Free Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Questions

Become Ohio Department of Insurance Certified with updated OH-Life-Agent-Series-11-44 exam questions and correct answers

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Total 106 Questions | Updated On: Jun 16, 2026

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Question 1

The type of insurance used to indemnify a firm for the loss of earnings brought about by the death or disability of an officer or other significant employee Is

A : business continuation life.

B : business overhead.

C : key person.

D : employee welfare.

Answer: C

Question 2

Under the children's term rider, what occurs when a child reaches the specified age? He or she

A : automatically becomes the beneficiary of the life insurance policy.

B : must show evidence of insurability to remain covered.

C : may Increase the term coverage of the rider.

D : is eliminated from coverage.

Answer: B

Question 3

Which of the following policies allows the policyowner to change two policy features?

A : Credit Life.

B : Modified Life.

C : Adjustable Life.

D : Term Life.

Answer: C

Question 4

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.

Answer: A

Question 5

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 : Help the insured file and follow up on claims.

B : Notify the insurance department when claims are paid.

C : Work with rating bureaus to establish insurer ratings.

D : Pay the insured-s premiums if they are unable to do so.

Answer: A

Page: 1 / 22

Total 106 Questions | Updated On: Jun 16, 2026

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