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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:

Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:

1. Something that increases the probability of loss is called

A) an exposure.
B) a risk.
C) a peril.
D) a hazard.

2. The purpose of insurance Is to

A) increase risk.
B) avoid risk.
C) reduce risk.
D) transfer risk.

3. The PRIMARY reason for purchasing life Insurance Is to provide

A) retirement Income.
B) death benefits.
C) safety of principal.
D) college tuition.

4. As a form of level premium permanent Insurance, ordinary life Insurance accumulates a reserve that
eventually

A) ceases to earn interest or grow in a positive earnings direction.
B) equals the face amount of the policy.
C) requires mandatory cash value distributions.
D) results In a dividend payment to the policyowner.

5. An Individual buys an annuity that will pay her spouse an income for 20 years. If the spouse dies within that
time, the Income will be paid to their children for the remainder of the period. What kind of annuity did the
Insured buy?

A) Joint life annuity
B) Joint life and survivorship annuity
C) Life annuity with period certain
D) Temporary annuity certain

Solutions: