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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 |
| Insurance Regulation | 12% | - Continuing education requirements - State and federal insurance laws - Licensing requirements and maintenance - Disciplinary actions and penalties - Resident and non-resident rules |
| 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 |
| Life Insurance Basics | 18% | - Determining coverage amounts - Viatical settlements and specialized plans - Personal and business uses of life insurance - Underwriting and policy issue |
| Policy Provisions, Options & Riders | 22% | - Standard policy provisions - Nonforfeiture and settlement options - Beneficiary designations - Common policy riders - Dividends, loans and withdrawals |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
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.
Correct Answer: C 🗳️
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.
Correct Answer: A 🗳️
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
Correct Answer: D 🗳️
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
Correct Answer: A 🗳️
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.
Correct Answer: B 🗳️
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