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

1. Generally, rates charged for Insurance may NOT be

A) excessive, inadequate, or unfairly discriminatory.
B) cost prohibitive.
C) different for persons withdiffering risk profiles.
D) discriminatory.

2. The PRIMARY reason for purchasing life Insurance Is to provide

A) college tuition.
B) death benefits.
C) retirement Income.
D) safety of principal.

3. Which of the following is a characteristic of a non-admitted Insurer?

A) A non-admitted insurer is required to submit forms to the Department of Insurance.
B) A non-admitted insurer is also known as a domestic insurer.
C) A non-admitted insurer is not afforded protection by the guaranty fund.
D) A non-admitted insurer is required to submit rates for approval.

4. A single premium Immediate annuity Is MOST often used for

A) mortgage payments.
B) retirement income.
C) children's college expenses.
D) vacation expenses.

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

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

Solutions: