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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. When a policy owner requests a partial surrender from her Universal Life Policy she Is requesting which of the
following?

A) Decrease In the coverage amount.
B) Cash withdrawal.
C) Surrender of the policy.
D) A loan from the policy.

2. The most common use of a group life insurance policy is to insure

A) association members.
B) retirees.
C) members of a family.
D) company employees.

3. The accumulated cash value of a whole life insurance policy becomes the

A) amount used to purchase paid up additions to the insured's policy.
B) policy loan value upon which the insured may borrow.
C) funds used to offset policy administration and conversion expenses.
D) face amount payable upon the insured's death.

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

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

5. Which of the following dividend options is taxable?

A) Paid up additions.
B) Accumulation at interest.
C) 1-year term.
D) Return of premium.

Solutions: