Ohio Department of Insurance Life Agent Series 11-44 OHIO Life Insurance Agent Series 11-44 Online Training
Ohio Department of Insurance Life Agent Series 11-44 Online Training
The questions for Life Agent Series 11-44 were last updated at Jul 18,2025.
- Exam Code: Life Agent Series 11-44
- Exam Name: OHIO Life Insurance Agent Series 11-44
- Certification Provider: Ohio Department of Insurance
- Latest update: Jul 18,2025
Which of the following statements is TRUE regarding a waiver of premium rider?
- A . There will be no change in the policy other than the insured no longer has to pay the premiums on the policy.
- B . The policy’s cash value will continue to grow, but at a slower rate because the insured is no longer paying premiums.
- C . The death benefit will be reduced by the amount of the unpaid premiums.
- D . The insured will automatically become eligible for accelerated death benefits.
When a policy owner requests a partial surrender from her Universal Life Policy she Is requesting which of the following?
- A . Cash withdrawal.
- B . A loan from the policy.
- C . Surrender of the policy.
- D . Decrease In the coverage amount.
The accumulated cash value of a whole life insurance policy becomes the
- A . policy loan value upon which the insured may borrow.
- B . amount used to purchase paid up additions to the insured’s policy.
- C . funds used to offset policy administration and conversion expenses.
- D . face amount payable upon the insured’s death.
An insured has a 5-year Renewable Term Life Insurance Policy. Upon exercising the renewable privilege, the Insured MUST
- A . provide evidence of insurability.
- B . renew for at least 10 years.
- C . pay an annual premium that may be higher.
- D . convert to a whole life policy.
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 . must be shared equally by Rob and Joe’s wife.
- C . will accumulate with interest until another brother dies and then be awarded to the surviving brother.
- D . must be awarded to Joe’s estate.
Which of the following individuals has the right to name a beneficiary?
- A . producer
- B . owner
- C . Insured
- D . assignee
Which of the following dividend options is taxable?
- A . 1-year term.
- B . Paid up additions.
- C . Return of premium.
- D . Accumulation at interest.
Which rider would allow additional insurance to be purchased at specified dates or events, without additional underwriting?
- A . Guaranteed renewability.
- B . Guaranteed insurability.
- C . Cost of living.
- D . Disability income.
Deliberate withholding of material facts that would affect the validity of an Insurance policy or a claim under the policy Is known as
- A . slanting.
- B . concealment.
- C . misrepresentation.
- D . aleatory contract.
The premium mode defines the
- A . premium limit.
- B . premium amount.
- C . frequency of the premium payment.
- D . method of premium payment.
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