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質問 1：
Under Ohio insurance laws, what must a licensee do prior to operating under an assumed business name?
A. notify the superintendent
B. notify all prospective insureds
C. notify the National Association of Insurance Commissioners
D. obtain approval from the insurer
正解：A
質問 2：
Under what circumstances must an agent provide his or her business records to the superintendent of
Insurance?
A. by authorization from the National Association of Insurance Commissioners (NAIC)
B. upon request of the superintendent
C. under no circumstances due to privacy consideration
D. upon request of an insured
正解：B
質問 3：
A policyowner may not pay premiums with which frequency?
A. Semi-annually
B. Bi-weekly
C. Monthly
D. Quarterly
正解：B
質問 4：
Which of the following is a characteristic of a contract of adhesion?
A. Each party is entitled to rely on others' representations.
B. The insurer's obligations are dependent upon certain acts of the insured individual.
C. The terms must be accepted or rejected in full.
D. The Insurer agrees to pay a stated sum regardless of loss.
正解：C
質問 5：
The Group Life Underwriting risk selection process helps protect Insurers from
A. risk selection.
B. adverse selection.
C. medical underwriting.
D. risk underwriting.
正解：B
質問 6：
In which of the following fixed annuity features Is the surrender value tied to Interest rates?
A. interest sensitive trigger
B. variable sub accounts
C. fixed value rates
D. market value adjustments
正解：D
質問 7：
Something that increases the probability of loss is called
A. a risk.
B. an exposure.
C. a peril.
D. a hazard.
正解：D
質問 8：
Reinsurers are a specialized branch of the insurance industry because they
A. provide insurance to otherwise uninsurable individuals.
B. keep premiums low.
C. provide alternative means.
D. Insure insurers.
正解：D
Under Ohio insurance laws, what must a licensee do prior to operating under an assumed business name?
A. notify the superintendent
B. notify all prospective insureds
C. notify the National Association of Insurance Commissioners
D. obtain approval from the insurer
正解：A
質問 2：
Under what circumstances must an agent provide his or her business records to the superintendent of
Insurance?
A. by authorization from the National Association of Insurance Commissioners (NAIC)
B. upon request of the superintendent
C. under no circumstances due to privacy consideration
D. upon request of an insured
正解：B
質問 3：
A policyowner may not pay premiums with which frequency?
A. Semi-annually
B. Bi-weekly
C. Monthly
D. Quarterly
正解：B
質問 4：
Which of the following is a characteristic of a contract of adhesion?
A. Each party is entitled to rely on others' representations.
B. The insurer's obligations are dependent upon certain acts of the insured individual.
C. The terms must be accepted or rejected in full.
D. The Insurer agrees to pay a stated sum regardless of loss.
正解：C
質問 5：
The Group Life Underwriting risk selection process helps protect Insurers from
A. risk selection.
B. adverse selection.
C. medical underwriting.
D. risk underwriting.
正解：B
質問 6：
In which of the following fixed annuity features Is the surrender value tied to Interest rates?
A. interest sensitive trigger
B. variable sub accounts
C. fixed value rates
D. market value adjustments
正解：D
質問 7：
Something that increases the probability of loss is called
A. a risk.
B. an exposure.
C. a peril.
D. a hazard.
正解：D
質問 8：
Reinsurers are a specialized branch of the insurance industry because they
A. provide insurance to otherwise uninsurable individuals.
B. keep premiums low.
C. provide alternative means.
D. Insure insurers.
正解：D
Wasio -
OH-Life-Agent-Series-11-44初心者の勉強意欲を阻害しかねません。安心します。このOH-Life-Agent-Series-11-44の本と過去問で1週間で合格できた。