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

1. Which Is the name of the policy that combines a universal life policy with investment choices?

A) Variable universal life policy.
B) Straight universal life policy.
C) Interest-sensitive universal life policy.
D) Flexible universal life policy.

2. It is unlawful for a person to provide an advertisement which

A) points out coverage advantages of a policy.
B) uses a testimonial.
C) refers to the insurer's financial rating.
D) uses a policy title to inaccurately describe a coverage.

3. The accumulated cash value of a whole life insurance policy becomes the

A) funds used to offset policy administration and conversion expenses.
B) amount used to purchase paid up additions to the insured's policy.
C) policy loan value upon which the insured may borrow.
D) face amount payable upon the insured's death.

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

A) legal age.
B) ownership.
C) legal purpose.
D) payment of premium.

5. Something that increases the probability of loss is called

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

Solutions: