Updated: Sep 05, 2026
No. of Questions: 107 Questions & Answers with Testing Engine
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| Certification Vendor: | Ohio Department of Insurance |
|---|---|
| Exam Name: | OHIO Life Insurance Agent Series 11-44 |
| Exam Number: | OH-Life-Agent-Series-11-44 |
| Real Exam Qty: | 100 |
| Exam Format: | Multiple Choice |
| Exam Price: | $49.00 USD |
| Certificate Validity Period: | 2 years, renewable with continuing education |
| Passing Score: | 70% |
| Available Languages: | English |
| Related Certifications: | Ohio Life & Health Combined Ohio Health Insurance Agent |
| 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 |
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Federal Tax Considerations | 12% | - 1035 Exchanges and rollovers - Tax treatment of annuities - Taxation of life insurance proceeds - Modified Endowment Contracts (MECs) |
| Topic 2: Types of Life Insurance Policies | 12% | - Term life insurance - Whole life and permanent life - Universal and indexed universal life - Group and credit life insurance |
| Topic 3: Annuities | 12% | - Payment options and uses - Fixed and specialty annuities - Annuity principles and types - Immediate vs deferred annuities |
| Topic 4: Policy Provisions, Options & Riders | 22% | - Common policy riders - Standard policy provisions - Nonforfeiture and settlement options - Dividends, loans and withdrawals - Beneficiary designations |
| Topic 5: Insurance Regulation | 12% | - Continuing education requirements - Resident and non-resident rules - State and federal insurance laws - Licensing requirements and maintenance - Disciplinary actions and penalties |
| Topic 6: General Insurance Concepts | 12% | - Elements of insurance contracts - Types of insurers and market conduct - Agent authority and responsibilities - Risk management and insurable interest |
| Topic 7: Life Insurance Basics | 18% | - Determining coverage amounts - Viatical settlements and specialized plans - Personal and business uses of life insurance - Underwriting and policy issue |
Question 1
The period after an annuity Is purchased but before distributions begin Is referred to as the
A. endowment phase.
B. build-up phase.
C. annuity phase.
D. accumulation phase.
Question 2
All the following riders can Increase the death benefit amount EXCEPT
A. Accidental Death Rider.
B. Cost of Living.
C. Waiver of Premium.
D. Guaranteed Insurability.
Question 3
When a beneficiary Inherits a traditional IRA, which of the following Is TRUE about taxation when the money
is withdrawn? The beneficiary pays
A. income tax.
B. an estate tax.
C. no tax.
D. capital gains tax.
Question 4
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 of the policy, minus any additional premiums the Insurance
company would have paid based on the Insured's actual age.
B. The insurer must pay the full amount as stated in the policy, as age is not considered a relevant factor.
C. The insurer is not liable to pay any amount due to the insured's misstatement of age.
D. 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.
Question 5
Under what circumstances must an agent provide his or her business records to the superintendent of
Insurance?
A. upon request of an insured
B. by authorization from the National Association of Insurance Commissioners (NAIC)
C. upon request of the superintendent
D. under no circumstances due to privacy consideration
Solutions:
| Question 1 Answer: D | Question 2 Answer: A | Question 3 Answer: A | Question 4 Answer: D | Question 5 Answer: C |
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