[2024年12月03日] 無料ダウンロードOhio Department of Insurance OH-Life-Agent-Series-11-44リアル試験問題
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質問 # 36
A policyowner may choose to have his/her life insurance policy dividends do all of the following EXCEPT
- A. accumulate without interest.
- B. purchase additional insurance protection.
- C. reduce the policy premium.
- D. be paid to the policyowner in cash.
正解：A
質問 # 37
An accelerated death benefit
- A. pays a portion of the face amount when a policyowner Is determined to be terminally ill.
- B. pays an additional benefit if the policyholder dies as a result of an accident.
- C. pays only in the event of an accident resulting in death.
- D. allows the policyowner to sell their policy to a third party.
正解：B
質問 # 38
An agent's actions or deeds demonstrate what kind of authority?
- A. apparent
- B. inherent
- C. express
- D. delegated
正解：A
質問 # 39
Which of the following is a characteristic of a non-admitted Insurer?
- A. A non-admitted insurer is also known as a domestic insurer.
- B. A non-admitted insurer is not afforded protection by the guaranty fund.
- C. A non-admitted insurer is required to submit rates for approval.
- D. A non-admitted insurer is required to submit forms to the Department of Insurance.
正解：B
質問 # 40
It is unlawful for a person to provide an advertisement which
- A. uses a policy title to inaccurately describe a coverage.
- B. uses a testimonial.
- C. points out coverage advantages of a policy.
- D. refers to the insurer's financial rating.
正解：A
質問 # 41
The Group Life Underwriting risk selection process helps protect Insurers from
- A. risk underwriting.
- B. adverse selection.
- C. medical underwriting.
- D. risk selection.
正解：B
質問 # 42
The most common use of a group life insurance policy is to insure
- A. company employees.
- B. association members.
- C. members of a family.
- D. retirees.
正解：A
質問 # 43
An immediate annuity begins making payments after the
- A. policy has been in force for one year.
- B. policy reaches its maturation date.
- C. first premium has been paid.
- D. policyholder suffers a disability.
正解：C
質問 # 44
At what age can an Individual begin to receive distributions from an IRA without a tax penalty?
- A. 63 1/2 years.
- B. 55 1/2 years.
- C. 65 1/2 years.
- D. 59 1/2 years.
正解：D
質問 # 45
In which of the following fixed annuity features Is the surrender value tied to Interest rates?
- A. interest sensitive trigger
- B. fixed value rates
- C. market value adjustments
- D. variable sub accounts
正解：C
質問 # 46
The grace period is a period of time
- A. between the death of the insured individual and the payment of the benefits.
- B. after the premium is received and before the policy is issued.
- C. after the premium is paid and before the policy is issued.
- D. after the premium is due but while the policy remains in force.
正解：D
質問 # 47
What does a limited payment whole life policy provide?
- A. Protection to age 65.
- B. Pure protection.
- C. Life time protection.
- D. A lower premium.
正解：D
質問 # 48
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：C
質問 # 49
Insurers do business in Ohio only after a thorough financial review. Most insurance policies written in Ohio
are protected by the Guaranty Association established to protect policy owners In the event an admitted
company
- A. merges with a foreign insurer.
- B. cannot meet it's capital surplus requirements.
- C. becomes financially insolvent.
- D. depletes its loss reserves.
正解：C
質問 # 50
Which rider would allow additional insurance to be purchased at specified dates or events, without additional
underwriting?
- A. Guaranteed insurability.
- B. Disability income.
- C. Guaranteed renewability.
- D. Cost of living.
正解：A
質問 # 51
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
正解：A
質問 # 52
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OH-Life-Agent-Series-11-44問題PDFでOH-Life-Agent-Series-11-44リアル試験問題解答：https://drive.google.com/open?id=1rU20xk3XcULwX-NK0qTKLfaZkHXpZI4f