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質問 1：
Generally, If a life application Is NOT prepaid, the effective date of coverage begins on the date the
A. application is signed.
B. application is postmarked and mailed to the insurer.
C. policy is delivered and accepted.
D. company underwriter approves the risk.
正解：C
質問 2：
Contributions made to a Roth IRA are
A. not tax deductible.
B. tax deductible at retirement.
C. only tax deductible at age 50 or older.
D. partially tax deductible.
正解：A
質問 3：
Upon the divorce of an insured who designated their spouse as the beneficiary, which of the following actions
will result?
A. the insured must pay 50% of the premiums paid to the spouse named as the beneficiary
B. the designation of the spouse as a beneficiary is revoked
C. the policy will automatically be terminated
D. the spouse designated as beneficiary will remain an irrevocable beneficiary
正解：B
質問 4：
An applicant would be charged a higher premium for a life Insurance policy if they were
A. married.
B. older.
C. deaf.
D. younger.
正解：B
質問 5：
Statements by an applicant concerning personal health history, family health history, occupation, and hobbies
are referred to as
A. depictions.
B. certifications.
C. representations.
D. personal characteristics.
正解：C
質問 6：
Insurers do business in Ohio only after a thorough financial review. Most insurance policies written in Ohio
are protected by the Guaranty Association established to protect policy owners In the event an admitted
company
A. becomes financially insolvent.
B. merges with a foreign insurer.
C. cannot meet it's capital surplus requirements.
D. depletes its loss reserves.
正解：A
質問 7：
Which of the following individuals has the right to name a beneficiary?
A. producer
B. Insured
C. assignee
D. owner
正解：D
質問 8：
Which Is the name of the policy that combines a universal life policy with investment choices?
A. Straight universal life policy.
B. Variable universal life policy.
C. Interest-sensitive universal life policy.
D. Flexible universal life policy.
正解：B
Generally, If a life application Is NOT prepaid, the effective date of coverage begins on the date the
A. application is signed.
B. application is postmarked and mailed to the insurer.
C. policy is delivered and accepted.
D. company underwriter approves the risk.
正解：C
質問 2：
Contributions made to a Roth IRA are
A. not tax deductible.
B. tax deductible at retirement.
C. only tax deductible at age 50 or older.
D. partially tax deductible.
正解：A
質問 3：
Upon the divorce of an insured who designated their spouse as the beneficiary, which of the following actions
will result?
A. the insured must pay 50% of the premiums paid to the spouse named as the beneficiary
B. the designation of the spouse as a beneficiary is revoked
C. the policy will automatically be terminated
D. the spouse designated as beneficiary will remain an irrevocable beneficiary
正解：B
質問 4：
An applicant would be charged a higher premium for a life Insurance policy if they were
A. married.
B. older.
C. deaf.
D. younger.
正解：B
質問 5：
Statements by an applicant concerning personal health history, family health history, occupation, and hobbies
are referred to as
A. depictions.
B. certifications.
C. representations.
D. personal characteristics.
正解：C
質問 6：
Insurers do business in Ohio only after a thorough financial review. Most insurance policies written in Ohio
are protected by the Guaranty Association established to protect policy owners In the event an admitted
company
A. becomes financially insolvent.
B. merges with a foreign insurer.
C. cannot meet it's capital surplus requirements.
D. depletes its loss reserves.
正解：A
質問 7：
Which of the following individuals has the right to name a beneficiary?
A. producer
B. Insured
C. assignee
D. owner
正解：D
質問 8：
Which Is the name of the policy that combines a universal life policy with investment choices?
A. Straight universal life policy.
B. Variable universal life policy.
C. Interest-sensitive universal life policy.
D. Flexible universal life policy.
正解：B
Hoshino -
OH-Life-Agent-Series-11-44試験のテキストですが、これが実に解り易い。図が多く、イメージをつかみやすい