[2024年05月] 更新されたのはOhio Department of Insurance OH-Life-Agent-Series-11-44問題集PDFオンラインエンジン
OH-Life-Agent-Series-11-44.PDFで問題解答！サンプル問題は信頼され続けます
質問 # 29
Survivorship life insurance policies are useful in estate planning because they
- A. can provide money to pay taxes on assets.
- B. redistribute the premium obligation during the early years of the policy.
- C. provide funeral insurance and pre-need burial insurance.
- D. accumulate a sum of money for retirement.
正解：A
質問 # 30
All of the following statements apply to the surrender of an annuity contract EXCEPT
- A. the owner has the right to surrender the contract during the accumulation period.
- B. the right to surrender Is available on immediate and deferred annuities.
- C. surrender charges diminish over a stated number of years and will eventually disappear.
- D. surrender charges will reduce the contract payout amount.
正解：B
質問 # 31
Each of the following are characteristics of a fixed annuity contract EXCEPT
- A. benefit payments remain level.
- B. it may be sold as an immediate or deferred annuity.
- C. the minimum interest rate is guaranteed in the contract.
- D. funds are Invested in a separate account.
正解：D
質問 # 32
Who can surrender an annuity during the accumulation period?
- A. The policyowner.
- B. The company.
- C. The beneficiary.
- D. The annuitant.
正解：A
質問 # 33
Making a statement that is false and maliciously critical of the financial condition of an insurer is known as
- A. defamation.
- B. coercion.
- C. misrepresentation.
- D. intimidation.
正解：C
質問 # 34
All the following riders can Increase the death benefit amount EXCEPT
- A. Cost of Living.
- B. Accidental Death Rider.
- C. Guaranteed Insurability.
- D. Waiver of Premium.
正解：B
質問 # 35
A policyowner may not pay premiums with which frequency?
- A. Quarterly
- B. Semi-annually
- C. Monthly
- D. Bi-weekly
正解：D
質問 # 36
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. family income rider.
- B. guaranteed insurability rider.
- C. child term rider.
- D. famitp maintenance rider.
正解：D
質問 # 37
An immediate annuity begins making payments after the
- A. policy has been in force for one year.
- B. first premium has been paid.
- C. policy reaches its maturation date.
- D. policyholder suffers a disability.
正解：B
質問 # 38
Kelvin is receiving tax deferred growth until retirement. In what phase would Kelvin's annuity be?
- A. Accumulation period.
- B. Payout period.
- C. Annuity period.
- D. Nonforfeiture period.
正解：A
質問 # 39
Which activity does NOT require an Insurance agent's license?
- A. negotiating
- B. soliciting
- C. selling
- D. underwriting
正解：D
質問 # 40
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. Surrender of the policy.
- C. A loan from the policy.
- D. Cash withdrawal.
正解：D
質問 # 41
What annuity payout option has no additional payouts regardless of when the annuitant dies?
- A. Installment refund.
- B. Life only.
- C. Life certain.
- D. Cash refund.
正解：B
質問 # 42
An exposure Is a condition or situation that presents the possibility of
- A. indemnity.
- B. peril.
- C. loss.
- D. hazard.
正解：C
質問 # 43
While texting and driving, an Insured loses control of the vehicle and hits a tree. The resulting collision Is
- A. a risk.
- B. a hazard.
- C. an exposure.
- D. a peril.
正解：D
質問 # 44
The type of insurance used to indemnify a firm for the loss of earnings brought about by the death or disability
of an officer or other significant employee Is
- A. employee welfare.
- B. business continuation life.
- C. key person.
- D. business overhead.
正解：C
質問 # 45
Which of the following dividend options is taxable?
- A. 1-year term.
- B. Accumulation at interest.
- C. Return of premium.
- D. Paid up additions.
正解：B
質問 # 46
What type of insurance is the cheapest option to pay off a 30-year mortgage balance?
- A. Increasing term insurance.
- B. Level term insurance.
- C. Variable life insurance.
- D. Decreasing term insurance.
正解：D
質問 # 47
Which of the following statements BEST describes a single premium cash value policy?
- A. It requires only one payment to make the policy paid up.
- B. It requires the policyowner to pay one premium annually.
- C. It provides for only one premium to be paid without evidence of insurability.
- D. It waives one future premium if the owner becomes disabled.
正解：A
質問 # 48
The premium mode defines the
- A. premium amount.
- B. method of premium payment.
- C. frequency of the premium payment.
- D. premium limit.
正解：C
質問 # 49
To receive proceeds from a death benefit, a minor
- A. can only be named as a contingent beneficiary.
- B. must have an appointed guardian.
- C. must be at least 16 years old.
- D. must be related to the insured.
正解：B
質問 # 50
Which nonforfeiture option allows the policyowner to purchase less coverage for life?
- A. Reduced Paid-Up Insurance.
- B. Extended Term.
- C. Cash Surrender Value.
- D. Settlement Value.
正解：A
質問 # 51
Competency of an Individual to enter into an Insurance contract is determined based on
- A. legal purpose.
- B. ownership.
- C. payment of premium.
- D. legal age.
正解：D
質問 # 52
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