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 19,2025.
- 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 19,2025
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 . suspend the licensee s premium accounts
- C . immediately terminate insurer appointments
- D . sentence the licensee up to 30 days in jail
If an Insured under a life insurance policy dies with an outstanding loan balance then the death benefit will
- A . be reduced by the amount of the loan and interest owed.
- B . not be paid until the loan is repaid.
- C . be paid less the amount of the loan but not the interest.
- D . be paid less the amount of the loan interest but not the principal.
At what age can an Individual begin to receive distributions from an IRA without a tax penalty?
- A . 55 1/2 years.
- B . 59 1/2 years.
- C . 63 1/2 years.
- D . 65 1/2 years.
When a beneficiary Inherits a traditional IRA, which of the following Is TRUE about taxation when the money is withdrawn? The beneficiary pays
- A . no tax.
- B . an estate tax.
- C . capital gains tax.
- D . income tax.
Which of the following statements BEST describes a single premium cash value policy?
- A . It requires only one payment to make the policy paid up.
- B . It provides for only one premium to be paid without evidence of insurability.
- C . It waives one future premium if the owner becomes disabled.
- D . It requires the policyowner to pay one premium annually.
The Group Life Underwriting risk selection process helps protect Insurers from
- A . risk selection.
- B . medical underwriting.
- C . adverse selection.
- D . risk underwriting.
Which of the following represents a syndicate of underwriters that specialize in Insuring specific types of risk?
- A . reciprocal insurer
- B . Lloyd’s association
- C . risk retention group
- D . fraternal benefit society
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 . the interest exists at the time of death.
- B . the interest exists at the time of application.
- C . any type of distant family relationship exists with the insured party.
- D . any type of business relationship exists between the insured party and the beneficiary.
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 . interest only.
- B . lump sum.
- C . fixed period.
- D . fixed amount.
All the following riders can Increase the death benefit amount EXCEPT
- A . Cost of Living.
- B . Waiver of Premium.
- C . Accidental Death Rider.
- D . Guaranteed Insurability.
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