[2024年03月14日] 最新版を今すぐ試そうOH-Life-Agent-Series-11-44練習テスト問題解答
OH-Life-Agent-Series-11-44問題集と試験テストエンジン
質問 # 16
Who can surrender an annuity during the accumulation period?
- A. The company.
- B. The annuitant.
- C. The policyowner.
- D. The beneficiary.
正解：C
質問 # 17
Under Ohio insurance laws, what must a licensee do prior to operating under an assumed business name?
- A. notify the superintendent
- B. notify all prospective insureds
- C. obtain approval from the insurer
- D. notify the National Association of Insurance Commissioners
正解：A
質問 # 18
An insured has a 5-year Renewable Term Life Insurance Policy. Upon exercising the renewable privilege, the
Insured MUST
- A. provide evidence of insurability.
- B. pay an annual premium that may be higher.
- C. convert to a whole life policy.
- D. renew for at least 10 years.
正解：B
質問 # 19
Generally, rates charged for Insurance may NOT be
- A. excessive, inadequate, or unfairly discriminatory.
- B. cost prohibitive.
- C. discriminatory.
- D. different for persons withdiffering risk profiles.
正解：A
質問 # 20
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. merges with a foreign insurer.
- B. becomes financially insolvent.
- C. cannot meet it's capital surplus requirements.
- D. depletes its loss reserves.
正解：B
質問 # 21
As a form of level premium permanent Insurance, ordinary life Insurance accumulates a reserve that
eventually
- A. requires mandatory cash value distributions.
- B. equals the face amount of the policy.
- C. results In a dividend payment to the policyowner.
- D. ceases to earn interest or grow in a positive earnings direction.
正解：B
質問 # 22
The accumulated cash value of a whole life insurance policy becomes the
- A. funds used to offset policy administration and conversion expenses.
- B. face amount payable upon the insured's death.
- C. amount used to purchase paid up additions to the insured's policy.
- D. policy loan value upon which the insured may borrow.
正解：D
質問 # 23
Which Is the name of the policy that combines a universal life policy with investment choices?
- A. Straight universal life policy.
- B. Interest-sensitive universal life policy.
- C. Variable universal life policy.
- D. Flexible universal life policy.
正解：C
質問 # 24
The structure of a credit life insurance policy does NOT allow for
- A. coverage amount to match the loan amount.
- B. Individual policies.
- C. group policies.
- D. conversion privileges.
正解：D
質問 # 25
Statements by an applicant concerning personal health history, family health history, occupation, and hobbies
are referred to as
- A. representations.
- B. certifications.
- C. personal characteristics.
- D. depictions.
正解：A
質問 # 26
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. 90 calendar days
- D. 45 calendar days
正解：D
質問 # 27
Which of the following policies allows the policyowner to change two policy features?
- A. Credit Life.
- B. Term Life.
- C. Adjustable Life.
- D. Modified Life.
正解：C
質問 # 28
All of the following statements apply to the surrender of an annuity contract EXCEPT
- A. surrender charges diminish over a stated number of years and will eventually disappear.
- B. the owner has the right to surrender the contract during the accumulation period.
- C. surrender charges will reduce the contract payout amount.
- D. the right to surrender Is available on immediate and deferred annuities.
正解：D
質問 # 29
Which of the following is TRUE of a payor benefit rider?
- A. Waives premiums on a Juvenile policy if the policyowner becomes totally disabled or dies.
- B. Pays a monthly income to the policyowner if the insured is totally disabled.
- C. Waives policy premiums if the insured becomes totally disabled.
- D. Increases the value of the policy if the policyowner dies.
正解：A
質問 # 30
The period after an annuity Is purchased but before distributions begin Is referred to as the
- A. accumulation phase.
- B. annuity phase.
- C. build-up phase.
- D. endowment phase.
正解：A
質問 # 31
Survivorship life insurance policies are useful in estate planning because they
- A. provide funeral insurance and pre-need burial insurance.
- B. can provide money to pay taxes on assets.
- C. accumulate a sum of money for retirement.
- D. redistribute the premium obligation during the early years of the policy.
正解：B
質問 # 32
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?
- A. Help the insured file and follow up on claims.
- B. Work with rating bureaus to establish insurer ratings.
- C. Notify the insurance department when claims are paid.
- D. Pay the insured's premiums if they are unable to do so.
正解：A
質問 # 33
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2024年最新のGoShiken OH-Life-Agent-Series-11-44のPDFで最近更新された問題です：https://www.goshiken.com/Ohio-Department-of-Insurance/OH-Life-Agent-Series-11-44-mondaishu.html
Ohio Department of Insurance OH-Life-Agent-Series-11-44問題集にはリアル試験問題解答：https://drive.google.com/open?id=1hV8sgnQbCVAF_DIDJxuE0TRfbVLn84fq