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OH-Life-Agent-Series-11-44 Exam Dumps - OHIO Life Insurance Agent Series 11-44

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Question # 4

Statements by an applicant concerning personal health history, family health history, occupation, and hobbies are referred to as

A.

depictions.

B.

certifications.

C.

representations.

D.

personal characteristics.

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Question # 5

Which of the following retirementplans will allow for a nonworking spouse to set up a separate account and make contributions based on the working spouse's Income?

A.

SIMPLE IRA

B.

SEP IRA

C.

401(k)

D.

IRA

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Question # 6

Which nonforfeiture option allows the policyowner to purchase less coverage for life?

A.

Reduced Paid-Up Insurance.

B.

Cash Surrender Value.

C.

Settlement Value.

D.

Extended Term.

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Question # 7

An Insured owns a whole life policy that has accumulated cash value. Which of the following statements Is true about the policy's cash value?

A.

The policy's cash value is viewed as investment growth and therefore subject to taxation for each calendar year.

B.

The growth of the policy's cash value Is not subject to income tax while the policy Is in force.

C.

It is subject to fluctuations of the company's overall performance.

D.

The cash value is not guaranteed.

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Question # 8

Which of the following individuals has the right to name a beneficiary?

A.

producer

B.

owner

C.

Insured

D.

assignee

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