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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. In which of the following fixed annuity features Is the surrender value tied to Interest rates?

A) fixed value rates
B) variable sub accounts
C) market value adjustments
D) interest sensitive trigger

2. Which of the following is a characteristic of a contract of adhesion?

A) Each party is entitled to rely on others' representations.
B) The terms must be accepted or rejected in full.
C) The insurer's obligations are dependent upon certain acts of the insured individual.
D) The Insurer agrees to pay a stated sum regardless of loss.

3. An agent's actions or deeds demonstrate what kind of authority?

A) apparent
B) delegated
C) inherent
D) express

4. To receive proceeds from a death benefit, a minor

A) must be related to the insured.
B) must have an appointed guardian.
C) can only be named as a contingent beneficiary.
D) must be at least 16 years old.

5. An Individual buys an annuity that will pay her spouse an income for 20 years. If the spouse dies within that
time, the Income will be paid to their children for the remainder of the period. What kind of annuity did the
Insured buy?

A) Temporary annuity certain
B) Joint life and survivorship annuity
C) Joint life annuity
D) Life annuity with period certain

Solutions: