最優質的 OHIO Life Insurance Agent Series 11-44 - OH-Life-Agent-Series-11-44 考古題

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最新的 OHIO Life Insurance OH-Life-Agent-Series-11-44 免費考試真題:

1. What is an Insurer's liability when it Is discovered after an Insured dies that the Insured's age on the policy was
misstated?

A) The insurer is not liable to pay any amount due to the insured's misstatement of age.
B) The insurer must pay the full amount as stated in the policy, as age is not considered a relevant factor.
C) The insurer must pay a prorated amount of the policy based on the amount of insurance the insured's
premiums would have been if purchased at the correct age.
D) The insurer must pay the full amount of the policy, minus any additional premiums the Insurance
company would have paid based on the Insured's actual age.

2. An insured owns a whole life insurance policy on himself. He would also like coverage for his minor son
and/or daughter. One way the Insured can accomplish this goal Is to purchase a

A) child term rider.
B) famitp maintenance rider.
C) guaranteed insurability rider.
D) family income rider.

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

A) adverse selection
B) claims experience
C) underwriting
D) cost containment

4. Upon annuitization, which of the following will have the HIGHEST monthly payout?

A) Straight life.
B) Joint and survivor life.
C) Joint life.
D) Straight life with guaranteed payments.

5. The structure of a credit life insurance policy does NOT allow for

A) coverage amount to match the loan amount.
B) Individual policies.
C) group policies.
D) conversion privileges.

問題與答案：