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Life, Accident and Health Insurance Ohio Questions and Answers (2024 / 2025) (Verified Answers)

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Life, Accident and Health Insurance Ohio Questions and Answers (2024 / 2025) (Verified Answers) Which is a FALSE statement? a. Agents act in a fiduciary capacity when handling premiums. b. Misrepresentation on an application can void coverage, if material. c. Mutual life insurers cannot guarantee their future dividend scale. d. You can protect future dividends on a non-participating policy. - CORRECT ANSWER D. Only participating policies might pay dividends to policy owners. Stock insurers issue non-participating policies. Which type of license represents insureds or prospective insureds and does NOT represent an insurance company? a. exclusive agent b. independent insurance agent c. insurance agent d. insurance broker - CORRECT ANSWER insurance broker They represent the customer. Exclusive, captive, agents represent one insurer. Independent agent may represent as many insurers as he desires. Which is NOT a true statement about Life Insuran

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