OH-Life-Agent-Series-11-44 試験問題を無料オンラインアクセス

Which of the following is a provision in an interest-sensitive life policy which allows the policyowner to
withdraw the policy's cash value Interest free?

• A.Spendthrift Clause.
• B.Automatic Premium Loan.
• C.Waiver of Premium.
• D.Partial Surrender.

An agent qualified to sell variable products in Ohio must report each of the following to the superintendent of
Insurance EXCEPT

• A.the revocation of an insurance license held in another state.
• B.a suspension from the National Association of Securities Dealers.
• C.the sharing of commissions with another qualified agent.
• D.a felony criminal conviction.

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

• A.adverse selection
• B.claims experience
• C.cost containment
• D.underwriting

An insured has chosen to receive the payout from her husband's life insurance policy so that she will receive
an Income for the next 10 years. At the end of that time, the entire proceeds from the policy will have been
paid out. The insured has selected which option?

• A.Fixed period.
• B.Fixed amount.
• C.Interest only.
• D.Life income.

An annuitant dies during the accumulation period. What happens to the cash value in the annuity?

• A.The company keeps the cash value.
• B.The cash value is paid into the estate.
• C.The cash value is paid to the beneficiary.
• D.The cash value is paid to the IRS.