[2024年03月] 無料OH-Life-Agent-Series-11-44試験問題をゲット！OH-Life-Agent-Series-11-44実際の無料試験問題
検証済みのOH-Life-Agent-Series-11-44問題集と107格別な問題
質問 # 28
Under what circumstances must an agent provide his or her business records to the superintendent of
Insurance?
- A. by authorization from the National Association of Insurance Commissioners (NAIC)
- B. upon request of the superintendent
- C. upon request of an insured
- D. under no circumstances due to privacy consideration
正解：B
質問 # 29
An agent qualified to sell variable products in Ohio must report each of the following to the superintendent of
Insurance EXCEPT
- A. the revocation of an insurance license held in another state.
- B. a suspension from the National Association of Securities Dealers.
- C. a felony criminal conviction.
- D. the sharing of commissions with another qualified agent.
正解：D
質問 # 30
An accelerated death benefit
- A. pays a portion of the face amount when a policyowner Is determined to be terminally ill.
- B. pays only in the event of an accident resulting in death.
- C. allows the policyowner to sell their policy to a third party.
- D. pays an additional benefit if the policyholder dies as a result of an accident.
正解：D
質問 # 31
Generally, If a life application Is NOT prepaid, the effective date of coverage begins on the date the
- A. company underwriter approves the risk.
- B. application is signed.
- C. policy is delivered and accepted.
- D. application is postmarked and mailed to the insurer.
正解：C
質問 # 32
Which of the following is a characteristic of a contract of adhesion?
- A. The insurer's obligations are dependent upon certain acts of the insured individual.
- B. The terms must be accepted or rejected in full.
- C. Each party is entitled to rely on others' representations.
- D. The Insurer agrees to pay a stated sum regardless of loss.
正解：B
質問 # 33
Which of the following retirementplans will allow for a nonworking spouse to set up a separate account and
make contributions based on the working spouse's Income?
- A. SEP IRA
- B. IRA
- C. 401(k)
- D. SIMPLE IRA
正解：B
質問 # 34
An insured owns a whole life insurance policy on himself. He would also like coverage for his minor son
and/or daughter. One way the Insured can accomplish this goal Is to purchase a
- A. family income rider.
- B. guaranteed insurability rider.
- C. child term rider.
- D. famitp maintenance rider.
正解：D
質問 # 35
The structure of a credit life insurance policy does NOT allow for
- A. coverage amount to match the loan amount.
- B. conversion privileges.
- C. group policies.
- D. Individual policies.
正解：B
質問 # 36
It is unlawful for a person to provide an advertisement which
- A. refers to the insurer's financial rating.
- B. uses a policy title to inaccurately describe a coverage.
- C. points out coverage advantages of a policy.
- D. uses a testimonial.
正解：B
質問 # 37
An Insured owns a whole life policy that has accumulated cash value. Which of the following statements Is
true about the policy's cash value?
- A. The policy's cash value is viewed as investment growth and therefore subject to taxation for each
calendar year. - B. The growth of the policy's cash value Is not subject to income tax while the policy Is in force.
- C. It is subject to fluctuations of the company's overall performance.
- D. The cash value is not guaranteed.
正解：B
質問 # 38
A policyowner may not pay premiums with which frequency?
- A. Bi-weekly
- B. Quarterly
- C. Monthly
- D. Semi-annually
正解：A
質問 # 39
After the hearing, if the insurance superintendent has determined a licensee has committed a violation of Ohio
Insurance Laws, what can the insurance superintendent do?
- A. sentence the licensee up to 30 days in jail
- B. impose an administrative penalty
- C. suspend the licensee s premium accounts
- D. immediately terminate insurer appointments
正解：B
質問 # 40
Who can surrender an annuity during the accumulation period?
- A. The beneficiary.
- B. The company.
- C. The policyowner.
- D. The annuitant.
正解：C
質問 # 41
The period after an annuity Is purchased but before distributions begin Is referred to as the
- A. endowment phase.
- B. annuity phase.
- C. build-up phase.
- D. accumulation phase.
正解：D
質問 # 42
To receive proceeds from a death benefit, a minor
- A. must be at least 16 years old.
- B. must be related to the insured.
- C. can only be named as a contingent beneficiary.
- D. must have an appointed guardian.
正解：D
質問 # 43
Bettie has a $200,000 whole life policy with a $50,000 cash value. She wishes to borrow $30,000 for the
purchase of a new van. Which of the following Is TRUE In this situation?
- A. Loans can only be taken for hardship situations.
- B. This type of loan is interest free.
- C. There is no requirement that she pay back the loan.
- D. Whole life policies do not have any loan provisions.
正解：C
質問 # 44
The proposed insured's statements on a life insurance application are considered to be
- A. warranties.
- B. absolute statements.
- C. representations.
- D. misrepresentations.
正解：C
質問 # 45
Deliberate withholding of material facts that would affect the validity of an Insurance policy or a claim under
the policy Is known as
- A. aleatory contract.
- B. slanting.
- C. misrepresentation.
- D. concealment.
正解：D
質問 # 46
Which of the following is a provision in an interest-sensitive life policy which allows the policyowner to
withdraw the policy's cash value Interest free?
- A. Waiver of Premium.
- B. Automatic Premium Loan.
- C. Partial Surrender.
- D. Spendthrift Clause.
正解：C
質問 # 47
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