Ohio Department of Insurance OH-Life-Agent-Series-11-44 : OHIO Life Insurance Agent Series 11-44

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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. All of the following statements apply to the surrender of an annuity contract EXCEPT

A) surrender charges diminish over a stated number of years and will eventually disappear.
B) the right to surrender Is available on immediate and deferred annuities.
C) surrender charges will reduce the contract payout amount.
D) the owner has the right to surrender the contract during the accumulation period.

2. Loans may generally be obtained against the cash value of a personal life Insurance policy and policy loan
proceeds

A) accelerate the benefits under the policy.
B) are not treated as taxable income.
C) generate nontaxable interest income.
D) are subject to Federal estate tax.

3. What does a limited payment whole life policy provide?

A) A lower premium.
B) Pure protection.
C) Life time protection.
D) Protection to age 65.

4. The PRIMARY reason for purchasing life Insurance Is to provide

A) death benefits.
B) college tuition.
C) retirement Income.
D) safety of principal.

5. The premium mode defines the

A) frequency of the premium payment.
B) premium amount.
C) premium limit.
D) method of premium payment.

Solutions: