Ohio Insurance Regulations Practice Questions — Page 7 of 9
450 free Ohio-specific insurance regulation questions for the Ohio Life & Health exam — page 7.
- 301.Under ORC 3923.24, how long may an unmarried dependent child remain covered under a parent's accident and s…Difficulty 1/5OH specific
- 302.Which documents together make up the entire contract for an Ohio life insurance policy?Difficulty 2/5OH specific
- 303.A person who is not licensed as a viatical settlement broker negotiates the sale of a policy on behalf of a…Difficulty 2/5OH specific
- 304.Under ORC 3901.22(G), a consent agreement between the superintendent and an Ohio licensee is best described…Difficulty 3/5OH specific
- 305.Under ORC 3916.01(R), a "viator" is:Difficulty 1/5OH specific
- 306.Under Ohio long-term care rules, what must an insurer do regarding inflation protection at the time of purc…Difficulty 1/5OH specific
- 307.A Columbus insurer's claim files show a repeated pattern: no reasonable standards for prompt investigation …Difficulty 2/5OH specific
- 308.A producer in Dayton meets parents whose children have no health coverage and whose household income is mod…Difficulty 2/5OH specific
- 309.Under ORC 1751.01, nursing services provided through an Ohio health insuring corporation are classified as:Difficulty 1/5OH specific
- 310.A retiring employee in Cincinnati was never told of his group life conversion right. The employer's notice …Difficulty 3/5OH specific
- 311.A Cincinnati applicant wants a new life policy to take effect at an earlier date so the premium will be bas…Difficulty 2/5OH specific
- 312.An insured's policy contains the optional change-of-occupation provision, and he later takes a job in Cinci…Difficulty 2/5OH specific
- 313.Under Ohio's Medicare supplement marketing standards, 'cold lead advertising' is permissible only if the ad…Difficulty 1/5OH specific
- 314.Which statement best describes a living benefit provision or rider in a life insurance policy?Difficulty 1/5OH specific
- 315.A Columbus holding company and an affiliated company are deciding whether their employees may be treated as…Difficulty 3/5OH specific
- 316.Which of the following is a ground for disciplinary action against an Ohio insurance producer under ORC 390…Difficulty 1/5OH specific
- 317.What is the maximum duration of a temporary producer license issued under Ohio law?Difficulty 1/5OH specific
- 318.An investigative consumer (inspection) report used in Ohio insurance underwriting is best described as:Difficulty 1/5OH specific
- 319.An Ohio resident owns an individual annuity contract issued by a member insurer that later fails. What is t…Difficulty 1/5OH specific
- 320.Under Ohio's rules on fees charged by agents, an agent may charge a separate fee for:Difficulty 3/5OH specific
- 321.A Dayton resident bought an individual A&H policy and, without meaning to, gave an age on the application s…Difficulty 2/5OH specific
- 322.An Ohio resident license applicant is completing the criminal records check requirement. Which statement ab…Difficulty 1/5OH specific
- 323.When an application for an Ohio long-term care policy is taken, what must it include to protect the insured…Difficulty 1/5OH specific
- 324.What is the primary purpose of a coordination-of-benefits (COB) provision in an Ohio health policy?Difficulty 2/5OH specific
- 325.A policyholder in Akron designates her daughter to receive notice before her long-term care policy lapses f…Difficulty 3/5OH specific
- 326.Under the reinstatement provision of an Ohio individual sickness and accident policy, what is the effect of…Difficulty 1/5OH specific
- 327.A Youngstown employer asks its benefits advisor how an HIC's prepaid model differs from a traditional indem…Difficulty 2/5OH specific
- 328.The Ohio Department of Insurance mails a licensed producer a written inquiry about a consumer complaint. Un…Difficulty 2/5OH specific
- 329.A defining feature of the HIC model is limited choice of providers. This means that members:Difficulty 1/5OH specific
- 330.An Ohio applicant applies for one Medicare supplement policy, but the issuer ultimately issues a different …Difficulty 2/5OH specific
- 331.In a gatekeeper system used by an HIC, the primary care physician's core role is to:Difficulty 1/5OH specific
- 332.Which renewability provision guarantees the insured both the right to continue coverage and a premium rate …Difficulty 2/5OH specific
- 333.Under the Ohio standard provisions, how are statements made by the applicant in an individual life applicat…Difficulty 1/5OH specific
- 334.Which producer qualifies for an extension of the renewal date under Ohio's inactivity provisions?Difficulty 3/5OH specific
- 335.A travel accident policy is issued for a single short term and labeled nonrenewable. What does the nonrenew…Difficulty 1/5OH specific
- 336.An Ohio long-term care policy pays benefits only after the insured is institutionalized. Under Ohio rules, …Difficulty 2/5OH specific
- 337.Under Ohio insurance law, a health insuring corporation (HIC) is best described as an organization that:Difficulty 1/5OH specific
- 338.Under Ohio's unfair claims settlement practices rules, an insurer that receives notice of a claim must ackn…Difficulty 1/5OH specific
- 339.An Ohio HIC's contract describes its core medical benefits offered to all subscribers, optional additional …Difficulty 3/5OH specific
- 340.A Columbus claims adjuster reports a suspected fraudulent insurance act to the Ohio Department of Insurance…Difficulty 2/5OH specific
- 341.Under ORC 3901.46, an HIV-related test performed in connection with insurance underwriting in Ohio requires:Difficulty 1/5OH specific
- 342.An employer-owned life policy covering a retired Dayton employee is challenged after the employee dies. At …Difficulty 3/5OH specific
- 343.An Ohio resident purchases a life insurance policy on their own life. Under ORC 3911.09(A), which of the fo…Difficulty 1/5OH specific
- 344.Which statement about sources of underwriting information in Ohio is correct?Difficulty 2/5OH specific
- 345.After a divorce, a natural child covered under the father's family health policy lives with the mother in a…Difficulty 3/5OH specific
- 346.Before soliciting or selling Medicare supplement policies in Ohio, an agent must satisfy the state's certif…Difficulty 1/5OH specific
- 347.How does a Medicare SELECT policy differ from a standard Medicare supplement policy sold in Ohio?Difficulty 1/5OH specific
- 348.An insured in Dayton dies 4 years after his individual life policy was issued, having let his last two prem…Difficulty 2/5OH specific
- 349.An Ohio producer is taking an application for long-term care insurance. To satisfy the appropriateness requ…Difficulty 2/5OH specific
- 350.ORC 3905.14(B)(32) sets refund deadlines for Ohio producers, and failing to fulfill a refund obligation tim…Difficulty 3/5OH specific