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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Annuities | 12% | - Immediate vs deferred annuities - Fixed and specialty annuities - Annuity principles and types - Payment options and uses |
| Types of Life Insurance Policies | 12% | - Group and credit life insurance - Whole life and permanent life - Term life insurance - Universal and indexed universal life |
| Policy Provisions, Options & Riders | 22% | - Standard policy provisions - Common policy riders - Beneficiary designations - Dividends, loans and withdrawals - Nonforfeiture and settlement options |
| Insurance Regulation | 12% | - State and federal insurance laws - Resident and non-resident rules - Continuing education requirements - Disciplinary actions and penalties - Licensing requirements and maintenance |
| General Insurance Concepts | 12% | - Types of insurers and market conduct - Agent authority and responsibilities - Risk management and insurable interest - Elements of insurance contracts |
| Life Insurance Basics | 18% | - Personal and business uses of life insurance - Viatical settlements and specialized plans - Determining coverage amounts - Underwriting and policy issue |
| Federal Tax Considerations | 12% | - 1035 Exchanges and rollovers - Taxation of life insurance proceeds - Tax treatment of annuities - Modified Endowment Contracts (MECs) |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
The settlement option that allows proceeds to remain with the Insurer and the earnings to be paid to the
beneficiary on a monthly basis is called
- A. lump sum.
- B. interest only.
- C. fixed period.
- D. fixed amount.
Correct Answer: B 🗳️
Under the children's term rider, what occurs when a child reaches the specified age? He or she
- A. must show evidence of insurability to remain covered.
- B. automatically becomes the beneficiary of the life insurance policy.
- C. is eliminated from coverage.
- D. may Increase the term coverage of the rider.
Correct Answer: A 🗳️
A modified endowment contract (MEC) receives different tax treatment on pre-death distributions than other
life Insurance policies because the modified endowment policy
- A. does not provide for loans to the policyowner.
- B. has a larger cash surrender value.
- C. tends to be an investment vehicle.
- D. generally pays dividends to the policyowner.
Correct Answer: C 🗳️
Under an executive bonus plan, premiums paid by the employer are
- A. only tax deductible when the bonus is an insurance plan.
- B. reported as taxable income to the employee.
- C. tax deductible to both the employee and employer.
- D. reported as taxable Income to the employer.
Correct Answer: B 🗳️
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 not provide further insurance protection.
- B. will accumulate with interest until another brother dies and then be awarded to the surviving brother.
- C. must be shared equally by Rob and Joe's wife.
- D. must be awarded to Joe's estate.
Correct Answer: A 🗳️
