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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:

Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:

Question 1

The proposed insured's statements on a life insurance application are considered to be

A. representations.
B. warranties.
C. absolute statements.
D. misrepresentations.

Question 2

An Individual buys an annuity that will pay her spouse an income for 20 years. If the spouse dies within that
time, the Income will be paid to their children for the remainder of the period. What kind of annuity did the
Insured buy?

A. Temporary annuity certain
B. Joint life and survivorship annuity
C. Joint life annuity
D. Life annuity with period certain

Question 3

An agent's actions or deeds demonstrate what kind of authority?

A. apparent
B. express
C. inherent
D. delegated

Question 4

The grace period is a period of time

A. after the premium is received and before the policy is issued.
B. after the premium is paid and before the policy is issued.
C. after the premium is due but while the policy remains in force.
D. between the death of the insured individual and the payment of the benefits.

Question 5

Generally, If a life application Is NOT prepaid, the effective date of coverage begins on the date the

A. application is signed.
B. application is postmarked and mailed to the insurer.
C. company underwriter approves the risk.
D. policy is delivered and accepted.

Solutions: