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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Types of Life Insurance Policies | 12% | - Term life insurance - Universal and indexed universal life - Group and credit life insurance - Whole life and permanent life |
| Topic 2: Annuities | 12% | - Annuity principles and types - Fixed and specialty annuities - Immediate vs deferred annuities - Payment options and uses |
| Topic 3: Federal Tax Considerations | 12% | - 1035 Exchanges and rollovers - Taxation of life insurance proceeds - Tax treatment of annuities - Modified Endowment Contracts (MECs) |
| Topic 4: General Insurance Concepts | 12% | - Elements of insurance contracts - Risk management and insurable interest - Types of insurers and market conduct - Agent authority and responsibilities |
| Topic 5: Insurance Regulation | 12% | - Resident and non-resident rules - Continuing education requirements - Licensing requirements and maintenance - State and federal insurance laws - Disciplinary actions and penalties |
| Topic 6: Life Insurance Basics | 18% | - Viatical settlements and specialized plans - Determining coverage amounts - Underwriting and policy issue - Personal and business uses of life insurance |
| Topic 7: Policy Provisions, Options & Riders | 22% | - Nonforfeiture and settlement options - Beneficiary designations - Dividends, loans and withdrawals - Common policy riders - Standard policy provisions |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
Under an executive bonus plan, premiums paid by the employer are
- A. reported as taxable income to the employee.
- B. tax deductible to both the employee and employer.
- C. only tax deductible when the bonus is an insurance plan.
- D. reported as taxable Income to the employer.
Correct Answer: A 🗳️
In reference to life Insurance in contract law, a person MOST likely will have an insurable interest in insuring
a person's life If
- A. the interest exists at the time of application.
- B. the interest exists at the time of death.
- C. any type of distant family relationship exists with the insured party.
- D. any type of business relationship exists between the insured party and the beneficiary.
Correct Answer: A 🗳️
The proposed insured's statements on a life insurance application are considered to be
- A. absolute statements.
- B. misrepresentations.
- C. representations.
- D. warranties.
Correct Answer: C 🗳️
Which of the following statements BEST describes a single premium cash value policy?
- A. It requires only one payment to make the policy paid up.
- B. It provides for only one premium to be paid without evidence of insurability.
- C. It requires the policyowner to pay one premium annually.
- D. It waives one future premium if the owner becomes disabled.
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 designation of the spouse as a beneficiary is revoked
- B. the spouse designated as beneficiary will remain an irrevocable beneficiary
- C. the policy will automatically be terminated
- D. the insured must pay 50% of the premiums paid to the spouse named as the beneficiary
Correct Answer: A 🗳️
Bancroft 
Tabitha 
Lou 
Tobias 
Julie 
Blair 
Kerwin 
George 
Werner 
Harvey 
Rodney 
Ella 
Judy 
Michael 
Steward 
Ken 
