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

OH-Life-Agent-Series-11-44 Exam Questions
  • Exam Code: OH-Life-Agent-Series-11-44
  • Exam Name: OHIO Life Insurance Agent Series 11-44
  • Updated: Oct 16, 2026
  • Q & A: 107 Questions and Answers
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Ohio Department of Insurance OH-Life-Agent-Series-11-44 exam demo

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

SectionWeightObjectives
Topic 1: General Insurance Concepts12%- Risk management and insurable interest
- Elements of insurance contracts
- Agent authority and responsibilities
- Types of insurers and market conduct
Topic 2: Insurance Regulation12%- Disciplinary actions and penalties
- Continuing education requirements
- Resident and non-resident rules
- State and federal insurance laws
- Licensing requirements and maintenance
Topic 3: Life Insurance Basics18%- Determining coverage amounts
- Underwriting and policy issue
- Personal and business uses of life insurance
- Viatical settlements and specialized plans
Topic 4: Annuities12%- Immediate vs deferred annuities
- Annuity principles and types
- Payment options and uses
- Fixed and specialty annuities
Topic 5: Types of Life Insurance Policies12%- Whole life and permanent life
- Group and credit life insurance
- Universal and indexed universal life
- Term life insurance
Topic 6: Federal Tax Considerations12%- Tax treatment of annuities
- Modified Endowment Contracts (MECs)
- 1035 Exchanges and rollovers
- Taxation of life insurance proceeds
Topic 7: Policy Provisions, Options & Riders22%- Dividends, loans and withdrawals
- Beneficiary designations
- Standard policy provisions
- Nonforfeiture and settlement options
- Common policy riders

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

Question #1

Which Is the name of the policy that combines a universal life policy with investment choices?

  • A. Variable universal life policy.
  • B. Interest-sensitive universal life policy.
  • C. Straight universal life policy.
  • D. Flexible universal life policy.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

Question #2

An Insurer would consider which of the following In determining whether to accept a group life plan?

  • A. Grace period
  • B. Average age
  • C. Dependents
  • D. Beneficiary
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

Question #3

Rob, Joe, and Mike are brothers who have a $60,000 "first-to-die" Joint life policy covering all three of their
lives. If Joe dies first, the policy proceeds

  • A. will not provide further insurance protection.
  • B. must be awarded to Joe's estate.
  • C. must be shared equally by Rob and Joe's wife.
  • D. will accumulate with interest until another brother dies and then be awarded to the surviving brother.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

Question #4

When a beneficiary Inherits a traditional IRA, which of the following Is TRUE about taxation when the money
is withdrawn? The beneficiary pays

  • A. an estate tax.
  • B. income tax.
  • C. capital gains tax.
  • D. no tax.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

Question #5

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

  • A. 59 1/2 years.
  • B. 63 1/2 years.
  • C. 65 1/2 years.
  • D. 55 1/2 years.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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