life, accident and health
insurance state exam- OH
Questions and Answers Updated
2026
ABpersonBwhoBisBaBnonsmoker,BofBaverageBweightBandBinBexcellentBhealthBwouldBm
ostBlikelyBbeBinBwhichBriskBclassification?B-BAnswerBpreferred
PreferredBriskBpoliciesBwithBreducedBpremiumsBareBissuedBbyBinsuranceBcompaniesBb
cBtheBinsuredBhasB-BAnswerBbetterBthanBaverageBmortality
TheBwaiverBofBpremiumBdoesBNOTBincludeBwhichBprovision?B-
BAnswerBAlBfutureBpremiumsBareBwaivedBifBtheBinsuredBrecoversBfromBtheBdisability
AnBadvertisementBforBanBinsuranceBproductBmayBcontainB-
BAnswerBtheBinsurer'sBname
ABmedicareBsupplementBplanBcanBbeBcanceledBbyBtheBinsurerB-
BAnswerBforBnonpaymentBofBpremiums
TheBprincipleBofBinsurableBinterest,BinBregardsBtoBaBlifeBinsuranceBcontract,BisBaccurat
elyBdescribedBinBwhichBstatement?B-
BAnswerBInsurableBinterestBcanBbeBbasedBonBtheBloveBandBaffectionBofBindividualsBr
elatedBbyBbloodBorBlaw
CraigBsubmitsBaB%500BclaimBforBmedicalBexpenses.BWithBaBpastBdueBpremiumBofB$1
00,BtheBinsurerBpaysB$400.BwhichBofBtheBuniformBoptionalBprovisionsBcoversBthisBsitu
ation?B-BAnswerBunpaidBpremium
AnBexampleBofBaBhealthBinsuringBcorporationB(HIC)BspecialtyBcareBproviderBisB-
BAnswerBneurologist
,anBinsuranceBcompanyBneedsBtoBobtainBpersonalBinfoBfromBaB3rdBpartBconcerningBa
nBapplicant.BwhichBlawBdoBallBinsurersBandBtheirBproducersBneedBtoBcomplyBwith?B-
BAnswerBfairBcreditBreportingBact
timeBisBcoveredBunderBaBgroupBplanBandBwouldBlikeBtoBchangedBhisBcoverageBtoBan
BindividualBpolicyBwBtheBsameBinsurerBbcBofBemploymentBtermination.BwhichBofBthes
eBdescribesBtheBchangeBthatBwillBtakeBplace?B-BAnswerBconversion
anBagentsBapptBhasBbeenBterminatedBbyBinsurer.BtheBinsurerBmustBthenBnotifyBtheBs
uperintendentBwithinBhowBmanyBdaysBofBtheBtermination?B-BAnswerB30
theBsuicideBclauseBofBaBlifeBinsuranceBpolicyBstatesBthatBifBanBinsuredBcommitsBsuici
deBwBinBaBstatedBperiodBfromBtheBpolicyBinception,BtheBinsurerBwillBonlyBbeBliableBf
orBaBreturnBofBprismsBpaidB-BAnswerBminusBindebtednessBandBwithoutBinterest
whichBofBtheBfollowingBisBconsideredBtoBbeBanBalternativeBtoBaBlifeBsettlement?B-
BAnswerBacceleratedBdeathBbenefitBrider
ifBtheBannuitantBdiesBbeforeBtheBannuityBstartBdate,B-
BAnswerBtheBpremiumsBpaidBplusBinterestBearnedBwillBbeBgivenBtoBtheBbeneficiary
aBlifeBinsuranceBpolicyBthatBhasBpremiumsBfullyBpaidBupBwithinBaBstatedBtimeBperiod
BisBcalledB-BAnswerBlimitedBpaymentBinsurance
shoppingBforBannuityBthatBguaranteesBheBcannotBoutliveBtheBbenefits.BwhichBofBthes
eBbenefitBoptionsBwouldBheBchooseB-BAnswerBguaranteedBlifetimeBwithdrawalBbenefit
whatBisBmedicareBpartBbBknownBasB-BAnswerBsupplementaryBmedicalBinsurance
fieldBunderwritingBperformedBbyBtheBproducerBinvolvesB-
BAnswerBcompletingBtheBapplicationBandBcollectingBinitialBpremium
