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This document provides the fully updated 2026/2027 Ohio Health and Life Insurance Exam questions along with verified correct answers. It covers essential insurance concepts, Ohio-specific regulations, policy structures, underwriting practices, and ethical and legal requirements for licensure. The content is organized to support efficient studying, reinforce key knowledge, and strengthen exam readiness.
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Ohio Health and life insurance•Ohio Health and life insurance
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This document provides the fully updated 2026/2027 Ohio Health and Life Insurance Exam questions along with verified correct answers. It covers essential insurance concepts, Ohio-specific regulations, policy structures, underwriting practices, and ethical and legal requirements for licensure. The content is organized to support efficient studying, reinforce key knowledge, and strengthen exam readiness.
This document provides the fully updated 2026/2027 Ohio Health and Life Insurance exam questions with correct answers. It covers essential state regulations, policy provisions, underwriting principles, life and health insurance fundamentals, contracts, and ethical responsibilities required for Ohio licensing. The material is organized to support efficient and accurate exam preparation aligned with the latest exam standards.
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Ohio Health and life insurance•Ohio Health and life insurance
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This document provides the fully updated 2026/2027 Ohio Health and Life Insurance exam questions with correct answers. It covers essential state regulations, policy provisions, underwriting principles, life and health insurance fundamentals, contracts, and ethical responsibilities required for Ohio licensing. The material is organized to support efficient and accurate exam preparation aligned with the latest exam standards.
OHIO HEALTH AND LIFE INSURANCE EXAM NEWEST 2025/2026 
COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS 
(VERIFIED ANSWERS) |BRAND NEW VERSION!! 
Which type of business insurance is meant to cover the costs of continuing to do 
business while the owner is disabled? 
A.) Disability overhead policy 
B.) Business continuation policy 
C.) Disability buy-sell policy 
D.) Business overhead expense policy - Correct Answer-Business overhead 
expense policy 
 
An applicant's character and per...
- Examen
- • 35 páginas's •
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OHIO HEALTH AND LIFE INSURANCE EXAM NEWEST 2025/2026 
COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS 
(VERIFIED ANSWERS) |BRAND NEW VERSION!! 
Which type of business insurance is meant to cover the costs of continuing to do 
business while the owner is disabled? 
A.) Disability overhead policy 
B.) Business continuation policy 
C.) Disability buy-sell policy 
D.) Business overhead expense policy - Correct Answer-Business overhead 
expense policy 
 
An applicant's character and per...
Ohio Health and life insurance exam 
Exam Questions and Answers 
(2024 / 2025) (Verified 
Answers) 
How soon can the benefit payments begin with a deferred 
annuity? - CORRECT ANSWER A minimum of 12 months 
after date of purchase 
Which of these factors is NOT taken into consideration when 
determining the cost of a long- term care policy? - CORRECT 
ANSWER Personal income 
An agent is legally permitted to share his/her commissions - 
CORRECT ANSWER with another licensed agent 
The waiver ...
- Examen
- • 19 páginas's •
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Ohio Health and life insurance•Ohio Health and life insurance
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Ohio Health and life insurance exam 
Exam Questions and Answers 
(2024 / 2025) (Verified 
Answers) 
How soon can the benefit payments begin with a deferred 
annuity? - CORRECT ANSWER A minimum of 12 months 
after date of purchase 
Which of these factors is NOT taken into consideration when 
determining the cost of a long- term care policy? - CORRECT 
ANSWER Personal income 
An agent is legally permitted to share his/her commissions - 
CORRECT ANSWER with another licensed agent 
The waiver ...
Ohio Health and life insurance exam 
Exam Questions and Answers 
(2024 / 2025) (Verified 
Answers) 
The type of policy where the insurer can send a notice to the 
insured that the policy has been cancelled in the middle of 
the term is called - CORRECT answer cancelable 
How soon can the benefit payments begin with a deferred 
annuity? - CORRECT answer A minimum of 12 months after 
date of purchase 
Which of these factors is NOT taken into consideration when 
determining the cost of a lon...
- Examen
- • 19 páginas's •
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Ohio Health and life insurance•Ohio Health and life insurance
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Ohio Health and life insurance exam 
Exam Questions and Answers 
(2024 / 2025) (Verified 
Answers) 
The type of policy where the insurer can send a notice to the 
insured that the policy has been cancelled in the middle of 
the term is called - CORRECT answer cancelable 
How soon can the benefit payments begin with a deferred 
annuity? - CORRECT answer A minimum of 12 months after 
date of purchase 
Which of these factors is NOT taken into consideration when 
determining the cost of a lon...
Ohio Health and life insurance exam 
Exam Questions and Answers 
(2024 / 2025) (Verified 
Answers) 
How soon can the benefit payments begin with a deferred 
annuity? - CORRECT ANSWER A minimum of 12 months 
after date of purchase 
Which of these factors is NOT taken into consideration when 
determining the cost of a long- term care policy? - CORRECT 
ANSWER Personal income 
An agent i
- Examen
- • 60 páginas's •
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Ohio Health and life insurance•Ohio Health and life insurance
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Ohio Health and life insurance exam 
Exam Questions and Answers 
(2024 / 2025) (Verified 
Answers) 
How soon can the benefit payments begin with a deferred 
annuity? - CORRECT ANSWER A minimum of 12 months 
after date of purchase 
Which of these factors is NOT taken into consideration when 
determining the cost of a long- term care policy? - CORRECT 
ANSWER Personal income 
An agent i
Ohio Health and life insurance exam 
Exam Questions and Answers (2024 / 
2025) (Verified Answers) 
Insurance - CORRECT ANSWER A contract that indemnifies 
another against loss, damage, or liability 
Indemnify - CORRECT ANSWER To make one whole by 
restoring them to the same financial position that existed 
before the loss 
Pure risk - CORRECT ANSWER There is only a chance of 
loss and there is no possibility for gain (insurable) 
Speculative risk - CORRECT ANSWER Uncertainty of loss or 
g...
- Examen
- • 124 páginas's •
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Ohio Health and life insurance•Ohio Health and life insurance
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Ohio Health and life insurance exam 
Exam Questions and Answers (2024 / 
2025) (Verified Answers) 
Insurance - CORRECT ANSWER A contract that indemnifies 
another against loss, damage, or liability 
Indemnify - CORRECT ANSWER To make one whole by 
restoring them to the same financial position that existed 
before the loss 
Pure risk - CORRECT ANSWER There is only a chance of 
loss and there is no possibility for gain (insurable) 
Speculative risk - CORRECT ANSWER Uncertainty of loss or 
g...