最新的Ohio Department of Insurance OH-Life-Agent-Series-11-44免費考試真題

問題1

A policyowner may not pay premiums with which frequency?

A. Monthly

B. Quarterly

C. Bi-weekly

D. Semi-annually

正確答案: C

問題2

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

A. the right to surrender Is available on immediate and deferred annuities.

B. surrender charges will reduce the contract payout amount.

C. the owner has the right to surrender the contract during the accumulation period.

D. surrender charges diminish over a stated number of years and will eventually disappear.

正確答案: A

問題3

All the following riders can Increase the death benefit amount EXCEPT

A. Waiver of Premium.

B. Guaranteed Insurability.

C. Accidental Death Rider.

D. Cost of Living.

正確答案: C

問題4

Which of the following is a provision in an interest-sensitive life policy which allows the policyowner to
withdraw the policy's cash value Interest free?

A. Automatic Premium Loan.

B. Waiver of Premium.

C. Partial Surrender.

D. Spendthrift Clause.

正確答案: C

問題5

Statements by an applicant concerning personal health history, family health history, occupation, and hobbies
are referred to as

A. depictions.

B. personal characteristics.

C. representations.

D. certifications.

正確答案: C

問題6

All of the following statements regarding a group annuity are correct, EXCEPT

A. purchased as part of a structured corporate pension plan.

B. participation is limited to eligible employees.

C. each employee signs and receives an individual contract.

D. considered a defined-benefit plan.

正確答案: B

問題7

After a request has been received for verification of coverage from a viatical settlement provider, an insurance
company authorized to do business shall respond within:

A. 60 calendar days

B. 30 calendar days

C. 45 calendar days

D. 90 calendar days

正確答案: C

問題8

The period after an annuity Is purchased but before distributions begin Is referred to as the

A. endowment phase.

B. build-up phase.

C. annuity phase.

D. accumulation phase.

正確答案: D

最新的Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 - OH-Life-Agent-Series-11-44免費考試真題

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