, aBlifeBinsuranceBpolicyBwhichBcontainsBcashBvaluesBthatBvaryBaccordingBtoBitsBinvestm
entBperformanceBofBstocksBisBcalledB-BAnswerBvariableBwholeBlife
aBlifeBinsuranceBpolicyBownerBwasBinjuredBinBanBautomobileBaccidentBwhichBresultsBi
nBtotalBandBpermanentBdisability.BwhichBriderBwouldBpayBaBmonthlyBamountBbcBofBt
hisBdisability?B-BAnswerBdisabilityBincomeBrider
pierreBisBcoveredBbyBhisBemployersBgroupBmajorBmedicalBplan.BhisBemployerBpaysBfo
rB75%BofBtheBpremiumBandBheBpaysBforB25%.BhowBmuchBwouldBaB10000BbenefitBb
eBtaxableBasBincomeBunderBthisBplanB-BAnswerB0
whatBisBnotBanBelementBofBaBvalidBcontractB-BAnswerBcountersignature
aBhealthBinsuranceBpolicyBwillBtypicallyBcoverB-BAnswerBpreventativeBhealthBservices
whichBsettlementBoptionBinvolvesBhavingBtheBproceedsBremainBwithBtheBinsurerBandB
earningsBpaidBonBaBmonthlyBbasisBtoBtheBbeneficiary?B-BAnswerBinterestBonly
allBofBtheBfollowingBareBqualificationsBforBestablishingBaBhealthBsavingsBactB(HSA)Bexc
eptB-BAnswerBenrolledBinBaBhealthBplanBwithBaBprescriptionBdrugBbenefit
legalBpurposeBisBaBtermBusedBinBcontractBlawBmeaningB-
BAnswerBthereBmustBbeBlegalBreasonsBforBenteringBintoBtheBcontract
donaldBisBtheBprimaryBinsuredBofBaBlifeBinsuranceBpolicyBandBaddsBaBchildren'sBterm
Brider.BwhatBisBtheBadvantageBofBaddingBthisBrider?B-
BAnswerBcanBbeBconvertedBtoBaBpermanentBcoverage
TheBfactorBusedBmostBoftenBwhenBunderwritingBaBdisabilityBincomeBpolicyBisB-
BAnswerBannualBearnings
insurance state exam- OH
Questions and Answers Updated
2026
ABpersonBwhoBisBaBnonsmoker,BofBaverageBweightBandBinBexcellentBhealthBwouldBm
ostBlikelyBbeBinBwhichBriskBclassification?B-BAnswerBpreferred
PreferredBriskBpoliciesBwithBreducedBpremiumsBareBissuedBbyBinsuranceBcompaniesBb
cBtheBinsuredBhasB-BAnswerBbetterBthanBaverageBmortality
TheBwaiverBofBpremiumBdoesBNOTBincludeBwhichBprovision?B-
BAnswerBAlBfutureBpremiumsBareBwaivedBifBtheBinsuredBrecoversBfromBtheBdisability
AnBadvertisementBforBanBinsuranceBproductBmayBcontainB-
BAnswerBtheBinsurer'sBname
ABmedicareBsupplementBplanBcanBbeBcanceledBbyBtheBinsurerB-
BAnswerBforBnonpaymentBofBpremiums
TheBprincipleBofBinsurableBinterest,BinBregardsBtoBaBlifeBinsuranceBcontract,BisBaccurat
elyBdescribedBinBwhichBstatement?B-
BAnswerBInsurableBinterestBcanBbeBbasedBonBtheBloveBandBaffectionBofBindividualsBr
elatedBbyBbloodBorBlaw
CraigBsubmitsBaB%500BclaimBforBmedicalBexpenses.BWithBaBpastBdueBpremiumBofB$1
00,BtheBinsurerBpaysB$400.BwhichBofBtheBuniformBoptionalBprovisionsBcoversBthisBsitu
ation?B-BAnswerBunpaidBpremium
AnBexampleBofBaBhealthBinsuringBcorporationB(HIC)BspecialtyBcareBproviderBisB-
BAnswerBneurologist
,anBinsuranceBcompanyBneedsBtoBobtainBpersonalBinfoBfromBaB3rdBpartBconcerningBa
nBapplicant.BwhichBlawBdoBallBinsurersBandBtheirBproducersBneedBtoBcomplyBwith?B-
BAnswerBfairBcreditBreportingBact
