[2024年更新]OH-Life-Agent-Series-11-44リアルな試験問題集でOH-Life-Agent-Series-11-44練習テスト
OH-Life-Agent-Series-11-44問題集でOHIO Life Insurance高確率練習問題集
質問 # 25
The grace period is a period of time
- A. after the premium is received and before the policy is issued.
- B. after the premium is paid and before the policy is issued.
- C. between the death of the insured individual and the payment of the benefits.
- D. after the premium is due but while the policy remains in force.
正解：D
質問 # 26
Making a statement that is false and maliciously critical of the financial condition of an insurer is known as
- A. defamation.
- B. coercion.
- C. misrepresentation.
- D. intimidation.
正解：C
質問 # 27
Which of the following dividend options is taxable?
- A. Paid up additions.
- B. Accumulation at interest.
- C. 1-year term.
- D. Return of premium.
正解：B
質問 # 28
Insurers do business in Ohio only after a thorough financial review. Most insurance policies written in Ohio
are protected by the Guaranty Association established to protect policy owners In the event an admitted
company
- A. becomes financially insolvent.
- B. depletes its loss reserves.
- C. cannot meet it's capital surplus requirements.
- D. merges with a foreign insurer.
正解：A
質問 # 29
Deliberate withholding of material facts that would affect the validity of an Insurance policy or a claim under
the policy Is known as
- A. slanting.
- B. aleatory contract.
- C. concealment.
- D. misrepresentation.
正解：C
質問 # 30
It is unlawful for a person to provide an advertisement which
- A. refers to the insurer's financial rating.
- B. uses a policy title to inaccurately describe a coverage.
- C. uses a testimonial.
- D. points out coverage advantages of a policy.
正解：B
質問 # 31
What is the approach to assessing the consumer's need for life insurance that focuses on an individual's future
stream of income?
- A. Needs approach
- B. Affordability approach
- C. Return of Investment approach
- D. Human Life Value approach
正解：D
質問 # 32
Falsifying the terms, benefits, advantages, or conditions of an insurance policy Is an example of which of the
following?
- A. Concealment
- B. Coercion
- C. Misrepresentation
- D. Forgery
正解：C
質問 # 33
When a beneficiary Inherits a traditional IRA, which of the following Is TRUE about taxation when the money
is withdrawn? The beneficiary pays
- A. capital gains tax.
- B. no tax.
- C. an estate tax.
- D. income tax.
正解：D
質問 # 34
An agent's underwriting duties Include which of the following?
- A. Issuing the policy.
- B. Completing all applications and collecting initial premiums.
- C. Setting premium amounts.
- D. Declining or accepting an application.
正解：B
質問 # 35
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
- A. will accumulate with interest until another brother dies and then be awarded to the surviving brother.
- B. must be awarded to Joe's estate.
- C. will not provide further insurance protection.
- D. must be shared equally by Rob and Joe's wife.
正解：C
質問 # 36
The type of insurance used to indemnify a firm for the loss of earnings brought about by the death or disability
of an officer or other significant employee Is
- A. key person.
- B. employee welfare.
- C. business continuation life.
- D. business overhead.
正解：A
質問 # 37
Under what circumstances must an agent provide his or her business records to the superintendent of
Insurance?
- A. under no circumstances due to privacy consideration
- B. upon request of an insured
- C. upon request of the superintendent
- D. by authorization from the National Association of Insurance Commissioners (NAIC)
正解：C
質問 # 38
An agent's actions or deeds demonstrate what kind of authority?
- A. inherent
- B. apparent
- C. delegated
- D. express
正解：B
質問 # 39
Which Is the name of the policy that combines a universal life policy with investment choices?
- A. Straight universal life policy.
- B. Flexible universal life policy.
- C. Interest-sensitive universal life policy.
- D. Variable universal life policy.
正解：D
質問 # 40
All the following riders can Increase the death benefit amount EXCEPT
- A. Guaranteed Insurability.
- B. Accidental Death Rider.
- C. Cost of Living.
- D. Waiver of Premium.
正解：B
質問 # 41
Which of the following is TRUE of a payor benefit rider?
- A. Pays a monthly income to the policyowner if the insured is totally disabled.
- B. Waives policy premiums if the insured becomes totally disabled.
- C. Waives premiums on a Juvenile policy if the policyowner becomes totally disabled or dies.
- D. Increases the value of the policy if the policyowner dies.
正解：C
質問 # 42
Generally, If a life application Is NOT prepaid, the effective date of coverage begins on the date the
- A. company underwriter approves the risk.
- B. application is signed.
- C. application is postmarked and mailed to the insurer.
- D. policy is delivered and accepted.
正解：D
質問 # 43
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OH-Life-Agent-Series-11-44リアルな問題と知能問題集：https://www.goshiken.com/Ohio-Department-of-Insurance/OH-Life-Agent-Series-11-44-mondaishu.html
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