Learn with Ohio Department of Insurance : OH-Life-Agent-Series-11-44 training material for 100% pass

Last Updated: Jun 13, 2026

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

1. Which of the following is a characteristic of a contract of adhesion?

A) The insurer's obligations are dependent upon certain acts of the insured individual.
B) The Insurer agrees to pay a stated sum regardless of loss.
C) The terms must be accepted or rejected in full.
D) Each party is entitled to rely on others' representations.


2. Contributions made to a Roth IRA are

A) not tax deductible.
B) only tax deductible at age 50 or older.
C) partially tax deductible.
D) tax deductible at retirement.


3. A policyowner may not pay premiums with which frequency?

A) Semi-annually
B) Monthly
C) Bi-weekly
D) Quarterly


4. Competency of an Individual to enter into an Insurance contract is determined based on

A) payment of premium.
B) ownership.
C) legal purpose.
D) legal age.


5. 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 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.
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 the full amount of the policy, minus any additional premiums the Insurance
company would have paid based on the Insured's actual age.


Solutions:

Question # 1
Answer: C
Question # 2
Answer: A
Question # 3
Answer: C
Question # 4
Answer: D
Question # 5
Answer: A

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