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OH-Life-Agent-Series-11-44 pdf

OH-Life-Agent-Series-11-44 PDF

Last Update Jul 2, 2025
Total Questions : 105

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OHIO Life Insurance Agent Series 11-44

Last Update Jul 2, 2025
Total Questions : 105

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OHIO Life Insurance Agent Series 11-44 Questions and Answers

Questions 1

The applicant must face the possibility of losing something of value in the event of the insured’s death. This principle is known as:

Options:

A.

Insurable interest

B.

Adverse selection

C.

Indemnification

D.

Viatical settlement

Questions 2

What BEST describes a limited pay life insurance policy?

Options:

A.

A term life insurance policy that expires after 5 years with no further value.

B.

A whole life insurance policy where the premiums are paid up after 20 years.

C.

A term life insurance policy where the value of the policy decreases during the term.

D.

A whole life insurance policy that has a return of premium as a dividend.

Questions 3

Which of the following is TRUE of a payor benefit rider?

Options:

A.

Waives premiums on a juvenile policy if the policyowner becomes totally disabled or dies

B.

Pays a monthly income to the policyowner if the insured is totally disabled

C.

Waives policy premiums if the insured becomes totally disabled

D.

Increases the value of the policy if the policyowner dies