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

1. In reference to life Insurance in contract law, a person MOST likely will have an insurable interest in insuring
a person's life If

A) the interest exists at the time of death.
B) any type of distant family relationship exists with the insured party.
C) any type of business relationship exists between the insured party and the beneficiary.
D) the interest exists at the time of application.

2. Falsifying the terms, benefits, advantages, or conditions of an insurance policy Is an example of which of the
following?

A) Coercion
B) Forgery
C) Concealment
D) Misrepresentation

3. At what age can an Individual begin to receive distributions from an IRA without a tax penalty?

A) 55 1/2 years.
B) 63 1/2 years.
C) 65 1/2 years.
D) 59 1/2 years.

4. The premium mode defines the

A) frequency of the premium payment.
B) method of premium payment.
C) premium limit.
D) premium amount.

5. The proposed insured's statements on a life insurance application are considered to be

A) representations.
B) misrepresentations.
C) warranties.
D) absolute statements.

Solutions: