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
有効問題を試そう！OH-Life-Agent-Series-11-44試験で実際の試験問題と解答
質問 # 18
Interest earned on a Traditional IRA is taxed
- A. prior to contribution.
- B. at distribution.
- C. during the accumulation period.
- D. only if there is a premature distribution.
正解：B
質問 # 19
In which of the following fixed annuity features Is the surrender value tied to Interest rates?
- A. market value adjustments
- B. fixed value rates
- C. variable sub accounts
- D. interest sensitive trigger
正解：A
質問 # 20
Which nonforfeiture option allows the policyowner to purchase less coverage for life?
- A. Cash Surrender Value.
- B. Extended Term.
- C. Settlement Value.
- D. Reduced Paid-Up Insurance.
正解：D
質問 # 21
Upon the divorce of an insured who designated their spouse as the beneficiary, which of the following actions
will result?
- A. the insured must pay 50% of the premiums paid to the spouse named as the beneficiary
- B. the spouse designated as beneficiary will remain an irrevocable beneficiary
- C. the designation of the spouse as a beneficiary is revoked
- D. the policy will automatically be terminated
正解：C
質問 # 22
Which of the following dividend options is taxable?
- A. Return of premium.
- B. 1-year term.
- C. Accumulation at interest.
- D. Paid up additions.
正解：C
質問 # 23
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. Notify the insurance department when claims are paid.
- C. Help the insured file and follow up on claims.
- D. Work with rating bureaus to establish insurer ratings.
正解：C
質問 # 24
At what age can an Individual begin to receive distributions from an IRA without a tax penalty?
- A. 63 1/2 years.
- B. 65 1/2 years.
- C. 55 1/2 years.
- D. 59 1/2 years.
正解：D
質問 # 25
An exposure Is a condition or situation that presents the possibility of
- A. peril.
- B. hazard.
- C. loss.
- D. indemnity.
正解：C
質問 # 26
Upon annuitization, which of the following will have the HIGHEST monthly payout?
- A. Joint life.
- B. Straight life with guaranteed payments.
- C. Joint and survivor life.
- D. Straight life.
正解：D
質問 # 27
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 # 28
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 amount.
- B. Life income.
- C. Interest only.
- D. Fixed period.
正解：D
質問 # 29
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. insured's estate.
- B. policyowner.
- C. Insured's next of kin.
- D. beneficiary's estate.
正解：A
質問 # 30
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 felony criminal conviction.
- C. a suspension from the National Association of Securities Dealers.
- D. the sharing of commissions with another qualified agent.
正解：D
質問 # 31
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 paid and before the policy is issued.
- C. after the premium is due but while the policy remains in force.
- D. after the premium is received and before the policy is issued.
正解：C
質問 # 32
Which of the following policies allows the policyowner to change two policy features?
- A. Term Life.
- B. Credit Life.
- C. Modified Life.
- D. Adjustable Life.
正解：D
質問 # 33
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. automatically becomes the beneficiary of the life insurance policy.
- C. may Increase the term coverage of the rider.
- D. is eliminated from coverage.
正解：A
質問 # 34
It is unlawful for a person to provide an advertisement which
- A. uses a testimonial.
- B. points out coverage advantages of a policy.
- C. uses a policy title to inaccurately describe a coverage.
- D. refers to the insurer's financial rating.
正解：C
質問 # 35
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. lump sum.
- B. fixed amount.
- C. fixed period.
- D. interest only.
正解：D
質問 # 36
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