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Ohio Life Insurance Exam Accurate 100 To qualify for appointment of agent - ANSWER 18 YOA, US citizenship not required, no minimum residency Original certificate good for.... - ANSWER 180 days Renewal for license - ANSWER beinnially on birth month, $5 f
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To qualify for appointment of agent - ANSWER 18 YOA, US citizenship not required, no minimum residency 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
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