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

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

2. The PRIMARY reason for purchasing life Insurance Is to provide

A) safety of principal.
B) retirement Income.
C) death benefits.
D) college tuition.

3. An agent's underwriting duties Include which of the following?

A) Declining or accepting an application.
B) Setting premium amounts.
C) Issuing the policy.
D) Completing all applications and collecting initial premiums.

4. At what age can an Individual begin to receive distributions from an IRA without a tax penalty?

A) 55 1/2 years.
B) 63 1/2 years.
C) 65 1/2 years.
D) 59 1/2 years.

5. Which of the following statements BEST describes a single premium cash value policy?

A) It provides for only one premium to be paid without evidence of insurability.
B) It requires the policyowner to pay one premium annually.
C) It waives one future premium if the owner becomes disabled.
D) It requires only one payment to make the policy paid up.

Solutions: