107試験解答はOH-Life-Agent-Series-11-44最新版 テストエンジン
合格確定OH-Life-Agent-Series-11-44試験問最新のOH-Life-Agent-Series-11-44試験問題集PDF2025年更新
質問 # 23
An insured wants to purchase a policy with three key elements: flexible premium, death benefit, and the choice
of mutual funds where the cash value will be Invested In a separate account. The Insured should purchase
- A. universal life.
- B. graded premium whole life.
- C. variable universal life.
- D. adjustable life.
正解：C
質問 # 24
Bettie has a $200,000 whole life policy with a $50,000 cash value. She wishes to borrow $30,000 for the
purchase of a new van. Which of the following Is TRUE In this situation?
- A. There is no requirement that she pay back the loan.
- B. This type of loan is interest free.
- C. Loans can only be taken for hardship situations.
- D. Whole life policies do not have any loan provisions.
正解：A
質問 # 25
Under what circumstances must an agent provide his or her business records to the superintendent of
Insurance?
- A. upon request of an insured
- B. under no circumstances due to privacy consideration
- C. by authorization from the National Association of Insurance Commissioners (NAIC)
- D. upon request of the superintendent
正解：D
質問 # 26
Which of the following retirementplans will allow for a nonworking spouse to set up a separate account and
make contributions based on the working spouse's Income?
- A. IRA
- B. SIMPLE IRA
- C. SEP IRA
- D. 401(k)
正解：A
質問 # 27
A single premium Immediate annuity Is MOST often used for
- A. children's college expenses.
- B. mortgage payments.
- C. retirement income.
- D. vacation expenses.
正解：C
質問 # 28
All the following riders can Increase the death benefit amount EXCEPT
- A. Accidental Death Rider.
- B. Cost of Living.
- C. Guaranteed Insurability.
- D. Waiver of Premium.
正解：A
質問 # 29
When a beneficiary Inherits a traditional IRA, which of the following Is TRUE about taxation when the money
is withdrawn? The beneficiary pays
- A. an estate tax.
- B. income tax.
- C. capital gains tax.
- D. no tax.
正解：B
質問 # 30
A policyowner may choose to have his/her life insurance policy dividends do all of the following EXCEPT
- A. be paid to the policyowner in cash.
- B. purchase additional insurance protection.
- C. accumulate without interest.
- D. reduce the policy premium.
正解：C
質問 # 31
The only beneficiary named in a life insurance policy died before the Insured. The policyowner did not name a
new beneficiary. When a claim is filed, the death benefit would be paid to the
- A. beneficiary's estate.
- B. insured's estate.
- C. policyowner.
- D. Insured's next of kin.
正解：B
質問 # 32
An agent qualified to sell variable products in Ohio must report each of the following to the superintendent of
Insurance EXCEPT
- A. a felony criminal conviction.
- B. the revocation of an insurance license held in another state.
- C. the sharing of commissions with another qualified agent.
- D. a suspension from the National Association of Securities Dealers.
正解：C
質問 # 33
To avoid tax consequences, a rollover from a Traditional IRA to another IRA MUST be done within
- A. 90 days.
- B. 45 days.
- C. 60 days.
- D. 30 days.
正解：C
質問 # 34
To receive proceeds from a death benefit, a minor
- A. must be related to the insured.
- B. can only be named as a contingent beneficiary.
- C. must have an appointed guardian.
- D. must be at least 16 years old.
正解：C
質問 # 35
Which of the following statements BEST describes a single premium cash value policy?
- A. It provides for only one premium to be paid without evidence of insurability.
- B. It waives one future premium if the owner becomes disabled.
- C. It requires only one payment to make the policy paid up.
- D. It requires the policyowner to pay one premium annually.
正解：C
質問 # 36
The structure of a credit life insurance policy does NOT allow for
- A. group policies.
- B. conversion privileges.
- C. Individual policies.
- D. coverage amount to match the loan amount.
正解：B
質問 # 37
An exposure Is a condition or situation that presents the possibility of
- A. peril.
- B. indemnity.
- C. loss.
- D. hazard.
正解：C
質問 # 38
What type of insurance is the cheapest option to pay off a 30-year mortgage balance?
- A. Variable life insurance.
- B. Level term insurance.
- C. Increasing term insurance.
- D. Decreasing term insurance.
正解：D
質問 # 39
If an agent does NOT send a refund to a policyholder within an expectable time frame, the agent may
- A. receive a deduction in commissions.
- B. be charged interest on the refund amount.
- C. be barred from seeking an appeal.
- D. have his or her license suspended or revoked.
正解：D
質問 # 40
Which rider would allow additional insurance to be purchased at specified dates or events, without additional
underwriting?
- A. Guaranteed renewability.
- B. Disability income.
- C. Guaranteed insurability.
- D. Cost of living.
正解：C
質問 # 41
The Group Life Underwriting risk selection process helps protect Insurers from
- A. medical underwriting.
- B. risk underwriting.
- C. risk selection.
- D. adverse selection.
正解：D
質問 # 42
Under an executive bonus plan, premiums paid by the employer are
- A. reported as taxable Income to the employer.
- B. tax deductible to both the employee and employer.
- C. only tax deductible when the bonus is an insurance plan.
- D. reported as taxable income to the employee.
正解：D
質問 # 43
Which activity does NOT require an Insurance agent's license?
- A. underwriting
- B. negotiating
- C. soliciting
- D. selling
正解：A
質問 # 44
Under Ohio insurance laws, what must a licensee do prior to operating under an assumed business name?
- A. notify the superintendent
- B. notify the National Association of Insurance Commissioners
- C. obtain approval from the insurer
- D. notify all prospective insureds
正解：A
質問 # 45
......
OH-Life-Agent-Series-11-44試験問題集無料サンプル365日更新：https://www.goshiken.com/Ohio-Department-of-Insurance/OH-Life-Agent-Series-11-44-mondaishu.html
まもなく無料セール終了！- リアルOH-Life-Agent-Series-11-44のPDF解答を試そう：https://drive.google.com/open?id=1LuwjnkqmvxiOZkGJrbyhyJYUWz-Ybfra