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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Types of Life Insurance Policies | 12% | - Group and credit life insurance - Whole life and permanent life - Term life insurance - Universal and indexed universal life |
| Topic 2: Annuities | 12% | - Immediate vs deferred annuities - Payment options and uses - Fixed and specialty annuities - Annuity principles and types |
| Topic 3: Policy Provisions, Options & Riders | 22% | - Beneficiary designations - Standard policy provisions - Common policy riders - Nonforfeiture and settlement options - Dividends, loans and withdrawals |
| Topic 4: Life Insurance Basics | 18% | - Viatical settlements and specialized plans - Underwriting and policy issue - Determining coverage amounts - Personal and business uses of life insurance |
| Topic 5: Federal Tax Considerations | 12% | - Modified Endowment Contracts (MECs) - 1035 Exchanges and rollovers - Tax treatment of annuities - Taxation of life insurance proceeds |
| Topic 6: Insurance Regulation | 12% | - Disciplinary actions and penalties - Continuing education requirements - Licensing requirements and maintenance - Resident and non-resident rules - State and federal insurance laws |
| Topic 7: General Insurance Concepts | 12% | - Elements of insurance contracts - Risk management and insurable interest - Agent authority and responsibilities - Types of insurers and market conduct |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
1. An Insurer would consider which of the following In determining whether to accept a group life plan?
A) Beneficiary
B) Grace period
C) Average age
D) Dependents
2. It is unlawful for a person to provide an advertisement which
A) refers to the insurer's financial rating.
B) uses a testimonial.
C) uses a policy title to inaccurately describe a coverage.
D) points out coverage advantages of a policy.
3. An insured wants to purchase a policy with three key elements: flexible premium, death benefit, and the choice
of mutual funds where the cash value will be Invested In a separate account. The Insured should purchase
A) variable universal life.
B) universal life.
C) adjustable life.
D) graded premium whole life.
4. The purpose of insurance Is to
A) transfer risk.
B) avoid risk.
C) increase risk.
D) reduce risk.
5. Upon annuitization, which of the following will have the HIGHEST monthly payout?
A) Straight life with guaranteed payments.
B) Joint life.
C) Joint and survivor life.
D) Straight life.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: C | Question # 3 Answer: A | Question # 4 Answer: A | Question # 5 Answer: D |
