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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:

1. The type of insurance used to indemnify a firm for the loss of earnings brought about by the death or disability
of an officer or other significant employee Is

A) employee welfare.
B) business continuation life.
C) key person.
D) business overhead.

2. A single premium Immediate annuity Is MOST often used for

A) retirement income.
B) children's college expenses.
C) vacation expenses.
D) mortgage payments.

3. Which of the following is a life insurance contract written on the life of an individual?

A) Survivorship Policy.
B) Joint Life Contract.
C) Insurance.
D) Single-Life Insurance.

4. The structure of a credit life insurance policy does NOT allow for

A) Individual policies.
B) conversion privileges.
C) coverage amount to match the loan amount.
D) group policies.

5. Which of the following describes the process of selection, classification, and rating of risks?

A) underwriting
B) cost containment
C) claims experience
D) adverse selection

Solutions: