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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Practice Test with Latest OH-Life-Agent-Series-11-44 Exam Questions [2025]

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Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions (Q27-Q32):

NEW QUESTION # 27
Which of the following statements is TRUE regarding a waiver of premium rider?

A. The policy's cash value will continue to grow, but at a slower rate because the insured is no longer
paying premiums.
B. The insured will automatically become eligible for accelerated death benefits.
C. There will be no change in the policy other than the insured no longer has to pay the premiums on the
policy.
D. The death benefit will be reduced by the amount of the unpaid premiums.

Answer: C

NEW QUESTION # 28
An Insurer would consider which of the following In determining whether to accept a group life plan?

A. Grace period
B. Dependents
C. Average age
D. Beneficiary

Answer: C

NEW QUESTION # 29
Loans may generally be obtained against the cash value of a personal life Insurance policy and policy loan
proceeds

A. are subject to Federal estate tax.
B. are not treated as taxable income.
C. generate nontaxable interest income.
D. accelerate the benefits under the policy.

Answer: B

NEW QUESTION # 30
To avoid tax consequences, a rollover from a Traditional IRA to another IRA MUST be done within

A. 90 days.
B. 60 days.
C. 45 days.
D. 30 days.

Answer: B

NEW QUESTION # 31
Something that increases the probability of loss is called

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

Answer: A

NEW QUESTION # 32
......

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