Instantly download OH-Life-Agent-Series-11-44 updated real questions
Pass your actual test at first attempt with Ohio Department of Insurance OH-Life-Agent-Series-11-44 training material
Updated: Jul 23, 2026
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Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Overview:
| Certification Vendor: | Ohio Department of Insurance |
| Exam Name: | OHIO Life Insurance Agent Series 11-44 |
| Exam Number: | OH-Life-Agent-Series-11-44 |
| Certificate Validity Period: | 2 years, renewable with continuing education |
| Exam Format: | Multiple Choice |
| Exam Price: | $49.00 USD |
| Passing Score: | 70% |
| Real Exam Qty: | 100 |
| Available Languages: | English |
| Related Certifications: | Ohio Health Insurance Agent Ohio Life & Health Combined |
| Exam Duration: | 120 minutes |
| Recommended Training: | Ohio Approved Pre-Licensing Providers |
| Exam Registration: | Ohio Department of Insurance PSI Exams Registration |
| Sample Questions: | Ohio Department of Insurance OH-Life-Agent-Series-11-44 Sample Questions |
| Exam Way: | In-person at PSI testing centers or online proctored |
| Pre Condition: | Complete 20-hour state-approved pre-licensing education; minimum age 18; legal resident or authorized to work in US |
| Official Syllabus URL: | https://insurance.ohio.gov |
Ohio Department of Insurance OH-Life-Agent-Series-11-44 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Policy Provisions, Options & Riders | 22% | - Common policy riders - Beneficiary designations - Nonforfeiture and settlement options - Standard policy provisions - Dividends, loans and withdrawals |
| Topic 2: Annuities | 12% | - Immediate vs deferred annuities - Fixed and specialty annuities - Annuity principles and types - Payment options and uses |
| Topic 3: Life Insurance Basics | 18% | - Personal and business uses of life insurance - Underwriting and policy issue - Viatical settlements and specialized plans - Determining coverage amounts |
| Topic 4: General Insurance Concepts | 12% | - Elements of insurance contracts - Types of insurers and market conduct - Risk management and insurable interest - Agent authority and responsibilities |
| Topic 5: Insurance Regulation | 12% | - State and federal insurance laws - Licensing requirements and maintenance - Resident and non-resident rules - Continuing education requirements - Disciplinary actions and penalties |
| Topic 6: Types of Life Insurance Policies | 12% | - Universal and indexed universal life - Whole life and permanent life - Term life insurance - Group and credit life insurance |
| Topic 7: Federal Tax Considerations | 12% | - Modified Endowment Contracts (MECs) - Taxation of life insurance proceeds - 1035 Exchanges and rollovers - Tax treatment of annuities |
Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 Sample Questions:
1. After a request has been received for verification of coverage from a viatical settlement provider, an insurance
company authorized to do business shall respond within:
A) 90 calendar days
B) 60 calendar days
C) 45 calendar days
D) 30 calendar days
2. A single premium Immediate annuity Is MOST often used for
A) retirement income.
B) vacation expenses.
C) mortgage payments.
D) children's college expenses.
3. What is an Insurer's liability when it Is discovered after an Insured dies that the Insured's age on the policy was
misstated?
A) The insurer must pay the full amount as stated in the policy, as age is not considered a relevant factor.
B) The insurer must pay a prorated amount of the policy based on the amount of insurance the insured's
premiums would have been if purchased at the correct age.
C) The insurer must pay the full amount of the policy, minus any additional premiums the Insurance
company would have paid based on the Insured's actual age.
D) The insurer is not liable to pay any amount due to the insured's misstatement of age.
4. Each of the following are characteristics of a fixed annuity contract EXCEPT
A) the minimum interest rate is guaranteed in the contract.
B) funds are Invested in a separate account.
C) benefit payments remain level.
D) it may be sold as an immediate or deferred annuity.
5. The structure of a credit life insurance policy does NOT allow for
A) Individual policies.
B) group policies.
C) conversion privileges.
D) coverage amount to match the loan amount.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: A | Question # 3 Answer: B | Question # 4 Answer: B | Question # 5 Answer: C |
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