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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Annuities | 12% | - Payment options and uses - Fixed and specialty annuities - Annuity principles and types - Immediate vs deferred annuities |
| Topic 2: Federal Tax Considerations | 12% | - Tax treatment of annuities - Taxation of life insurance proceeds - Modified Endowment Contracts (MECs) - 1035 Exchanges and rollovers |
| Topic 3: Life Insurance Basics | 18% | - Viatical settlements and specialized plans - Underwriting and policy issue - Determining coverage amounts - Personal and business uses of life insurance |
| Topic 4: Types of Life Insurance Policies | 12% | - Term life insurance - Whole life and permanent life - Group and credit life insurance - Universal and indexed universal life |
| Topic 5: Insurance Regulation | 12% | - Resident and non-resident rules - State and federal insurance laws - Licensing requirements and maintenance - Continuing education requirements - Disciplinary actions and penalties |
| Topic 6: Policy Provisions, Options & Riders | 22% | - Beneficiary designations - Standard policy provisions - Nonforfeiture and settlement options - Common policy riders - Dividends, loans and withdrawals |
| Topic 7: General Insurance Concepts | 12% | - Elements of insurance contracts - Agent authority and responsibilities - Types of insurers and market conduct - Risk management and insurable interest |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
When a policy owner requests a partial surrender from her Universal Life Policy she Is requesting which of the
following?
- A. Surrender of the policy.
- B. A loan from the policy.
- C. Decrease In the coverage amount.
- D. Cash withdrawal.
Correct Answer: D 🗳️
Which of the following retirementplans will allow for a nonworking spouse to set up a separate account and
make contributions based on the working spouse's Income?
- A. SIMPLE IRA
- B. IRA
- C. SEP IRA
- D. 401(k)
Correct Answer: B 🗳️
Which rider would allow additional insurance to be purchased at specified dates or events, without additional
underwriting?
- A. Guaranteed renewability.
- B. Cost of living.
- C. Disability income.
- D. Guaranteed insurability.
Correct Answer: D 🗳️
An Insurer would consider which of the following In determining whether to accept a group life plan?
- A. Dependents
- B. Beneficiary
- C. Average age
- D. Grace period
Correct Answer: C 🗳️
Which of the following is a characteristic of a contract of adhesion?
- A. The insurer's obligations are dependent upon certain acts of the insured individual.
- B. Each party is entitled to rely on others' representations.
- C. The terms must be accepted or rejected in full.
- D. The Insurer agrees to pay a stated sum regardless of loss.
Correct Answer: C 🗳️
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