- Exam Code: OH-Life-Agent-Series-11-44
- Exam Name: OHIO Life Insurance Agent Series 11-44
- Updated: Sep 03, 2026
- Q & A: 107 Questions and Answers
From a free demo to 365 days of free updates, Actual4Dumps covers every stage of your OH-Life-Agent-Series-11-44 preparation in one place. Study the 107 practice questions for the Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 and book your exam date with confidence.
| Certification Vendor: | Ohio Department of Insurance |
|---|---|
| Exam Name: | OHIO Life Insurance Agent Series 11-44 |
| Exam Number: | OH-Life-Agent-Series-11-44 |
| Exam Price: | $49.00 USD |
| Available Languages: | English |
| Exam Format: | Multiple Choice |
| Certificate Validity Period: | 2 years, renewable with continuing education |
| Passing Score: | 70% |
| Real Exam Qty: | 100 |
| Exam Duration: | 120 minutes |
| Related Certifications: | Ohio Health Insurance Agent Ohio Life & Health Combined |
| Recommended Training: | Ohio Approved Pre-Licensing Providers |
| Exam Registration: | Ohio Department of Insurance PSI Exams Registration |
| Sample Questions: | ![]() |
| Exam Way: | In-person at PSI testing centers or online proctored |
| Pre Condition: | Complete 20-hour state-approved pre-licensing education; minimum age 18; legal resident or authorized to work in US |
| Official Syllabus URL: | https://insurance.ohio.gov |
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Regulation | 12% | - Disciplinary actions and penalties - Continuing education requirements - State and federal insurance laws - Resident and non-resident rules - Licensing requirements and maintenance |
| Topic 2: Policy Provisions, Options & Riders | 22% | - Nonforfeiture and settlement options - Beneficiary designations - Standard policy provisions - Common policy riders - Dividends, loans and withdrawals |
| Topic 3: Life Insurance Basics | 18% | - Viatical settlements and specialized plans - Underwriting and policy issue - Determining coverage amounts - Personal and business uses of life insurance |
| Topic 4: Annuities | 12% | - Immediate vs deferred annuities - Payment options and uses - Fixed and specialty annuities - Annuity principles and types |
| Topic 5: General Insurance Concepts | 12% | - Agent authority and responsibilities - Risk management and insurable interest - Elements of insurance contracts - Types of insurers and market conduct |
| Topic 6: Federal Tax Considerations | 12% | - Tax treatment of annuities - 1035 Exchanges and rollovers - Modified Endowment Contracts (MECs) - Taxation of life insurance proceeds |
| Topic 7: Types of Life Insurance Policies | 12% | - Universal and indexed universal life - Group and credit life insurance - Term life insurance - Whole life and permanent life |
The Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 is the official Ohio Department of Insurance exam that leads to the Ohio Life Insurance Agent License certification at the Entry-Level / Producer level. Passing it validates your skills against Ohio Department of Insurance standards and proves your qualification to current and future employers. The credential is also connected with related certifications such as Ohio Health Insurance Agent, Ohio Life & Health Combined, so it can serve as a solid step in a broader certification path.
The OH-Life-Agent-Series-11-44 exam has 100 questions in total and must be completed within 120 minutes. That leaves only a narrow time budget per item, so train yourself to flag a difficult question, move on, and circle back later instead of getting stuck. A week or two before your test date, run at least one full timed mock exam in the Actual4Dumps desktop or online test engine under the same 120 minutes limit, and repeat until you can finish with a few minutes left for review.
The passing score for the OH-Life-Agent-Series-11-44 exam is 70%, and the official registration fee is $49.00 USD. Keep in mind that a failed attempt is not discounted — retaking the exam means paying the full fee again — so it is wise not to book your seat until your practice scores sit comfortably above the passing mark. Working through the 107 questions at Actual4Dumps in timed mode is a reliable way to judge when you are truly ready.
Ohio Department of Insurance sets the following requirement for the OH-Life-Agent-Series-11-44 exam: Complete 20-hour state-approved pre-licensing education; minimum age 18; legal resident or authorized to work in US. Eligibility rules can change from time to time, so always confirm the current prerequisites on the official exam page at https://insurance.ohio.gov before you register.
You can register for the Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 through the following official channels:
The OH-Life-Agent-Series-11-44 exam is delivered as In-person at PSI testing centers or online proctored, so review the technical and check-in requirements for that format when you schedule your appointment.
Ohio Department of Insurance recommends the following official training options for the Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44:
Official courses build the theory, and pairing them with the 107 practice questions from Actual4Dumps turns that knowledge into exam-ready answers.
Yes. Actual4Dumps offers a free PDF demo for the Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44, so you can review real sample questions and judge the quality before paying anything. After your purchase, you receive 365 days of free updates — whenever the question pool changes, you get the latest version at no cost. Once that period expires, you can extend your update service at a 50% discount from your member zone.
If you take the OH-Life-Agent-Series-11-44 exam within 60 days of your purchase and do not pass, you can apply for a full refund under our 100% Money Back Guarantee. To qualify, submit a scanned copy of your exam enrollment slip together with your official Score Report (PDF) within 2 days after the exam date, and your claim will be processed within 7 days. Note that the guarantee applies only to the corresponding exam: attempts taken within 3 days of purchase, downloaded-but-unused materials, free resources, and expired orders are not eligible, and the candidate name must match the purchaser name. If you would rather not refund, you can exchange the product for two free exam products of equal value while keeping the update service on your original purchase.
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The Ohio Department of Insurance OHIO Life Insurance Agent Series 11-44 is organized into 7 domains. Among the first ones are Policy Provisions, Options & Riders (22%), Types of Life Insurance Policies (12%), General Insurance Concepts (12%), and the remaining domains cover the rest of the official objectives. For the complete topic breakdown with every subtopic, see the full OH-Life-Agent-Series-11-44 exam outline above on this page.
Question 1
As a form of level premium permanent Insurance, ordinary life Insurance accumulates a reserve that
eventually
A. results In a dividend payment to the policyowner.
B. requires mandatory cash value distributions.
C. ceases to earn interest or grow in a positive earnings direction.
D. equals the face amount of the policy.
Question 2
What is an Insurer's liability when it Is discovered after an Insured dies that the Insured's age on the policy was
misstated?
A. The insurer must pay the full amount as stated in the policy, as age is not considered a relevant factor.
B. The insurer must pay a prorated amount of the policy based on the amount of insurance the insured's
premiums would have been if purchased at the correct age.
C. The insurer is not liable to pay any amount due to the insured's misstatement of age.
D. The insurer must pay the full amount of the policy, minus any additional premiums the Insurance
company would have paid based on the Insured's actual age.
Question 3
After the hearing, if the insurance superintendent has determined a licensee has committed a violation of Ohio
Insurance Laws, what can the insurance superintendent do?
A. suspend the licensee s premium accounts
B. sentence the licensee up to 30 days in jail
C. immediately terminate insurer appointments
D. impose an administrative penalty
Question 4
Which of the following statements BEST describes a single premium cash value policy?
A. It requires the policyowner to pay one premium annually.
B. It waives one future premium if the owner becomes disabled.
C. It provides for only one premium to be paid without evidence of insurability.
D. It requires only one payment to make the policy paid up.
Question 5
A policyowner may choose to have his/her life insurance policy dividends do all of the following EXCEPT
A. reduce the policy premium.
B. accumulate without interest.
C. be paid to the policyowner in cash.
D. purchase additional insurance protection.
Solutions:
| Question 1 Answer: D | Question 2 Answer: B | Question 3 Answer: D | Question 4 Answer: D | Question 5 Answer: B |
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