Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam : OHIO Life Insurance Agent Series 11-44

Ohio Department of Insurance OH-Life-Agent-Series-11-44 exam
  • Exam Code: OH-Life-Agent-Series-11-44
  • Exam Name: OHIO Life Insurance Agent Series 11-44
  • Updated: Jul 22, 2026
  • Q & A: 107 Questions and Answers
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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
SectionWeightObjectives
Topic 1: Insurance Regulation12%- Change of address and contact information
- Licensing requirements
- Renewal and nonrenewal
- Continuing education requirements
- Resident and nonresident rules
- Reporting convictions and disciplinary actions
- Temporary licenses
- Assumed business names
Topic 2: Life Insurance Product Knowledge- Settlement options and beneficiary provisions
- Modified Endowment Contracts and taxation
- Policy provisions and types
- Cash value, dividends, policy loans and surrenders
- Section 1035 exchanges and rollover rules
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:

1. Contributions made to a Roth IRA are

A) not tax deductible.
B) only tax deductible at age 50 or older.
C) tax deductible at retirement.
D) partially tax deductible.


2. 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 death benefit will be reduced by the amount of the unpaid premiums.
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 insured will automatically become eligible for accelerated death benefits.


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

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


4. 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) Waiver of Premium.
B) Partial Surrender.
C) Automatic Premium Loan.
D) Spendthrift Clause.


5. What is the approach to assessing the consumer's need for life insurance that focuses on an individual's future
stream of income?

A) Needs approach
B) Human Life Value approach
C) Return of Investment approach
D) Affordability approach


Solutions:

Question # 1
Answer: A
Question # 2
Answer: C
Question # 3
Answer: A
Question # 4
Answer: B
Question # 5
Answer: B

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