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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Annuities | 12% | - Fixed and specialty annuities - Immediate vs deferred annuities - Annuity principles and types - Payment options and uses |
| Topic 2: Federal Tax Considerations | 12% | - Taxation of life insurance proceeds - Modified Endowment Contracts (MECs) - 1035 Exchanges and rollovers - Tax treatment of annuities |
| Topic 3: Policy Provisions, Options & Riders | 22% | - Nonforfeiture and settlement options - Beneficiary designations - Common policy riders - Dividends, loans and withdrawals - Standard policy provisions |
| Topic 4: Types of Life Insurance Policies | 12% | - Universal and indexed universal life - Group and credit life insurance - Whole life and permanent life - Term life insurance |
| Topic 5: General Insurance Concepts | 12% | - Agent authority and responsibilities - Risk management and insurable interest - Types of insurers and market conduct - Elements of insurance contracts |
| Topic 6: Insurance Regulation | 12% | - State and federal insurance laws - Licensing requirements and maintenance - Continuing education requirements - Resident and non-resident rules - Disciplinary actions and penalties |
| Topic 7: Life Insurance Basics | 18% | - Underwriting and policy issue - Determining coverage amounts - Viatical settlements and specialized plans - Personal and business uses of life insurance |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
What annuity payout option has no additional payouts regardless of when the annuitant dies?
- A. Life certain.
- B. Cash refund.
- C. Life only.
- D. Installment refund.
Correct Answer: C 🗳️
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 growth of the policy's cash value Is not subject to income tax while the policy Is in force.
- B. The cash value is not guaranteed.
- C. The policy's cash value is viewed as investment growth and therefore subject to taxation for each
calendar year. - D. It is subject to fluctuations of the company's overall performance.
Correct Answer: A 🗳️
The structure of a credit life insurance policy does NOT allow for
- A. conversion privileges.
- B. group policies.
- C. coverage amount to match the loan amount.
- D. Individual policies.
Correct Answer: A 🗳️
It is unlawful for a person to provide an advertisement which
- A. uses a testimonial.
- B. refers to the insurer's financial rating.
- C. uses a policy title to inaccurately describe a coverage.
- D. points out coverage advantages of a policy.
Correct Answer: C 🗳️
When a policy owner requests a partial surrender from her Universal Life Policy she Is requesting which of the
following?
- A. Surrender of the policy.
- B. Decrease In the coverage amount.
- C. Cash withdrawal.
- D. A loan from the policy.
Correct Answer: C 🗳️
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