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

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

2. Which activity does NOT require an Insurance agent's license?

A) negotiating
B) selling
C) underwriting
D) soliciting

3. In which of the following fixed annuity features Is the surrender value tied to Interest rates?

A) variable sub accounts
B) interest sensitive trigger
C) market value adjustments
D) fixed value rates

4. Under Ohio insurance laws, what must a licensee do prior to operating under an assumed business name?

A) obtain approval from the insurer
B) notify the superintendent
C) notify all prospective insureds
D) notify the National Association of Insurance Commissioners

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

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

Solutions: