최신 OH-Life-Agent-Series-11-44 무료덤프 - Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44

문제1

The only beneficiary named in a life insurance policy died before the Insured. The policyowner did not name a
new beneficiary. When a claim is filed, the death benefit would be paid to the

A. policyowner.

B. beneficiary's estate.

C. insured's estate.

D. Insured's next of kin.

정답: C

문제2

Which of the following describes the process of selection, classification, and rating of risks?

A. cost containment

B. underwriting

C. adverse selection

D. claims experience

정답: B

문제3

Making a statement that is false and maliciously critical of the financial condition of an insurer is known as

A. defamation.

B. misrepresentation.

C. coercion.

D. intimidation.

정답: B

문제4

Which of the following statements is TRUE regarding a waiver of premium rider?

A. The death benefit will be reduced by the amount of the unpaid premiums.

B. There will be no change in the policy other than the insured no longer has to pay the premiums on the
policy.

C. The policy's cash value will continue to grow, but at a slower rate because the insured is no longer
paying premiums.

D. The insured will automatically become eligible for accelerated death benefits.

정답: B

문제5

Something that increases the probability of loss is called

A. a hazard.

B. a risk.

C. an exposure.

D. a peril.

정답: A

문제6

An agent's actions or deeds demonstrate what kind of authority?

A. express

B. delegated

C. inherent

D. apparent

정답: D

문제7

Which activity does NOT require an Insurance agent's license?

A. negotiating

B. soliciting

C. underwriting

D. selling

정답: C

문제8

To receive proceeds from a death benefit, a minor

A. can only be named as a contingent beneficiary.

B. must be at least 16 years old.

C. must be related to the insured.

D. must have an appointed guardian.

정답: D

문제9

Survivorship life insurance policies are useful in estate planning because they

A. can provide money to pay taxes on assets.

B. accumulate a sum of money for retirement.

C. provide funeral insurance and pre-need burial insurance.

D. redistribute the premium obligation during the early years of the policy.

정답: A

문제10

What is the approach to assessing the consumer's need for life insurance that focuses on an individual's future
stream of income?

A. Affordability approach

B. Return of Investment approach

C. Needs approach

D. Human Life Value approach

정답: D

최신 OH-Life-Agent-Series-11-44 무료덤프 - Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44

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