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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Federal Tax Considerations | 12% | - Taxation of life insurance proceeds - Tax treatment of annuities - 1035 Exchanges and rollovers - Modified Endowment Contracts (MECs) |
| Topic 2: Types of Life Insurance Policies | 12% | - Term life insurance - Universal and indexed universal life - Group and credit life insurance - Whole life and permanent life |
| Topic 3: Insurance Regulation | 12% | - State and federal insurance laws - Continuing education requirements - Disciplinary actions and penalties - Resident and non-resident rules - Licensing requirements and maintenance |
| Topic 4: Policy Provisions, Options & Riders | 22% | - Dividends, loans and withdrawals - Nonforfeiture and settlement options - Beneficiary designations - Common policy riders - Standard policy provisions |
| Topic 5: Annuities | 12% | - Immediate vs deferred annuities - Fixed and specialty annuities - Payment options and uses - Annuity principles and types |
| Topic 6: Life Insurance Basics | 18% | - Viatical settlements and specialized plans - Underwriting and policy issue - Determining coverage amounts - Personal and business uses of life insurance |
| Topic 7: General Insurance Concepts | 12% | - Agent authority and responsibilities - Risk management and insurable interest - Types of insurers and market conduct - Elements of insurance contracts |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
Question 1
Which of the following is a provision in an interest-sensitive life policy which allows the policyowner to
withdraw the policy's cash value Interest free?
A. Partial Surrender.
B. Waiver of Premium.
C. Spendthrift Clause.
D. Automatic Premium Loan.
Question 2
Survivorship life insurance policies are useful in estate planning because they
A. can provide money to pay taxes on assets.
B. provide funeral insurance and pre-need burial insurance.
C. redistribute the premium obligation during the early years of the policy.
D. accumulate a sum of money for retirement.
Question 3
What is the approach to assessing the consumer's need for life insurance that focuses on an individual's future
stream of income?
A. Affordability approach
B. Return of Investment approach
C. Needs approach
D. Human Life Value approach
Question 4
What type of insurance is the cheapest option to pay off a 30-year mortgage balance?
A. Variable life insurance.
B. Increasing term insurance.
C. Level term insurance.
D. Decreasing term insurance.
Question 5
In Ohio, an agent must be appointed by the Insurer within how many days from the date the agency contract Is
executed, or the first Insurance application Is submitted?
A. 10
B. 20
C. 30
D. 15
Solutions:
| Question 1 Answer: A | Question 2 Answer: A | Question 3 Answer: D | Question 4 Answer: D | Question 5 Answer: D |
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