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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:

1. An immediate annuity begins making payments after the

A) first premium has been paid.
B) policyholder suffers a disability.
C) policy has been in force for one year.
D) policy reaches its maturation date.

2. Under an executive bonus plan, premiums paid by the employer are

A) reported as taxable income to the employee.
B) only tax deductible when the bonus is an insurance plan.
C) tax deductible to both the employee and employer.
D) reported as taxable Income to the employer.

3. Deliberate withholding of material facts that would affect the validity of an Insurance policy or a claim under
the policy Is known as

A) slanting.
B) misrepresentation.
C) concealment.
D) aleatory contract.

4. Reinsurers are a specialized branch of the insurance industry because they

A) provide insurance to otherwise uninsurable individuals.
B) provide alternative means.
C) keep premiums low.
D) Insure insurers.

5. What law do all Insurers and their agents need to comply with In regards to Information being obtained from a
third party concerning the applicant?

A) Fair Credit Reporting Act
B) McCarran-Ferguson Act
C) Dodd Frank Act
D) Unauthorized Insurers Service of Process Act

Solutions: