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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Insurance Basics | 18% | - Personal and business uses of life insurance - Viatical settlements and specialized plans - Determining coverage amounts - Underwriting and policy issue |
| Topic 2: Annuities | 12% | - Immediate vs deferred annuities - Fixed and specialty annuities - Payment options and uses - Annuity principles and types |
| Topic 3: General Insurance Concepts | 12% | - Risk management and insurable interest - Elements of insurance contracts - Types of insurers and market conduct - Agent authority and responsibilities |
| Topic 4: Insurance Regulation | 12% | - State and federal insurance laws - Continuing education requirements - Licensing requirements and maintenance - Resident and non-resident rules - Disciplinary actions and penalties |
| Topic 5: Federal Tax Considerations | 12% | - Taxation of life insurance proceeds - 1035 Exchanges and rollovers - Modified Endowment Contracts (MECs) - Tax treatment of annuities |
| Topic 6: Types of Life Insurance Policies | 12% | - Term life insurance - Group and credit life insurance - Universal and indexed universal life - Whole life and permanent life |
| Topic 7: Policy Provisions, Options & Riders | 22% | - Nonforfeiture and settlement options - Dividends, loans and withdrawals - Beneficiary designations - Standard policy provisions - Common policy riders |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
All of the following statements regarding a group annuity are correct, EXCEPT
- A. purchased as part of a structured corporate pension plan.
- B. participation is limited to eligible employees.
- C. considered a defined-benefit plan.
- D. each employee signs and receives an individual contract.
Correct Answer: B 🗳️
As a form of level premium permanent Insurance, ordinary life Insurance accumulates a reserve that
eventually
- A. ceases to earn interest or grow in a positive earnings direction.
- B. equals the face amount of the policy.
- C. requires mandatory cash value distributions.
- D. results In a dividend payment to the policyowner.
Correct Answer: B 🗳️
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. slanting.
- C. aleatory contract.
- D. concealment.
Correct Answer: D 🗳️
Under Ohio insurance laws, what must a licensee do prior to operating under an assumed business name?
- A. obtain approval from the insurer
- B. notify the National Association of Insurance Commissioners
- C. notify the superintendent
- D. notify all prospective insureds
Correct Answer: C 🗳️
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. Dodd Frank Act
- B. Unauthorized Insurers Service of Process Act
- C. Fair Credit Reporting Act
- D. McCarran-Ferguson Act
Correct Answer: C 🗳️
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