試験合格保証付きのOHIO Life Insurance OH-Life-Agent-Series-11-44試験問題集
Ohio Department of Insurance OH-Life-Agent-Series-11-44日常練習試験は2024年最新のに更新された107問あります
質問 # 40
A modified endowment contract (MEC) receives different tax treatment on pre-death distributions than other
life Insurance policies because the modified endowment policy
- A. has a larger cash surrender value.
- B. generally pays dividends to the policyowner.
- C. does not provide for loans to the policyowner.
- D. tends to be an investment vehicle.
正解：D
質問 # 41
Competency of an Individual to enter into an Insurance contract is determined based on
- A. payment of premium.
- B. ownership.
- C. legal age.
- D. legal purpose.
正解：C
質問 # 42
Making a statement that is false and maliciously critical of the financial condition of an insurer is known as
- A. coercion.
- B. intimidation.
- C. misrepresentation.
- D. defamation.
正解：C
質問 # 43
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
- A. policyowner.
- B. insured's estate.
- C. beneficiary's estate.
- D. Insured's next of kin.
正解：B
質問 # 44
An insured has chosen to receive the payout from her husband's life insurance policy so that she will receive
an Income for the next 10 years. At the end of that time, the entire proceeds from the policy will have been
paid out. The insured has selected which option?
- A. Fixed period.
- B. Life income.
- C. Fixed amount.
- D. Interest only.
正解：A
質問 # 45
Which of the following policies allows the policyowner to change two policy features?
- A. Term Life.
- B. Adjustable Life.
- C. Modified Life.
- D. Credit Life.
正解：B
質問 # 46
The accumulated cash value of a whole life insurance policy becomes the
- A. policy loan value upon which the insured may borrow.
- B. amount used to purchase paid up additions to the insured's policy.
- C. face amount payable upon the insured's death.
- D. funds used to offset policy administration and conversion expenses.
正解：A
質問 # 47
Loans may generally be obtained against the cash value of a personal life Insurance policy and policy loan
proceeds
- A. are subject to Federal estate tax.
- B. generate nontaxable interest income.
- C. are not treated as taxable income.
- D. accelerate the benefits under the policy.
正解：C
質問 # 48
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. becomes financially insolvent.
- C. depletes its loss reserves.
- D. merges with a foreign insurer.
正解：B
質問 # 49
Kelvin is receiving tax deferred growth until retirement. In what phase would Kelvin's annuity be?
- A. Annuity period.
- B. Payout period.
- C. Nonforfeiture period.
- D. Accumulation period.
正解：D
質問 # 50
Which of the following is a characteristic of a non-admitted Insurer?
- A. A non-admitted insurer is required to submit forms to the Department of Insurance.
- B. A non-admitted insurer is also known as a domestic insurer.
- C. A non-admitted insurer is required to submit rates for approval.
- D. A non-admitted insurer is not afforded protection by the guaranty fund.
正解：D
質問 # 51
An exposure Is a condition or situation that presents the possibility of
- A. indemnity.
- B. peril.
- C. hazard.
- D. loss.
正解：D
質問 # 52
When a beneficiary Inherits a traditional IRA, which of the following Is TRUE about taxation when the money
is withdrawn? The beneficiary pays
- A. no tax.
- B. an estate tax.
- C. capital gains tax.
- D. income tax.
正解：D
質問 # 53
Which of the following represents a syndicate of underwriters that specialize in Insuring specific types of risk?
- A. fraternal benefit society
- B. reciprocal insurer
- C. risk retention group
- D. Lloyd's association
正解：C
質問 # 54
The grace period is a period of time
- A. between the death of the insured individual and the payment of the benefits.
- B. after the premium is received and before the policy is issued.
- C. after the premium is paid and before the policy is issued.
- D. after the premium is due but while the policy remains in force.
正解：D
質問 # 55
......
テストエンジン練習OH-Life-Agent-Series-11-44テスト問題：https://jp.fast2test.com/OH-Life-Agent-Series-11-44-premium-file.html
有効問題を試そう！OH-Life-Agent-Series-11-44実際の試験問題解答：https://drive.google.com/open?id=1GbFutsr3ojAa06bSDJTUodeeTfDSvRxI