules - State and federal insurance laws - Continuing education requirements - Licensing requirements and maintenance |
| General Insurance Concepts | 12% | - Elements of insurance contracts - Types of insurers and market conduct - Risk management and insurable interest - Agent authority and responsibilities |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
Question 1
In reference to life Insurance in contract law, a person MOST likely will have an insurable interest in insuring
a person's life If
A. any type of distant family relationship exists with the insured party.
B. the interest exists at the time of application.
C. the interest exists at the time of death.
D. any type of business relationship exists between the insured party and the beneficiary.
Question 2
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 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.
C. The insurer must pay the full amount as stated in the policy, as age is not considered a relevant factor.
D. 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.
Question 3
What does a limited payment whole life policy provide?
A. Protection to age 65.
B. Life time protection.
C. A lower premium.
D. Pure protection.
Question 4
Which of the following represents a syndicate of underwriters that specialize in Insuring specific types of risk?
A. Lloyd's association
B. reciprocal insurer
C. fraternal benefit society
D. risk retention group
Question 5
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.
Solutions:
| Question 1 Answer: B | Question 2 Answer: B | Question 3 Answer: C | Question 4 Answer: D | Question 5 Answer: C |
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