Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 : OH-Life-Agent-Series-11-44 exam dump

  • Exam Code: OH-Life-Agent-Series-11-44
  • Exam Name: OHIO Life Insurance Agent Series 11-44
  • Updated: Sep 13, 2026
  • Q&As: 107 Questions and Answers

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

SectionObjectives
Insurance Basics- Insurance principles and risk management
  • 1. Risk classification and types of risk
    • 2. Insurance contract fundamentals
      Ohio Insurance Law and Regulations- State licensing requirements
      • 1. Continuing education requirements
        • 2. Producer licensing rules
          - Ethics and compliance
          • 1. Unfair trade practices
            • 2. Fraud prevention
              Life Insurance Concepts- Life insurance policies
              • 1. Whole life insurance
                • 2. Term life insurance
                  • 3. Universal life insurance
                    - Policy provisions and riders
                    • 1. Common policy riders
                      • 2. Beneficiaries and ownership rights
                        Annuities and Retirement Products- Annuity basics
                        • 1. Suitability standards
                          • 2. Fixed vs variable annuities

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

                            Question #1

                            Which of the following represents a syndicate of underwriters that specialize in Insuring specific types of risk?

                            • A. fraternal benefit society
                            • B. Lloyd's association
                            • C. reciprocal insurer
                            • D. risk retention group
                            Reveal Solution  Discussion  0

                            Correct Answer: D  🗳️

                            Question #2

                            The premium mode defines the

                            • A. premium amount.
                            • B. method of premium payment.
                            • C. frequency of the premium payment.
                            • D. premium limit.
                            Reveal Solution  Discussion  0

                            Correct Answer: C  🗳️

                            Question #3

                            Competency of an Individual to enter into an Insurance contract is determined based on

                            • A. ownership.
                            • B. legal age.
                            • C. legal purpose.
                            • D. payment of premium.
                            Reveal Solution  Discussion  0

                            Correct Answer: B  🗳️

                            Question #4

                            An Insured owns a whole life policy that has accumulated cash value. Which of the following statements Is
                            true about the policy's cash value?

                            • A. The growth of the policy's cash value Is not subject to income tax while the policy Is in force.
                            • B. It is subject to fluctuations of the company's overall performance.
                            • C. The policy's cash value is viewed as investment growth and therefore subject to taxation for each
                              calendar year.
                            • D. The cash value is not guaranteed.
                            Reveal Solution  Discussion  0

                            Correct Answer: A  🗳️

                            Question #5

                            Which rider would allow additional insurance to be purchased at specified dates or events, without additional
                            underwriting?

                            • A. Guaranteed insurability.
                            • B. Cost of living.
                            • C. Guaranteed renewability.
                            • D. Disability income.
                            Reveal Solution  Discussion  0

                            Correct Answer: A  🗳️

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