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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Policy Provisions, Options & Riders | 22% | - Beneficiary designations - Common policy riders - Dividends, loans and withdrawals - Standard policy provisions - Nonforfeiture and settlement options |
| Topic 2: Life Insurance Basics | 18% | - Personal and business uses of life insurance - Determining coverage amounts - Viatical settlements and specialized plans - Underwriting and policy issue |
| Topic 3: Annuities | 12% | - Annuity principles and types - Fixed and specialty annuities - Immediate vs deferred annuities - Payment options and uses |
| Topic 4: Federal Tax Considerations | 12% | - Tax treatment of annuities - Modified Endowment Contracts (MECs) - Taxation of life insurance proceeds - 1035 Exchanges and rollovers |
| Topic 5: Types of Life Insurance Policies | 12% | - Group and credit life insurance - Universal and indexed universal life - Term life insurance - Whole life and permanent life |
| Topic 6: Insurance Regulation | 12% | - Disciplinary actions and penalties - Resident and non-resident rules - State and federal insurance laws - Licensing requirements and maintenance - Continuing education requirements |
| Topic 7: General Insurance Concepts | 12% | - Elements of insurance contracts - Agent authority and responsibilities - Risk management and insurable interest - Types of insurers and market conduct |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
All of the following statements regarding a group annuity are correct, EXCEPT
- A. considered a defined-benefit plan.
- B. participation is limited to eligible employees.
- C. each employee signs and receives an individual contract.
- D. purchased as part of a structured corporate pension plan.
Correct Answer: B 🗳️
A policyowner may choose to have his/her life insurance policy dividends do all of the following EXCEPT
- A. accumulate without interest.
- B. purchase additional insurance protection.
- C. reduce the policy premium.
- D. be paid to the policyowner in cash.
Correct Answer: A 🗳️
Without written consent, a policyowner CANNOT change the beneficiary If he has named
- A. a permanent beneficiary.
- B. an irrevocable beneficiary.
- C. a revocable beneficiary.
- D. a contingent beneficiary.
Correct Answer: B 🗳️
An agent's underwriting duties Include which of the following?
- A. Completing all applications and collecting initial premiums.
- B. Issuing the policy.
- C. Setting premium amounts.
- D. Declining or accepting an application.
Correct Answer: A 🗳️
The only beneficiary named in a life insurance policy died before the Insured. The policyowner did not name a
new beneficiary. When a claim is filed, the death benefit would be paid to the
- A. policyowner.
- B. beneficiary's estate.
- C. Insured's next of kin.
- D. insured's estate.
Correct Answer: D 🗳️
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