OHIO Life Insurance Agent Series 11-44
Last Update Nov 30, 2025
Total Questions : 105
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After a request has been received for verification of coverage from a viatical settlement provider, an insurance company authorized to do business shall respond within:
Which settlement option pays a benefit as long as one of the insureds is living?
A whole life insurance policy issued by a mutual insurer that provides a return of divisible surplus is called a
Which term describes naming a contingent beneficiary as “all of my children”?
Which of the following dividend options allows a policyowner to use the dividend to pay all or part of the next premium due on the policy?
As a form of level premium permanent insurance, ordinary life insurance accumulates a reserve that eventually:
If an agent does NOT send a refund to a policyholder within an acceptable time frame, the agent may:
Which of the following plans will provide a death benefit to the policy's beneficiary income tax-free?
Upon the divorce of an insured who designated their spouse as the beneficiary, which of the following actions will result?
All of the following factors are used in life insurance premium determination EXCEPT:
Which of the following is a characteristic of level premium term life insurance?
The limitation expressed in limited payment policies is a limit on the number of annual premiums or the
Which of the following is a provision in an interest-sensitive life policy which allows the policyowner to withdraw the policy's cash value interest-free?
When a policy owner requests a partial surrender from her Universal Life Policy, she is requesting which of the following?
Which of the following methods could eliminate the risk of having a skydiving accident?
A policy may contain provisions excluding or restricting coverage as specified in the event of death under all of the following EXCEPT:
A common disaster clause states that if the beneficiary dies from the same accident as the insured individual, the insurer will proceed as if the
The only beneficiary named in a life insurance policy died before the insured. The policyowner did not name a new beneficiary. When a claim is filed, the death benefit would be paid to the:
An annuity where the policyowner chooses a pre-determined number of benefit payments is referred to as:
A life insurance rider which reimburses expenses incurred in a convalescent or nursing home facility is:
Statements by an applicant concerning personal health history, family health history, occupation, and hobbies are referred to as:
A life insurance policy can be backdated before the application date for up to:
In which of the following fixed annuity features is the surrender value tied to interest rates?
Reinsurers are a specialized branch of the insurance industry because they:
Insurance agents have duties and responsibilities to the insured and the insurer. Which of the following responsibilities does an agent owe the insured during the policy year?
The Group Life underwriting risk selection process helps protect insurers from:
The applicant must face the possibility of losing something of value in the event of the insured’s death. This principle is known as:
Upon the death of an insured individual, what does life insurance guarantee to deliver to the beneficiary?
Every application for a life insurance policy issued in Ohio must include questions structured to identify and prevent policies being purchased for the purpose of
Which of the following describes the process of selection, classification, and rating of risks?
Loans may generally be obtained against the cash value of a personal life insurance policy, and policy loan proceeds:
A licensee who informs an insured of inaccurate terms, benefits, or advantages of any policy is committing which of the following violations?
Events or conditions that increase the likelihood of an insured’s loss are referred to as
Insurance that is designed to pay the balance of a loan if the insured dies before the loan has been repaid in full is:
Without written consent, a policyowner CANNOT change the beneficiary if he has named:
An applicant purchases a life insurance policy to avoid the forced sale of assets upon his death. What is this action called?
TESTED 30 Nov 2025
