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: Oct 28, 2025

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Question 1

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 2

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.

Answer: C

Question 3

Loans may generally be obtained against the cash value of a personal life Insurance policy and policy loan proceeds

A : accelerate the benefits under the policy.

B : are not treated as taxable income.

C : are subject to Federal estate tax.

D : generate nontaxable interest income.

Answer: B

Question 4

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

Question 5

An Insurer would consider which of the following In determining whether to accept a group life plan?

A : Grace period

B : Beneficiary

C : Average age

D : Dependents

Answer: C

Page: 1 / 22

Total 106 Questions | Updated On: Oct 28, 2025

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