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

1. Which activity does NOT require an Insurance agent's license?

A) underwriting
B) soliciting
C) negotiating
D) selling

2. Something that increases the probability of loss is called

A) an exposure.
B) a peril.
C) a risk.
D) a hazard.

3. Contributions made to a Roth IRA are

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

4. An agent's actions or deeds demonstrate what kind of authority?

A) delegated
B) express
C) inherent
D) apparent

5. Insurance agents have duties and responsibilities to the insured and the insurer. Which of the following
responsibilities does an agent owe the insured during the policy year?

A) Work with rating bureaus to establish insurer ratings.
B) Notify the insurance department when claims are paid.
C) Pay the insured's premiums if they are unable to do so.
D) Help the insured file and follow up on claims.

Solutions: