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Ohio Department of Insurance OH-Life-Agent-Series-11-44 : OHIO Life Insurance Agent Series 11-44
- Exam Code: OH-Life-Agent-Series-11-44
- Exam Name: OHIO Life Insurance Agent Series 11-44
- Updated: Sep 06, 2026
- Q & A: 107 Questions and Answers
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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Types of Life Insurance Policies | 12% | - Group and credit life insurance - Whole life and permanent life - Universal and indexed universal life - Term life insurance |
| Topic 2: Policy Provisions, Options & Riders | 22% | - Common policy riders - Standard policy provisions - Beneficiary designations - Nonforfeiture and settlement options - Dividends, loans and withdrawals |
| Topic 3: Insurance Regulation | 12% | - State and federal insurance laws - Resident and non-resident rules - Licensing requirements and maintenance - Continuing education requirements - Disciplinary actions and penalties |
| Topic 4: Life Insurance Basics | 18% | - Personal and business uses of life insurance - Determining coverage amounts - Viatical settlements and specialized plans - Underwriting and policy issue |
| Topic 5: Annuities | 12% | - Annuity principles and types - Immediate vs deferred annuities - Payment options and uses - Fixed and specialty annuities |
| Topic 6: General Insurance Concepts | 12% | - Agent authority and responsibilities - Elements of insurance contracts - Risk management and insurable interest - Types of insurers and market conduct |
| Topic 7: Federal Tax Considerations | 12% | - Modified Endowment Contracts (MECs) - Taxation of life insurance proceeds - Tax treatment of annuities - 1035 Exchanges and rollovers |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
Question #1
What is an Insurer's liability when it Is discovered after an Insured dies that the Insured's age on the policy was
misstated?
- A. The insurer is not liable to pay any amount due to the insured's misstatement of age.
- B. The insurer must pay the full amount of the policy, minus any additional premiums the Insurance
company would have paid based on the Insured's actual age. - C. The insurer must pay a prorated amount of the policy based on the amount of insurance the insured's
premiums would have been if purchased at the correct age. - D. The insurer must pay the full amount as stated in the policy, as age is not considered a relevant factor.
Answer: C
Question #2
Loans may generally be obtained against the cash value of a personal life Insurance policy and policy loan
proceeds
- A. are subject to Federal estate tax.
- B. are not treated as taxable income.
- C. generate nontaxable interest income.
- D. accelerate the benefits under the policy.
Answer: B
Question #3
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. reported as taxable income to the employee.
- D. only tax deductible when the bonus is an insurance plan.
Answer: C
Question #4
The grace period is a period of time
- A. between the death of the insured individual and the payment of the benefits.
- B. after the premium is received and before the policy is issued.
- C. after the premium is due but while the policy remains in force.
- D. after the premium is paid and before the policy is issued.
Answer: C
Question #5
Statements by an applicant concerning personal health history, family health history, occupation, and hobbies
are referred to as
- A. certifications.
- B. representations.
- C. depictions.
- D. personal characteristics.
Answer: B
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