Ohio Department of Insurance Life Agent Series 11-44 OHIO Life Insurance Agent Series 11-44 Online Training
Ohio Department of Insurance Life Agent Series 11-44 Online Training
The questions for Life Agent Series 11-44 were last updated at Feb 13,2025.
- Exam Code: Life Agent Series 11-44
- Exam Name: OHIO Life Insurance Agent Series 11-44
- Certification Provider: Ohio Department of Insurance
- Latest update: Feb 13,2025
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:
- A . 30 calendar days
- B . 45 calendar days
- C . 60 calendar days
- D . 90 calendar days
An agent’s actions or deeds demonstrate what kind of authority?
- A . apparent
- B . delegated
- C . express
- D . inherent
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.
Under the children’s term rider, what occurs when a child reaches the specified age? He or she
- A . automatically becomes the beneficiary of the life insurance policy.
- B . must show evidence of insurability to remain covered.
- C . may Increase the term coverage of the rider.
- D . is eliminated from coverage.
Insurers do business in Ohio only after a thorough financial review. Most insurance policies written in Ohio are protected by the Guaranty Association established to protect policy owners In the event an admitted company
- A . cannot meet it’s capital surplus requirements.
- B . merges with a foreign insurer.
- C . becomes financially insolvent.
- D . depletes its loss reserves.
An Insurer would consider which of the following In determining whether to accept a group life plan?
- A . Grace period
- B . Beneficiary
- C . Average age
- D . Dependents
Under an executive bonus plan, premiums paid by the employer are
- A . reported as taxable income to the employee.
- B . tax deductible to both the employee and employer.
- C . reported as taxable Income to the employer.
- D . only tax deductible when the bonus is an insurance plan.
Upon the divorce of an insured who designated their spouse as the beneficiary, which of the following actions will result?
- A . the insured must pay 50% of the premiums paid to the spouse named as the beneficiary
- B . the spouse designated as beneficiary will remain an irrevocable beneficiary
- C . the designation of the spouse as a beneficiary is revoked
- D . the policy will automatically be terminated
It is unlawful for a person to provide an advertisement which
- A . uses a testimonial.
- B . refers to the insurer’s financial rating.
- C . points out coverage advantages of a policy.
- D . uses a policy title to inaccurately describe a coverage.
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.
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