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

  • Exam Code: OH-Life-Agent-Series-11-44
  • Exam Name: OHIO Life Insurance Agent Series 11-44
  • Updated: Oct 27, 2026
  • Q & A: 107 Questions and Answers

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About Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 : OH-Life-Agent-Series-11-44 Exam

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

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

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

                            Question #1

                            An immediate annuity begins making payments after the

                            • A. policy reaches its maturation date.
                            • B. first premium has been paid.
                            • C. policyholder suffers a disability.
                            • D. policy has been in force for one year.
                            Reveal Solution  Discussion  0

                            Correct Answer: B  🗳️

                            Question #2

                            Bettie has a $200,000 whole life policy with a $50,000 cash value. She wishes to borrow $30,000 for the
                            purchase of a new van. Which of the following Is TRUE In this situation?

                            • A. Whole life policies do not have any loan provisions.
                            • B. This type of loan is interest free.
                            • C. There is no requirement that she pay back the loan.
                            • D. Loans can only be taken for hardship situations.
                            Reveal Solution  Discussion  0

                            Correct Answer: C  🗳️

                            Question #3

                            After the hearing, if the insurance superintendent has determined a licensee has committed a violation of Ohio
                            Insurance Laws, what can the insurance superintendent do?

                            • A. suspend the licensee s premium accounts
                            • B. immediately terminate insurer appointments
                            • C. sentence the licensee up to 30 days in jail
                            • D. impose an administrative penalty
                            Reveal Solution  Discussion  0

                            Correct Answer: D  🗳️

                            Question #4

                            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. insured's estate.
                            • B. beneficiary's estate.
                            • C. policyowner.
                            • D. Insured's next of kin.
                            Reveal Solution  Discussion  0

                            Correct Answer: A  🗳️

                            Question #5

                            An Insurer would consider which of the following In determining whether to accept a group life plan?

                            • A. Grace period
                            • B. Beneficiary
                            • C. Average age
                            • D. Dependents
                            Reveal Solution  Discussion  0

                            Correct Answer: C  🗳️

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