[2024年08月27日] OH-Life-Agent-Series-11-44 PDFで最近更新された問題です集試験点数を伸ばそう
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質問 # 27
Upon the divorce of an insured who designated their spouse as the beneficiary, which of the following actions
will result?
- A. the spouse designated as beneficiary will remain an irrevocable beneficiary
- B. the designation of the spouse as a beneficiary is revoked
- C. the insured must pay 50% of the premiums paid to the spouse named as the beneficiary
- D. the policy will automatically be terminated
正解：B
質問 # 28
What annuity payout option has no additional payouts regardless of when the annuitant dies?
- A. Cash refund.
- B. Installment refund.
- C. Life certain.
- D. Life only.
正解：D
質問 # 29
All of the following statements apply to the surrender of an annuity contract EXCEPT
- A. surrender charges will reduce the contract payout amount.
- B. the right to surrender Is available on immediate and deferred annuities.
- C. the owner has the right to surrender the contract during the accumulation period.
- D. surrender charges diminish over a stated number of years and will eventually disappear.
正解：B
質問 # 30
What type of insurance is the cheapest option to pay off a 30-year mortgage balance?
- A. Variable life insurance.
- B. Increasing term insurance.
- C. Level term insurance.
- D. Decreasing term insurance.
正解：D
質問 # 31
The most common use of a group life insurance policy is to insure
- A. company employees.
- B. members of a family.
- C. association members.
- D. retirees.
正解：A
質問 # 32
Which rider would allow additional insurance to be purchased at specified dates or events, without additional
underwriting?
- A. Disability income.
- B. Cost of living.
- C. Guaranteed insurability.
- D. Guaranteed renewability.
正解：C
質問 # 33
Insurance agents have duties and responsibilities to the insured and the insurer. Which of the following
responsibilities does an agent owe the insured during the policy year?
- A. Notify the insurance department when claims are paid.
- B. Help the insured file and follow up on claims.
- C. Pay the insured's premiums if they are unable to do so.
- D. Work with rating bureaus to establish insurer ratings.
正解：B
質問 # 34
An Insured owns a whole life policy that has accumulated cash value. Which of the following statements Is
true about the policy's cash value?
- A. The growth of the policy's cash value Is not subject to income tax while the policy Is in force.
- B. The policy's cash value is viewed as investment growth and therefore subject to taxation for each
calendar year. - C. It is subject to fluctuations of the company's overall performance.
- D. The cash value is not guaranteed.
正解：A
質問 # 35
Which of the following is a provision in an interest-sensitive life policy which allows the policyowner to
withdraw the policy's cash value Interest free?
- A. Partial Surrender.
- B. Automatic Premium Loan.
- C. Spendthrift Clause.
- D. Waiver of Premium.
正解：A
質問 # 36
Which of the following individuals has the right to name a beneficiary?
- A. Insured
- B. assignee
- C. producer
- D. owner
正解：D
質問 # 37
Kelvin is receiving tax deferred growth until retirement. In what phase would Kelvin's annuity be?
- A. Payout period.
- B. Annuity period.
- C. Nonforfeiture period.
- D. Accumulation period.
正解：D
質問 # 38
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. 45 calendar days
- B. 90 calendar days
- C. 30 calendar days
- D. 60 calendar days
正解：A
質問 # 39
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 # 40
The settlement option that allows proceeds to remain with the Insurer and the earnings to be paid to the
beneficiary on a monthly basis is called
- A. fixed amount.
- B. interest only.
- C. lump sum.
- D. fixed period.
正解：B
質問 # 41
Generally, If a life application Is NOT prepaid, the effective date of coverage begins on the date the
- A. policy is delivered and accepted.
- B. company underwriter approves the risk.
- C. application is signed.
- D. application is postmarked and mailed to the insurer.
正解：A
質問 # 42
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