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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Annuities | 12% | - Immediate vs deferred annuities - Fixed and specialty annuities - Annuity principles and types - Payment options and uses |
| Topic 2: Federal Tax Considerations | 12% | - 1035 Exchanges and rollovers - Modified Endowment Contracts (MECs) - Taxation of life insurance proceeds - Tax treatment of annuities |
| Topic 3: General Insurance Concepts | 12% | - Types of insurers and market conduct - Elements of insurance contracts - Agent authority and responsibilities - Risk management and insurable interest |
| Topic 4: Types of Life Insurance Policies | 12% | - Term life insurance - Group and credit life insurance - Whole life and permanent life - Universal and indexed universal life |
| Topic 5: Life Insurance Basics | 18% | - Underwriting and policy issue - Personal and business uses of life insurance - Determining coverage amounts - Viatical settlements and specialized plans |
| Topic 6: Policy Provisions, Options & Riders | 22% | - Common policy riders - Nonforfeiture and settlement options - Dividends, loans and withdrawals - Standard policy provisions - Beneficiary designations |
| Topic 7: Insurance Regulation | 12% | - Continuing education requirements - Resident and non-resident rules - Disciplinary actions and penalties - State and federal insurance laws - Licensing requirements and maintenance |
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. transfer risk.
C. avoid risk.
D. reduce risk.
Question 2
The structure of a credit life insurance policy does NOT allow for
A. coverage amount to match the loan amount.
B. Individual policies.
C. conversion privileges.
D. group policies.
Question 3
All the following policies qualify for a 1035 Exchange EXCEPT
A. an annuity to a whole life policy.
B. an annuity to another annuity.
C. a whole life policy to an annuity.
D. a whole life policy to another whole life policy.
Question 4
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. 20
B. 30
C. 15
D. 10
Question 5
An insured has chosen to receive the payout from her husband's life insurance policy so that she will receive
an Income for the next 10 years. At the end of that time, the entire proceeds from the policy will have been
paid out. The insured has selected which option?
A. Interest only.
B. Life income.
C. Fixed period.
D. Fixed amount.
Solutions:
| Question 1 Answer: B | Question 2 Answer: C | Question 3 Answer: A | Question 4 Answer: C | Question 5 Answer: C |
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