Ohio Department Of Insurance udemy selected Oh-life-agent-series-11-44 Ohio Life Insurance Questions Answers by Roy q95 vce pdf

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Exam Name:	OHIO Life Insurance Agent Series 11-44
Exam Code:	OH-Life-Agent-Series-11-44 Dumps
Vendor:	Ohio Department of Insurance	Certification:	OHIO Life Insurance
Questions:	105 Q&A's	Shared By:	roy

Question 12

What is an Insurer's liability when it Is discovered after an Insured dies that the Insured's age on the policy was misstated?

Options:

The insurer is not liable to pay any amount due to the insured's misstatement of age.

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.

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.

The insurer must pay the full amount as stated in the policy, as age is not considered a relevant factor.

Discussion

Question 13

In reference to life Insurance in contract law, a person MOST likely will have an insurable interest in insuring a person's life If

Options:

the interest exists at the time of death.

the interest exists at the time of application.

any type of distant family relationship exists with the insured party.

any type of business relationship exists between the insured party and the beneficiary.

Discussion

Question 14

If an Insured under a life insurance policy dies with an outstanding loan balance then the death benefit

will

Options:

be reduced by the amount of the loan and interest owed.

not be paid until the loan is repaid.

be paid less the amount of the loan but not the interest.

be paid less the amount of the loan interest but not the principal.

Discussion

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Question 15

While texting and driving, an Insured loses control of the vehicle and hits a tree. The resulting collision Is

Options:

an exposure.

a hazard.

a peril.

a risk.

Discussion