Ohio Department of Insurance OH-Life-Agent-Series-11-44 : OHIO Life Insurance Agent Series 11-44

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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:

Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:

Question #1
The purpose of insurance Is to

A. increase risk.
B. avoid risk.
C. reduce risk.
D. transfer risk.

Question #2
An accelerated death benefit

A. pays an additional benefit if the policyholder dies as a result of an accident.
B. pays only in the event of an accident resulting in death.
C. allows the policyowner to sell their policy to a third party.
D. pays a portion of the face amount when a policyowner Is determined to be terminally ill.

Question #3
Making a statement that is false and maliciously critical of the financial condition of an insurer is known as

A. intimidation.
B. misrepresentation.
C. defamation.
D. coercion.

Question #4
The grace period is a period of time

A. after the premium is due but while the policy remains in force.
B. after the premium is paid and before the policy is issued.
C. after the premium is received and before the policy is issued.
D. between the death of the insured individual and the payment of the benefits.

Question #5
Risks are generally NOT Insurable if

A. deductibles would be required.
B. the policyholder has a policy from another insurer.
C. the loss is expected.
D. there are many individuals who may also experience a similar loss.

Solutions: