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Updated: Jun 18, 2026
No. of Questions: 107 Questions & Answers with Testing Engine
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Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
1. Which of the following individuals has the right to name a beneficiary?
A) Insured
B) assignee
C) owner
D) producer
2. An Individual buys an annuity that will pay her spouse an income for 20 years. If the spouse dies within that
time, the Income will be paid to their children for the remainder of the period. What kind of annuity did the
Insured buy?
A) Joint life and survivorship annuity
B) Joint life annuity
C) Temporary annuity certain
D) Life annuity with period certain
3. Which of the following is a characteristic of a contract of adhesion?
A) The Insurer agrees to pay a stated sum regardless of loss.
B) The terms must be accepted or rejected in full.
C) Each party is entitled to rely on others' representations.
D) The insurer's obligations are dependent upon certain acts of the insured individual.
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) Automatic Premium Loan.
B) Partial Surrender.
C) Waiver of Premium.
D) Spendthrift Clause.
5. Statements by an applicant concerning personal health history, family health history, occupation, and hobbies
are referred to as
A) representations.
B) certifications.
C) personal characteristics.
D) depictions.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: C | Question # 3 Answer: B | Question # 4 Answer: B | Question # 5 Answer: A |
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