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OHIO LIFE, ACCIDENT & HEALTH INSURANCE EXAM SERIES 11–35 COMPREHENSIVE QUESTION BANK WITH ANSWERS AND RATIONALES

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OHIO LIFE, ACCIDENT & HEALTH INSURANCE EXAM SERIES 11–35 COMPREHENSIVE QUESTION BANK WITH ANSWERS AND RATIONALES

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OHIO LIFE, ACCIDENT & HEALTH INSURANCE
EXAM SERIES 11–35 COMPREHENSIVE
QUESTION BANK WITH ANSWERS AND
RATIONALES

◉ Original certificate good for....
Answer: 180 days


◉ Renewal for license
Answer: beinnially on birth month, $5 fee


◉ Types of risk
Answer: Pure risk - covered by insurance
Speculative risk - not covered (gambling)


◉ How to handle risk
Answer: avoid it
retain it - self insurance
reduce it
share it
transfer it - buy insurance, spreads risk to large group

, ◉ Mortality Rate
Answer: based on "law of large numbers"
by age 100 we assume everyone dies
females live longer


◉ Principal
Answer: The insurance company
The agent represents the principal


◉ Implied Authority
Answer: Needed to do job
Not written in contract


◉ Expressed Authority
Answer: written out authority
ex. collecting premiums...


◉ Apparent Authority
Answer: actions seem to be those of principal
ex. business cards, applications....

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