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Ohio life/health insurance study guide State Exam 2024
Ohio life/health insurance study guide 
State Exam 2024 
Which statement best describes the tax responsibilities under a Business Overhead 
policy? - CORRECT ANSWER-Premiums are deductible, benefits are taxed 
In which type of insurance company may stockholders share in the profits and losses of 
the insurer? - CORRECT ANSWER-Stock 
In which company may policy owners receive policy dividends when there is a profit? - 
CORRECT ANSWER-mutual 
The law of large numbers states that - CORRECT ANSWE...
- Exam (elaborations)
- • 12 pages •
Ohio life/health insurance study guide 
State Exam 2024 
Which statement best describes the tax responsibilities under a Business Overhead 
policy? - CORRECT ANSWER-Premiums are deductible, benefits are taxed 
In which type of insurance company may stockholders share in the profits and losses of 
the insurer? - CORRECT ANSWER-Stock 
In which company may policy owners receive policy dividends when there is a profit? - 
CORRECT ANSWER-mutual 
The law of large numbers states that - CORRECT ANSWE...
Ohio life/health insurance study guide State Exam 2024
Ohio life/health insurance study guide 
State Exam 2024 
Which statement best describes the tax responsibilities under a Business Overhead 
policy? - CORRECT ANSWER-Premiums are deductible, benefits are taxed 
In which type of insurance company may stockholders share in the profits and losses of 
the insurer? - CORRECT ANSWER-Stock 
In which company may policy owners receive policy dividends when there is a profit? - 
CORRECT ANSWER-mutual 
The law of large numbers states that - CORRECT ANSWE...
- Exam (elaborations)
- • 12 pages •
Ohio life/health insurance study guide 
State Exam 2024 
Which statement best describes the tax responsibilities under a Business Overhead 
policy? - CORRECT ANSWER-Premiums are deductible, benefits are taxed 
In which type of insurance company may stockholders share in the profits and losses of 
the insurer? - CORRECT ANSWER-Stock 
In which company may policy owners receive policy dividends when there is a profit? - 
CORRECT ANSWER-mutual 
The law of large numbers states that - CORRECT ANSWE...
Study Guide for OHIO Life Insurance Exam 2024 Final Q&A
Study Guide for OHIO Life Insurance 
Exam 2024 Final Q&A 
Insurance: - CORRECT ANSWER-A contract in which the insurance company agrees to 
indemnify the insured party against loss, damage or liability arising from an unknown 
event. 
Insurance Transfers: - CORRECT ANSWER-The risk of loss from an individual or 
business entity to an insurance company, which in turn spreads costs of unexpected 
losses to many individuals. 
Direct response marketing: - CORRECT ANSWER-A direct response marketin...
- Exam (elaborations)
- • 22 pages •
Study Guide for OHIO Life Insurance 
Exam 2024 Final Q&A 
Insurance: - CORRECT ANSWER-A contract in which the insurance company agrees to 
indemnify the insured party against loss, damage or liability arising from an unknown 
event. 
Insurance Transfers: - CORRECT ANSWER-The risk of loss from an individual or 
business entity to an insurance company, which in turn spreads costs of unexpected 
losses to many individuals. 
Direct response marketing: - CORRECT ANSWER-A direct response marketin...
life, accident and health insurance state exam- Ohio 2024 Latest Review
life, accident and health insurance state 
exam- Ohio 2024 Latest Review 
A person who is a nonsmoker, of average weight and in excellent health would most 
likely be in which risk classification? - CORRECT ANSWER-preferred 
Preferred risk policies with reduced premiums are issued by insurance companies bc 
the insured has - CORRECT ANSWER-better than average mortality 
The waiver of premium does NOT include which provision? - CORRECT ANSWER-Al 
future premiums are waived if the insured reco...
- Exam (elaborations)
- • 15 pages •
life, accident and health insurance state 
exam- Ohio 2024 Latest Review 
A person who is a nonsmoker, of average weight and in excellent health would most 
likely be in which risk classification? - CORRECT ANSWER-preferred 
Preferred risk policies with reduced premiums are issued by insurance companies bc 
the insured has - CORRECT ANSWER-better than average mortality 
The waiver of premium does NOT include which provision? - CORRECT ANSWER-Al 
future premiums are waived if the insured reco...
Ohio Health Insurance Exam Latest Updated 2024 Q&A
Ohio Health Insurance Exam Latest 
Updated 2024 Q&A 
ACCIDENTAL AND HEALTH INSURANCE BASICS STARTS: 15% - CORRECT 
ANSWER-... 
Two major perils under a health insurance policy: - CORRECT ANSWER-Policies may 
cover both accident and sickness or accident only. 
Accidental bodily injury: - CORRECT ANSWER-An unforeseen and unintended injury 
that resulted from an accident rather than a sickness. 
Sickness: - CORRECT ANSWER-Normally defined as an illness, which first manifests 
itself while the ...
- Exam (elaborations)
- • 22 pages •
Ohio Health Insurance Exam Latest 
Updated 2024 Q&A 
ACCIDENTAL AND HEALTH INSURANCE BASICS STARTS: 15% - CORRECT 
ANSWER-... 
Two major perils under a health insurance policy: - CORRECT ANSWER-Policies may 
cover both accident and sickness or accident only. 
Accidental bodily injury: - CORRECT ANSWER-An unforeseen and unintended injury 
that resulted from an accident rather than a sickness. 
Sickness: - CORRECT ANSWER-Normally defined as an illness, which first manifests 
itself while the ...
