Ohio Insurance Regulations Practice Questions
450 free Ohio-specific insurance regulation questions — licensing rules, replacement regulations, unfair practices, and OH insurance code duties tested on the Ohio Life & Health exam. Nationally applicable material lives in the other domains.
- 1.Preventive care services, which fall within an HIC's basic health services under ORC 1751.01(A), are design…Difficulty 1/5OH specific
- 2.Which statement best describes how assisted living care relates to long-term care insurance coverage in Ohio?Difficulty 1/5OH specific
- 3.An Ohio insurer wants to share an applicant's personal information with an unrelated marketing firm for pro…Difficulty 2/5OH specific
- 4.An Ohio licensee is criminally prosecuted in another jurisdiction for an offense other than a misdemeanor t…Difficulty 2/5OH specific
- 5.A human resources manager in Columbus compares two health arrangements: Plan X simply reimburses providers …Difficulty 2/5OH specific
- 6.A Cincinnati agent offers a prospective client a cash rebate of part of the first-year premium as an induce…Difficulty 1/5OH specific
- 7.An individual life policy issued in Ohio requires quarterly premiums. What grace period must the policy pro…Difficulty 1/5OH specific
- 8.An Ohio life insurer markets a policy entirely by mail and internet, with no agent involvement — a direct-r…Difficulty 2/5OH specific
- 9.An Ohio producer's license is surrendered for cause as part of a disciplinary resolution. Under ORC 3905.14…Difficulty 1/5OH specific
- 10.In the coverage structure ORC 1751.01 defines for an Ohio health insuring corporation, which pairing of ser…Difficulty 1/5OH specific
- 11.A Columbus insured holds individual A&H policies with two different insurers, and each policy contains the …Difficulty 2/5OH specific
- 12.An Akron manufacturer employed an average of 51 eligible employees on business days during the preceding ca…Difficulty 2/5OH specific
- 13.An Ohio resident's Medicare supplement coverage was terminated involuntarily, and guaranteed issue rights b…Difficulty 1/5OH specific
- 14.A member receives written notice that her plan has denied a requested treatment as not medically necessary.…Difficulty 2/5OH specific
- 15.Under ORC 3924.04, a small employer's premium rate in Ohio must:Difficulty 2/5OH specific
- 16.Under Ohio law, which statute sets out the rights of members of a health insuring corporation?Difficulty 1/5OH specific
- 17.A Columbus employee's HIC plan requires her to pay a set dollar amount at the time of each physician office…Difficulty 2/5OH specific
- 18.Under Ohio's viatical settlement law, which party is the "viator" in a viatical settlement transaction?Difficulty 1/5OH specific
- 19.Under Ohio law, when must an issuer file a Medicare supplement advertisement intended for use in this state…Difficulty 1/5OH specific
- 20.Which of the following is custodial care?Difficulty 1/5OH specific
- 21.An Ohio insurer willfully violates a cease-and-desist order that is in effect. In a court action under ORC …Difficulty 1/5OH specific
- 22.An Ohio policyowner replaces an existing life policy with a new one. Under OAC 3901-6-05, the replacing ins…Difficulty 2/5OH specific
- 23.An Ohio issuer wants to add an extra benefit to a Medicare supplement policy beyond its standard package. U…Difficulty 2/5OH specific
- 24.An insured in Akron disputes the scope of her A&H coverage, and the insurer points to the insuring clause. …Difficulty 2/5OH specific
- 25.An Ohio long-term care policy takes effect on March 1. The insured was treated for a back condition 2 month…Difficulty 3/5OH specific
- 26.Under ORC 3999.21, which documents must clearly contain a warning that submitting a false or deceptive stat…Difficulty 1/5OH specific
- 27.Under Ohio's state continuation coverage law, for how long may an eligible employee continue group hospital…Difficulty 1/5OH specific
- 28.An issuer designs its Medicare supplement marketing so that producers receive a reduced commission on appli…Difficulty 2/5OH specific
- 29.A Toledo applicant reviews a long-term care policy but decides against adding inflation protection. How may…Difficulty 2/5OH specific
- 30.An Ohio producer is completing an insurance application with a prospective insured. Which practice is proper?Difficulty 2/5OH specific
- 31.For individual life policies issued on or after April 1, 1982, the maximum fixed annual interest rate an Oh…Difficulty 1/5OH specific
- 32.Under Ohio's annuity suitability rule, what constitutes a 'material conflict of interest' for a producer re…Difficulty 3/5OH specific
- 33.An individual sickness and accident policy has been in force for more than 2 years. Under Ohio's time limit…Difficulty 1/5OH specific
- 34.An Ohio long-term care policy pays benefits only after the insured is institutionalized. Under ORC 3923.44,…Difficulty 1/5OH specific
- 35.An employee declines coverage during open enrollment and asks to join the small-employer plan mid-year. Und…Difficulty 2/5OH specific
- 36.A Dayton producer wants to renew well ahead of the deadline. Which statement about early renewal and remind…Difficulty 2/5OH specific
- 37.An Ohio disability income policy is guaranteed renewable. Which statement correctly describes the insurer's…Difficulty 2/5OH specific
- 38.An Ohio annuity owner's insurer becomes insolvent. Under the Ohio Life and Health Insurance Guaranty Associ…Difficulty 1/5OH specific
- 39.Under ORC 3905.55, which requirement applies to a fee an Ohio producer charges a consumer in addition to th…Difficulty 1/5OH specific
- 40.An Ohio applicant signs a life insurance application authorizing a routine paramedical examination and bloo…Difficulty 3/5OH specific
- 41.A viatical settlement provider circulates print advertisements aimed at Ohio policy owners. Which Ohio auth…Difficulty 1/5OH specific
- 42.What is the effect of naming a trust as the beneficiary of a life insurance policy?Difficulty 1/5OH specific
- 43.A health insuring corporation prepares the written materials it will use to solicit new members in Akron. U…Difficulty 2/5OH specific
- 44.A policyholder's unmarried son turns the limiting age of 26, lives with the parent, and is entirely support…Difficulty 2/5OH specific
- 45.A Columbus small employer asks its carrier why its premium differs from a similar employer down the street.…Difficulty 2/5OH specific
- 46.The superintendent notifies an Ohio producer of a delinquent state tax assessment through an official notic…Difficulty 2/5OH specific
- 47.A life insurer drafts a provision limiting the insured's right to commence an action at law or in equity af…Difficulty 2/5OH specific
- 48.An Akron health insuring corporation includes dental care in its contract. A trainee producer tells an appl…Difficulty 2/5OH specific
- 49.A beneficiary in Cleveland submits due proof of death on her father's individual life policy. Under the Ohi…Difficulty 1/5OH specific
- 50.An insured in Cincinnati furnished written proof of loss, waited out the required pre-suit period, and is n…Difficulty 2/5OH specific