[2024年10月最新リリース]OH-Life-Agent-Series-11-44試験問題はあなたをパスさせる
Ohio Department of Insurance OH-Life-Agent-Series-11-44試験基本問題とアンサー
質問 # 43
Statements by an applicant concerning personal health history, family health history, occupation, and hobbies
are referred to as
- A. depictions.
- B. certifications.
- C. representations.
- D. personal characteristics.
正解：C
質問 # 44
Which rider would allow additional insurance to be purchased at specified dates or events, without additional
underwriting?
- A. Guaranteed renewability.
- B. Disability income.
- C. Guaranteed insurability.
- D. Cost of living.
正解：C
質問 # 45
A policyowner may not pay premiums with which frequency?
- A. Monthly
- B. Quarterly
- C. Semi-annually
- D. Bi-weekly
正解：D
質問 # 46
Under the children's term rider, what occurs when a child reaches the specified age? He or she
- A. must show evidence of insurability to remain covered.
- B. may Increase the term coverage of the rider.
- C. automatically becomes the beneficiary of the life insurance policy.
- D. is eliminated from coverage.
正解：A
質問 # 47
Generally, If a life application Is NOT prepaid, the effective date of coverage begins on the date the
- A. application is postmarked and mailed to the insurer.
- B. application is signed.
- C. company underwriter approves the risk.
- D. policy is delivered and accepted.
正解：D
質問 # 48
In reference to life Insurance in contract law, a person MOST likely will have an insurable interest in insuring
a person's life If
- A. any type of distant family relationship exists with the insured party.
- B. the interest exists at the time of application.
- C. any type of business relationship exists between the insured party and the beneficiary.
- D. the interest exists at the time of death.
正解：B
質問 # 49
An immediate annuity begins making payments after the
- A. policy reaches its maturation date.
- B. first premium has been paid.
- C. policyholder suffers a disability.
- D. policy has been in force for one year.
正解：B
質問 # 50
Under Ohio insurance laws, what must a licensee do prior to operating under an assumed business name?
- A. notify the superintendent
- B. obtain approval from the insurer
- C. notify all prospective insureds
- D. notify the National Association of Insurance Commissioners
正解：A
質問 # 51
If an Insured under a life insurance policy dies with an outstanding loan balance then the death benefit
will
- A. be paid less the amount of the loan interest but not the principal.
- B. be paid less the amount of the loan but not the interest.
- C. be reduced by the amount of the loan and interest owed.
- D. not be paid until the loan is repaid.
正解：B
質問 # 52
Which of the following plans will provide a death benefit to the policy's beneficiary Income tax free?
- A. Annuity.
- B. Qualified Retirement.
- C. Whole Life.
- D. Tax Sheltered Annuity.
正解：C
質問 # 53
At what age can an Individual begin to receive distributions from an IRA without a tax penalty?
- A. 65 1/2 years.
- B. 55 1/2 years.
- C. 59 1/2 years.
- D. 63 1/2 years.
正解：C
質問 # 54
A single premium Immediate annuity Is MOST often used for
- A. vacation expenses.
- B. children's college expenses.
- C. retirement income.
- D. mortgage payments.
正解：C
質問 # 55
Which Is the name of the policy that combines a universal life policy with investment choices?
- A. Interest-sensitive universal life policy.
- B. Flexible universal life policy.
- C. Variable universal life policy.
- D. Straight universal life policy.
正解：C
質問 # 56
If an agent does NOT send a refund to a policyholder within an expectable time frame, the agent may
- A. be barred from seeking an appeal.
- B. receive a deduction in commissions.
- C. have his or her license suspended or revoked.
- D. be charged interest on the refund amount.
正解：C
質問 # 57
Survivorship life insurance policies are useful in estate planning because they
- A. accumulate a sum of money for retirement.
- B. provide funeral insurance and pre-need burial insurance.
- C. can provide money to pay taxes on assets.
- D. redistribute the premium obligation during the early years of the policy.
正解：C
質問 # 58
Competency of an Individual to enter into an Insurance contract is determined based on
- A. legal age.
- B. payment of premium.
- C. ownership.
- D. legal purpose.
正解：A
質問 # 59
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 policy's cash value is viewed as investment growth and therefore subject to taxation for each
calendar year. - B. The growth of the policy's cash value Is not subject to income tax while the policy Is in force.
- C. It is subject to fluctuations of the company's overall performance.
- D. The cash value is not guaranteed.
正解：B
質問 # 60
To avoid tax consequences, a rollover from a Traditional IRA to another IRA MUST be done within
- A. 30 days.
- B. 90 days.
- C. 45 days.
- D. 60 days.
正解：D
質問 # 61
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. depletes its loss reserves.
- B. merges with a foreign insurer.
- C. cannot meet it's capital surplus requirements.
- D. becomes financially insolvent.
正解：D
質問 # 62
The Group Life Underwriting risk selection process helps protect Insurers from
- A. medical underwriting.
- B. risk underwriting.
- C. risk selection.
- D. adverse selection.
正解：D
質問 # 63
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. Pay the insured's premiums if they are unable to do so.
- B. Work with rating bureaus to establish insurer ratings.
- C. Notify the insurance department when claims are paid.
- D. Help the insured file and follow up on claims.
正解：D
質問 # 64
To receive proceeds from a death benefit, a minor
- A. can only be named as a contingent beneficiary.
- B. must be at least 16 years old.
- C. must be related to the insured.
- D. must have an appointed guardian.
正解：D
質問 # 65
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. tends to be an investment vehicle.
- C. does not provide for loans to the policyowner.
- D. generally pays dividends to the policyowner.
正解：B
質問 # 66
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2024年最新のリアルな無料Ohio Department of Insurance OH-Life-Agent-Series-11-44試験問題集問題と解答：https://jp.fast2test.com/OH-Life-Agent-Series-11-44-premium-file.html
OH-Life-Agent-Series-11-44練習テストエンジン購入前に試そう107試験問題：https://drive.google.com/open?id=1GbFutsr3ojAa06bSDJTUodeeTfDSvRxI