Ohio Life and Health Insurance State Certification Exam 2024
Ohio Life and Health Insurance State 
Certification Exam 2024 
absolute assignment - CORRECT ANSWER-the assignment by the policy owner of all 
control and rights to a 3rd party 
accident - CORRECT ANSWER-a fortuitous event; unforeseen and unintended 
Accidental Death Insurance - CORRECT ANSWER-a form of health insurance that 
provides payment if death of the insured results from accident
- Exam (elaborations)
- • 2 pages •
Ohio Life and Health Insurance State 
Certification Exam 2024 
absolute assignment - CORRECT ANSWER-the assignment by the policy owner of all 
control and rights to a 3rd party 
accident - CORRECT ANSWER-a fortuitous event; unforeseen and unintended 
Accidental Death Insurance - CORRECT ANSWER-a form of health insurance that 
provides payment if death of the insured results from accident
Ohio Life Insurance Exam Study Guide 2024 Q&A
Ohio Life Insurance Exam Study Guide 
2024 Q&A 
To qualify for appointment of agent - CORRECT ANSWER-18 YOA, US citizenship not 
required, no minimum residency 
Original certificate good for.... - CORRECT ANSWER-180 days 
Renewal for license - CORRECT ANSWER-beinnially on birth month, $5 fee 
Types of risk - CORRECT ANSWER-Pure risk - covered by insurance 
Speculative risk - not covered (gambling) 
How to handle risk - CORRECT ANSWER-avoid it 
retain it - self insurance 
reduce it 
share it 
t...
- Exam (elaborations)
- • 5 pages •
Ohio Life Insurance Exam Study Guide 
2024 Q&A 
To qualify for appointment of agent - CORRECT ANSWER-18 YOA, US citizenship not 
required, no minimum residency 
Original certificate good for.... - CORRECT ANSWER-180 days 
Renewal for license - CORRECT ANSWER-beinnially on birth month, $5 fee 
Types of risk - CORRECT ANSWER-Pure risk - covered by insurance 
Speculative risk - not covered (gambling) 
How to handle risk - CORRECT ANSWER-avoid it 
retain it - self insurance 
reduce it 
share it 
t...
Life and Health Insurance - Ohio Licensing Exam 2024 with Verified Answers
Life and Health Insurance - Ohio 
Licensing Exam 2024 with Verified 
Answers 
Absolute Assignment - CORRECT ANSWER-The assignment by the policy owner of all 
control and rights to a third party. This differs from collateral assignment, which allows 
all the rights and control to revert to the owner once a loan is paid off 
Accident - CORRECT ANSWER-A fortuitous event; unforeseen and unintended 
Accidental Death Insurance - CORRECT ANSWER-A form of health insurance that 
provides payment if ...
- Exam (elaborations)
- • 23 pages •
Life and Health Insurance - Ohio 
Licensing Exam 2024 with Verified 
Answers 
Absolute Assignment - CORRECT ANSWER-The assignment by the policy owner of all 
control and rights to a third party. This differs from collateral assignment, which allows 
all the rights and control to revert to the owner once a loan is paid off 
Accident - CORRECT ANSWER-A fortuitous event; unforeseen and unintended 
Accidental Death Insurance - CORRECT ANSWER-A form of health insurance that 
provides payment if ...
Ohio Health & Life Insurance Exam Prep 2024 Q&A
Ohio Health & Life Insurance Exam Prep 
2024 Q&A 
Medical Expense Insurance - CORRECT ANSWER-Covers medical care and services 
Disability income insurance - CORRECT ANSWER-replaces income lost when disability 
keeps the insured from working 
Long-term care insurance - CORRECT ANSWER-covers long-term care in a nursing 
home, at home, or at an extended health care facility. 
Medicare supplement insurance - CORRECT ANSWER-Policy that provides coverage 
to supplement Medicare coverage 
Limited Be...
- Exam (elaborations)
- • 21 pages •
Ohio Health & Life Insurance Exam Prep 
2024 Q&A 
Medical Expense Insurance - CORRECT ANSWER-Covers medical care and services 
Disability income insurance - CORRECT ANSWER-replaces income lost when disability 
keeps the insured from working 
Long-term care insurance - CORRECT ANSWER-covers long-term care in a nursing 
home, at home, or at an extended health care facility. 
Medicare supplement insurance - CORRECT ANSWER-Policy that provides coverage 
to supplement Medicare coverage 
Limited Be...
Ohio Life and Health Practice Exam Questions and Correct Answers 100% 2024
Ohio Life and Health Practice Exam 
Questions and Correct Answers 100% 
2024 
An insured has a stop-loss limit of $5,000, a deductible of $500, and an 80/20 
coinsurance. The insured incurs $25,000 of covered losses. How much will the insured 
have to pay? 
$500 
$5,000 
$5,400 
$5,600 - CORRECT ANSWER-$5,000 
Which of these is NOT subject to income taxation under Modified Endowment Contract 
(MEC) 
Loan against the cash value 
Policy withdrawal 
Policy Dividend 
Death Benefit - CORRECT ANS...
- Exam (elaborations)
- • 18 pages •
Ohio Life and Health Practice Exam 
Questions and Correct Answers 100% 
2024 
An insured has a stop-loss limit of $5,000, a deductible of $500, and an 80/20 
coinsurance. The insured incurs $25,000 of covered losses. How much will the insured 
have to pay? 
$500 
$5,000 
$5,400 
$5,600 - CORRECT ANSWER-$5,000 
Which of these is NOT subject to income taxation under Modified Endowment Contract 
(MEC) 
Loan against the cash value 
Policy withdrawal 
Policy Dividend 
Death Benefit - CORRECT ANS...
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