OH-Life-Agent-Series-11-44別格な問題集をダウンロードして無料で最新の（OH-Life-Agent-Series-11-44テスト問題集をゲット2024年03月21日)
OH-Life-Agent-Series-11-44問題集は合格保証します合格できるOH-Life-Agent-Series-11-44試験問題2024年更新
質問 # 29
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 # 30
Upon annuitization, which of the following will have the HIGHEST monthly payout?
- A. Straight life with guaranteed payments.
- B. Straight life.
- C. Joint and survivor life.
- D. Joint life.
正解：B
質問 # 31
The accumulated cash value of a whole life insurance policy becomes the
- A. policy loan value upon which the insured may borrow.
- B. funds used to offset policy administration and conversion expenses.
- C. face amount payable upon the insured's death.
- D. amount used to purchase paid up additions to the insured's policy.
正解：A
質問 # 32
Which of the following policies allows the policyowner to change two policy features?
- A. Term Life.
- B. Modified Life.
- C. Adjustable Life.
- D. Credit Life.
正解：C
質問 # 33
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 # 34
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 but not the interest.
- B. be paid less the amount of the loan interest but not the principal.
- C. not be paid until the loan is repaid.
- D. be reduced by the amount of the loan and interest owed.
正解：A
質問 # 35
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 # 36
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. be charged interest on the refund amount.
- C. receive a deduction in commissions.
- D. have his or her license suspended or revoked.
正解：D
質問 # 37
Deliberate withholding of material facts that would affect the validity of an Insurance policy or a claim under
the policy Is known as
- A. aleatory contract.
- B. slanting.
- C. misrepresentation.
- D. concealment.
正解：D
質問 # 38
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 # 39
Which of the following plans will provide a death benefit to the policy's beneficiary Income tax free?
- A. Whole Life.
- B. Qualified Retirement.
- C. Annuity.
- D. Tax Sheltered Annuity.
正解：A
質問 # 40
Generally, If a life application Is NOT prepaid, the effective date of coverage begins on the date the
- A. application is signed.
- B. company underwriter approves the risk.
- C. policy is delivered and accepted.
- D. application is postmarked and mailed to the insurer.
正解：C
質問 # 41
After the hearing, if the insurance superintendent has determined a licensee has committed a violation of Ohio
Insurance Laws, what can the insurance superintendent do?
- A. impose an administrative penalty
- B. sentence the licensee up to 30 days in jail
- C. suspend the licensee s premium accounts
- D. immediately terminate insurer appointments
正解：A
質問 # 42
Contributions made to a Roth IRA are
- A. only tax deductible at age 50 or older.
- B. partially tax deductible.
- C. not tax deductible.
- D. tax deductible at retirement.
正解：C
質問 # 43
The proposed insured's statements on a life insurance application are considered to be
- A. representations.
- B. absolute statements.
- C. misrepresentations.
- D. warranties.
正解：A
質問 # 44
Rob, Joe, and Mike are brothers who have a $60,000 "first-to-die" Joint life policy covering all three of their
lives. If Joe dies first, the policy proceeds
- A. will not provide further insurance protection.
- B. will accumulate with interest until another brother dies and then be awarded to the surviving brother.
- C. must be awarded to Joe's estate.
- D. must be shared equally by Rob and Joe's wife.
正解：A
質問 # 45
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 # 46
Falsifying the terms, benefits, advantages, or conditions of an insurance policy Is an example of which of the
following?
- A. Forgery
- B. Coercion
- C. Concealment
- D. Misrepresentation
正解：D
質問 # 47
An agent qualified to sell variable products in Ohio must report each of the following to the superintendent of
Insurance EXCEPT
- A. the revocation of an insurance license held in another state.
- B. a suspension from the National Association of Securities Dealers.
- C. the sharing of commissions with another qualified agent.
- D. a felony criminal conviction.
正解：C
質問 # 48
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