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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| General Insurance Concepts | 12% | - Agent authority and responsibilities - Elements of insurance contracts - Risk management and insurable interest - Types of insurers and market conduct |
| Federal Tax Considerations | 12% | - Tax treatment of annuities - 1035 Exchanges and rollovers - Modified Endowment Contracts (MECs) - Taxation of life insurance proceeds |
| Types of Life Insurance Policies | 12% | - Universal and indexed universal life - Term life insurance - Group and credit life insurance - Whole life and permanent life |
| Annuities | 12% | - Payment options and uses - Annuity principles and types - Immediate vs deferred annuities - Fixed and specialty annuities |
| Insurance Regulation | 12% | - Continuing education requirements - State and federal insurance laws - Licensing requirements and maintenance - Disciplinary actions and penalties - Resident and non-resident rules |
| Policy Provisions, Options & Riders | 22% | - Standard policy provisions - Nonforfeiture and settlement options - Beneficiary designations - Common policy riders - Dividends, loans and withdrawals |
| Life Insurance Basics | 18% | - Determining coverage amounts - Viatical settlements and specialized plans - Personal and business uses of life insurance - Underwriting and policy issue |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
1. To avoid tax consequences, a rollover from a Traditional IRA to another IRA MUST be done within
A) 45 days.
B) 90 days.
C) 60 days.
D) 30 days.
2. All of the following statements apply to the surrender of an annuity contract EXCEPT
A) the right to surrender Is available on immediate and deferred annuities.
B) the owner has the right to surrender the contract during the accumulation period.
C) surrender charges diminish over a stated number of years and will eventually disappear.
D) surrender charges will reduce the contract payout amount.
3. Upon the divorce of an insured who designated their spouse as the beneficiary, which of the following actions
will result?
A) the insured must pay 50% of the premiums paid to the spouse named as the beneficiary
B) the spouse designated as beneficiary will remain an irrevocable beneficiary
C) the policy will automatically be terminated
D) the designation of the spouse as a beneficiary is revoked
4. 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) Unauthorized Insurers Service of Process Act
D) Dodd Frank Act
5. Deliberate withholding of material facts that would affect the validity of an Insurance policy or a claim under
the policy Is known as
A) misrepresentation.
B) concealment.
C) slanting.
D) aleatory contract.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: A | Question # 3 Answer: D | Question # 4 Answer: A | Question # 5 Answer: B |
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