Smartly Prepare Exam with Free Online OH-Life-Agent-Series-11-44 Practice Test

We offer the latest OH-Life-Agent-Series-11-44 practice test designed for free and effective online OHIO Life Insurance Agent Series 11-44 certification preparation. It's a simulation of the real OH-Life-Agent-Series-11-44 exam experience, built to help you understand the structure, complexity, and topics you'll face on exam day.

Question 1

Which of the following policies allows the policyowner to change two policy features?

Options :

A : Credit Life.

B : Modified Life.

C : Adjustable Life.

D : Term Life.

Answer: C

Question 2

Rob, Joe, and Mike are brothers who have a $60,000 "first-to-die" Joint life policy covering all three of their lives. If Joe dies first, the policy proceeds

Options :

A : will not provide further insurance protection.

B : must be shared equally by Rob and Joe-s wife.

C : will accumulate with interest until another brother dies and then be awarded to the surviving brother.

D : must be awarded to Joe-s estate.

Answer: A

Question 3

Insurance agents have duties and responsibilities to the insured and the insurer. Which of the following responsibilities does an agent owe the insured during the policy year?

Options :

A : Help the insured file and follow up on claims.

B : Notify the insurance department when claims are paid.

C : Work with rating bureaus to establish insurer ratings.

D : Pay the insured-s premiums if they are unable to do so.

Answer: A

Question 4

All the following riders can Increase the death benefit amount EXCEPT

Options :

A : Cost of Living.

B : Waiver of Premium.

C : Accidental Death Rider.

D : Guaranteed Insurability.

Answer: C

Question 5

Under the children's term rider, what occurs when a child reaches the specified age? He or she

Options :

A : automatically becomes the beneficiary of the life insurance policy.

B : must show evidence of insurability to remain covered.

C : may Increase the term coverage of the rider.

D : is eliminated from coverage.

Answer: B