[2024年04月]更新のOH-Life-Agent-Series-11-44ブレーン問題集でOH-Life-Agent-Series-11-44問題で最高得点を目指すため今すぐ試そう
OH-Life-Agent-Series-11-44試験問題集でベスト問題集を無料で試そうOH-Life-Agent-Series-11-44試験問題
質問 # 52
All the following riders can Increase the death benefit amount EXCEPT
- A. Cost of Living.
- B. Guaranteed Insurability.
- C. Accidental Death Rider.
- D. Waiver of Premium.
正解：C
質問 # 53
Risks are generally NOT Insurable if
- A. the policyholder has a policy from another insurer.
- B. the loss is expected.
- C. deductibles would be required.
- D. there are many individuals who may also experience a similar loss.
正解：B
質問 # 54
An agent's underwriting duties Include which of the following?
- A. Issuing the policy.
- B. Declining or accepting an application.
- C. Completing all applications and collecting initial premiums.
- D. Setting premium amounts.
正解：C
質問 # 55
Which of the following is a characteristic of a non-admitted Insurer?
- A. A non-admitted insurer is not afforded protection by the guaranty fund.
- B. A non-admitted insurer is required to submit rates for approval.
- C. A non-admitted insurer is also known as a domestic insurer.
- D. A non-admitted insurer is required to submit forms to the Department of Insurance.
正解：A
質問 # 56
Which of the following represents a syndicate of underwriters that specialize in Insuring specific types of risk?
- A. risk retention group
- B. reciprocal insurer
- C. Lloyd's association
- D. fraternal benefit society
正解：A
質問 # 57
All the following policies qualify for a 1035 Exchange EXCEPT
- A. a whole life policy to another whole life policy.
- B. a whole life policy to an annuity.
- C. an annuity to a whole life policy.
- D. an annuity to another annuity.
正解：C
質問 # 58
Interest earned on a Traditional IRA is taxed
- A. during the accumulation period.
- B. only if there is a premature distribution.
- C. prior to contribution.
- D. at distribution.
正解：D
質問 # 59
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. famitp maintenance rider.
- B. child term rider.
- C. family income rider.
- D. guaranteed insurability rider.
正解：A
質問 # 60
Contributions made to a Roth IRA are
- A. only tax deductible at age 50 or older.
- B. not tax deductible.
- C. tax deductible at retirement.
- D. partially tax deductible.
正解：B
質問 # 61
Which activity does NOT require an Insurance agent's license?
- A. underwriting
- B. negotiating
- C. selling
- D. soliciting
正解：A
質問 # 62
An exposure Is a condition or situation that presents the possibility of
- A. hazard.
- B. peril.
- C. loss.
- D. indemnity.
正解：C
質問 # 63
An annuitant dies during the accumulation period. What happens to the cash value in the annuity?
- A. The cash value is paid to the beneficiary.
- B. The cash value is paid into the estate.
- C. The company keeps the cash value.
- D. The cash value is paid to the IRS.
正解：B
質問 # 64
A policyowner may not pay premiums with which frequency?
- A. Bi-weekly
- B. Semi-annually
- C. Monthly
- D. Quarterly
正解：A
質問 # 65
The settlement option that allows proceeds to remain with the Insurer and the earnings to be paid to the
beneficiary on a monthly basis is called
- A. fixed period.
- B. fixed amount.
- C. interest only.
- D. lump sum.
正解：C
質問 # 66
After a request has been received for verification of coverage from a viatical settlement provider, an insurance
company authorized to do business shall respond within:
- A. 45 calendar days
- B. 90 calendar days
- C. 30 calendar days
- D. 60 calendar days
正解：A
質問 # 67
An accelerated death benefit
- A. pays only in the event of an accident resulting in death.
- B. allows the policyowner to sell their policy to a third party.
- C. pays an additional benefit if the policyholder dies as a result of an accident.
- D. pays a portion of the face amount when a policyowner Is determined to be terminally ill.
正解：C
質問 # 68
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. surrender charges will reduce the contract payout amount.
- C. surrender charges diminish over a stated number of years and will eventually disappear.
- D. the owner has the right to surrender the contract during the accumulation period.
正解：A
質問 # 69
Which of the following describes the process of selection, classification, and rating of risks?
- A. underwriting
- B. adverse selection
- C. claims experience
- D. cost containment
正解：A
質問 # 70
Which of the following statements is TRUE regarding a waiver of premium rider?
- A. The policy's cash value will continue to grow, but at a slower rate because the insured is no longer
paying premiums. - B. There will be no change in the policy other than the insured no longer has to pay the premiums on the
policy. - C. The insured will automatically become eligible for accelerated death benefits.
- D. The death benefit will be reduced by the amount of the unpaid premiums.
正解：B
質問 # 71
In Ohio, an agent must be appointed by the Insurer within how many days from the date the agency contract Is
executed, or the first Insurance application Is submitted?
- A. 0
- B. 1
- C. 2
- D. 3
正解：D
質問 # 72
Which of the following is a life insurance contract written on the life of an individual?
- A. Joint Life Contract.
- B. Survivorship Policy.
- C. Insurance.
- D. Single-Life Insurance.
正解：B
質問 # 73
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