timeBisBcoveredBunderBaBgroupBplanBandBwouldBlikeBtoBchangedBhisBcoverageBtoBan
BindividualBpolicyBwBtheBsameBinsurerBbcBofBemploymentBtermination.BwhichBofBthes
eBdescribesBtheBchangeBthatBwillBtakeBplace?B-BAnswerBconversion
anBagentsBapptBhasBbeenBterminatedBbyBinsurer.BtheBinsurerBmustBthenBnotifyBtheBs
uperintendentBwithinBhowBmanyBdaysBofBtheBtermination?B-BAnswerB30
theBsuicideBclauseBofBaBlifeBinsuranceBpolicyBstatesBthatBifBanBinsuredBcommitsBsuici
deBwBinBaBstatedBperiodBfromBtheBpolicyBinception,BtheBinsurerBwillBonlyBbeBliableBf
orBaBreturnBofBprismsBpaidB-BAnswerBminusBindebtednessBandBwithoutBinterest
whichBofBtheBfollowingBisBconsideredBtoBbeBanBalternativeBtoBaBlifeBsettlement?B-
BAnswerBacceleratedBdeathBbenefitBrider
ifBtheBannuitantBdiesBbeforeBtheBannuityBstartBdate,B-
BAnswerBtheBpremiumsBpaidBplusBinterestBearnedBwillBbeBgivenBtoBtheBbeneficiary
aBlifeBinsuranceBpolicyBthatBhasBpremiumsBfullyBpaidBupBwithinBaBstatedBtimeBperiod
BisBcalledB-BAnswerBlimitedBpaymentBinsurance
shoppingBforBannuityBthatBguaranteesBheBcannotBoutliveBtheBbenefits.BwhichBofBthes
eBbenefitBoptionsBwouldBheBchooseB-BAnswerBguaranteedBlifetimeBwithdrawalBbenefit
whatBisBmedicareBpartBbBknownBasB-BAnswerBsupplementaryBmedicalBinsurance
fieldBunderwritingBperformedBbyBtheBproducerBinvolvesB-
BAnswerBcompletingBtheBapplicationBandBcollectingBinitialBpremium
, aBlifeBinsuranceBpolicyBwhichBcontainsBcashBvaluesBthatBvaryBaccordingBtoBitsBinvestm
entBperformanceBofBstocksBisBcalledB-BAnswerBvariableBwholeBlife
aBlifeBinsuranceBpolicyBownerBwasBinjuredBinBanBautomobileBaccidentBwhichBresultsBi
nBtotalBandBpermanentBdisability.BwhichBriderBwouldBpayBaBmonthlyBamountBbcBofBt
hisBdisability?B-BAnswerBdisabilityBincomeBrider
pierreBisBcoveredBbyBhisBemployersBgroupBmajorBmedicalBplan.BhisBemployerBpaysBfo
rB75%BofBtheBpremiumBandBheBpaysBforB25%.BhowBmuchBwouldBaB10000BbenefitBb
eBtaxableBasBincomeBunderBthisBplanB-BAnswerB0
whatBisBnotBanBelementBofBaBvalidBcontractB-BAnswerBcountersignature
aBhealthBinsuranceBpolicyBwillBtypicallyBcoverB-BAnswerBpreventativeBhealthBservices
whichBsettlementBoptionBinvolvesBhavingBtheBproceedsBremainBwithBtheBinsurerBandB
earningsBpaidBonBaBmonthlyBbasisBtoBtheBbeneficiary?B-BAnswerBinterestBonly
allBofBtheBfollowingBareBqualificationsBforBestablishingBaBhealthBsavingsBactB(HSA)Bexc
eptB-BAnswerBenrolledBinBaBhealthBplanBwithBaBprescriptionBdrugBbenefit
legalBpurposeBisBaBtermBusedBinBcontractBlawBmeaningB-
BAnswerBthereBmustBbeBlegalBreasonsBforBenteringBintoBtheBcontract
donaldBisBtheBprimaryBinsuredBofBaBlifeBinsuranceBpolicyBandBaddsBaBchildren'sBterm
Brider.BwhatBisBtheBadvantageBofBaddingBthisBrider?B-
BAnswerBcanBbeBconvertedBtoBaBpermanentBcoverage
TheBfactorBusedBmostBoftenBwhenBunderwritingBaBdisabilityBincomeBpolicyBisB-
BAnswerBannualBearnings