? College, university, and professional exams:2026/2027
00/00/2026100% CORRECT FROM AUTHORS STUDY
LATEST
GUIDE
UPDATE Page 1 of 179 COMPLETE SOLUTIONS
Ohio Life, Accident & Health Insurance
Exam (Series 11-35), Life Insurance
Policies, Property and Casualty mid -
term multiple choice, Ohio Life and
Health Practice Exam, Ohio series 11-35
exam questions I got wrong, life,
accident and health insurance
What type of policy is typically issued without proof of insurability from the insured?
Group policy
A whole life policy that requires that the Policyowner only pays premiums for a specified number of
years is known as what type of policy?
Limited-pay whole life
Who is entitled to the cash values in an insurance policy?
The Policyowner
An insured receives a monthly summary for his life insurance policy. He notices that the cash value of
the policy is significantly lower this month than it was last month. What type of policy does the insured
have?
? College, university, and professional
? Exam-Focused
exams1 ofAnswers
179 for Maximum Marks ? Trusted by High-Scoring
Page 1 ofStudents
179? College,
Worldwide
university, and professional exams
,? College, university, and professional exams:2026/2027
00/00/2026100% CORRECT FROM AUTHORS STUDY
LATEST
GUIDE
UPDATE Page 2 of 179 COMPLETE SOLUTIONS
Variable
What happens to the premium in an annually renewable term life policy?
Premium increases with each renewal
In a joint life policy, when is the death benefit paid?
Upon the first death
In term policies, what happens to the premium throughout the policy?
It remains level
In variable universal life insurance, to which policy component does the term variable refer?
Cash value and death benefit
When the amount of insurance is increased in an adjustable life policy, what will the insurer require
from the insured?
Evidence of insurability
? College, university, and professional
? Exam-Focused
exams2 ofAnswers
179 for Maximum Marks ? Trusted by High-Scoring
Page 2 ofStudents
179? College,
Worldwide
university, and professional exams
,? College, university, and professional exams:2026/2027
00/00/2026100% CORRECT FROM AUTHORS STUDY
LATEST
GUIDE
UPDATE Page 3 of 179 COMPLETE SOLUTIONS
In what type of life insurance policies can the Policyowner skip premium payments without lapsing?
Universal life
A policy states that the insurer will pay a specified face amount if the insured dies within the 20-year
premium paying period and nothing if he dies after. What type of policy is this?
20-year level term
What does "level" refer to in level term insurance?
Face amount
Between adjustable life and universal life policies, which one provides more flexibility to the
policyowner?
Universal life
What type of life insurance policy offers pure death protection?
Term
? College, university, and professional
? Exam-Focused
exams3 ofAnswers
179 for Maximum Marks ? Trusted by High-Scoring
Page 3 ofStudents
179? College,
Worldwide
university, and professional exams
, ? College, university, and professional exams:2026/2027
00/00/2026100% CORRECT FROM AUTHORS STUDY
LATEST
GUIDE
UPDATE Page 4 of 179 COMPLETE SOLUTIONS
What type of policy issues certificates of insurance to the insureds?
Group policy
What type of life insurance policy provides permanent protection?
Whole life
What type of whole life policy generates immediate cash value?
Single premium whole life
What elements of an adjustable life policy can be changed by the pokicyowners?
The amount and payment period of the premium, the face amount, and the period for protection
What is the purpose of establishing the target premium for a universal whole life policy?
to prevent the policy from lapsing
What type of whole life insurance policies only requires a payment of premium at its inception, and in
addition to providing insurance protection for the life of the insured, endows at the insured's age 100?
Single premium whole life
? College, university, and professional
? Exam-Focused
exams4 ofAnswers
179 for Maximum Marks ? Trusted by High-Scoring
Page 4 ofStudents
179? College,
Worldwide
university, and professional exams
00/00/2026100% CORRECT FROM AUTHORS STUDY
LATEST
GUIDE
UPDATE Page 1 of 179 COMPLETE SOLUTIONS
Ohio Life, Accident & Health Insurance
Exam (Series 11-35), Life Insurance
Policies, Property and Casualty mid -
term multiple choice, Ohio Life and
Health Practice Exam, Ohio series 11-35
exam questions I got wrong, life,
accident and health insurance
What type of policy is typically issued without proof of insurability from the insured?
Group policy
A whole life policy that requires that the Policyowner only pays premiums for a specified number of
years is known as what type of policy?
Limited-pay whole life
Who is entitled to the cash values in an insurance policy?
The Policyowner
An insured receives a monthly summary for his life insurance policy. He notices that the cash value of
the policy is significantly lower this month than it was last month. What type of policy does the insured
have?
? College, university, and professional
? Exam-Focused
exams1 ofAnswers
179 for Maximum Marks ? Trusted by High-Scoring
Page 1 ofStudents
179? College,
Worldwide
university, and professional exams
,? College, university, and professional exams:2026/2027
00/00/2026100% CORRECT FROM AUTHORS STUDY
LATEST
GUIDE
UPDATE Page 2 of 179 COMPLETE SOLUTIONS
Variable
What happens to the premium in an annually renewable term life policy?
Premium increases with each renewal
In a joint life policy, when is the death benefit paid?
Upon the first death
In term policies, what happens to the premium throughout the policy?
It remains level
In variable universal life insurance, to which policy component does the term variable refer?
Cash value and death benefit
When the amount of insurance is increased in an adjustable life policy, what will the insurer require
from the insured?
Evidence of insurability
? College, university, and professional
? Exam-Focused
exams2 ofAnswers
179 for Maximum Marks ? Trusted by High-Scoring
Page 2 ofStudents
179? College,
Worldwide
university, and professional exams
,? College, university, and professional exams:2026/2027
00/00/2026100% CORRECT FROM AUTHORS STUDY
LATEST
GUIDE
UPDATE Page 3 of 179 COMPLETE SOLUTIONS
In what type of life insurance policies can the Policyowner skip premium payments without lapsing?
Universal life
A policy states that the insurer will pay a specified face amount if the insured dies within the 20-year
premium paying period and nothing if he dies after. What type of policy is this?
20-year level term
What does "level" refer to in level term insurance?
Face amount
Between adjustable life and universal life policies, which one provides more flexibility to the
policyowner?
Universal life
What type of life insurance policy offers pure death protection?
Term
? College, university, and professional
? Exam-Focused
exams3 ofAnswers
179 for Maximum Marks ? Trusted by High-Scoring
Page 3 ofStudents
179? College,
Worldwide
university, and professional exams
, ? College, university, and professional exams:2026/2027
00/00/2026100% CORRECT FROM AUTHORS STUDY
LATEST
GUIDE
UPDATE Page 4 of 179 COMPLETE SOLUTIONS
What type of policy issues certificates of insurance to the insureds?
Group policy
What type of life insurance policy provides permanent protection?
Whole life
What type of whole life policy generates immediate cash value?
Single premium whole life
What elements of an adjustable life policy can be changed by the pokicyowners?
The amount and payment period of the premium, the face amount, and the period for protection
What is the purpose of establishing the target premium for a universal whole life policy?
to prevent the policy from lapsing
What type of whole life insurance policies only requires a payment of premium at its inception, and in
addition to providing insurance protection for the life of the insured, endows at the insured's age 100?
Single premium whole life
? College, university, and professional
? Exam-Focused
exams4 ofAnswers
179 for Maximum Marks ? Trusted by High-Scoring
Page 4 ofStudents
179? College,
Worldwide
university, and professional exams
