Ohio Insurance Regulations Practice Questions — Page 9 of 9
450 free Ohio-specific insurance regulation questions for the Ohio Life & Health exam — page 9.
- 401.Under Ohio's Medicare supplement standards, the prohibition on excessive insurance means an issuer or agent…Difficulty 1/5OH specific
- 402.A life policy's beneficiary designation includes a spendthrift clause, and the beneficiary owes significant…Difficulty 3/5OH specific
- 403.Under ORC 3901.21(G)(2), which advertising practice is prohibited for an Ohio insurer or producer?Difficulty 1/5OH specific
- 404.An Ohio agent uses a compliant life insurance illustration, prepared under OAC 3901-6-04, when presenting a…Difficulty 2/5OH specific
- 405.Under ORC 1751.01(A), 'basic health services' are best described as:Difficulty 1/5OH specific
- 406.An Ohio applicant applies for a life policy whose guaranteed level death benefit does not exceed $5,000. Un…Difficulty 1/5OH specific
- 407.For an Ohio Medicare supplement policy, what is the maximum period following the effective date during whic…Difficulty 1/5OH specific
- 408.How does a return-of-premium feature on a term life policy operate?Difficulty 1/5OH specific
- 409.What is the maximum total amount the Ohio Life and Health Insurance Guaranty Association is obligated to ex…Difficulty 1/5OH specific
- 410.Under ORC 3916.02, what must a person obtain before selling, soliciting, or negotiating viatical settlement…Difficulty 1/5OH specific
- 411.A Cincinnati policyowner designates 'my children' as a class of beneficiaries without listing names or perc…Difficulty 2/5OH specific
- 412.Under ORC 3901.21(B), which of the following constitutes false advertising in the business of insurance?Difficulty 1/5OH specific
- 413.Which of the following is included among the basic health services an Ohio HIC must provide under ORC 1751.…Difficulty 2/5OH specific
- 414.An Ohio issuer appoints a new agent to sell its Medicare supplement products. As part of the certification …Difficulty 2/5OH specific
- 415.Under ORC 3901.221 and ORC 3905.14(H), who may issue a cease-and-desist order to stop an unfair or deceptiv…Difficulty 1/5OH specific
- 416.An Ohio candidate has just passed the required licensing examination. Within what period must the candidate…Difficulty 1/5OH specific
- 417.A draft HIC contract in Ohio omits preventive care and urgent care from its list of offered core benefits i…Difficulty 2/5OH specific
- 418.A retired teacher in Columbus with moderate savings is deciding between buying long-term care insurance and…Difficulty 2/5OH specific
- 419.Under the optional expense-incurred benefits provision of an individual A&H policy, benefits are payable on…Difficulty 1/5OH specific
- 420.An insurer in Akron has decided to stop renewing an individual sickness and accident policy when the curren…Difficulty 2/5OH specific
- 421.Under Ohio law, the Superintendent's authority to examine the books and records of insurers transacting bus…Difficulty 1/5OH specific
- 422.Under Ohio insurance law, an insurance company is regarded as insolvent when it:Difficulty 1/5OH specific
- 423.A Youngstown worker converts his terminated group life coverage into an individual policy. Which statement …Difficulty 2/5OH specific
- 424.In the absence of fraud, statements made by an applicant in a life insurance application are treated in Ohi…Difficulty 1/5OH specific
- 425.After purchasing a viatically settled policy, what position does the provider occupy under Ohio law (ORC 39…Difficulty 2/5OH specific
- 426.Under ORC 1751.01, home health services delivered to a member of an Ohio health insuring corporation are cl…Difficulty 1/5OH specific
- 427.An insured is injured in an accident caused by a negligent driver. Her Ohio A&H insurer pays her medical be…Difficulty 2/5OH specific
- 428.After a policyholder furnishes the initial proof that a disabled dependent child cannot sustain employment,…Difficulty 1/5OH specific
- 429.In the context of health insuring corporations (HICs), what is meant by a 'limited service area'?Difficulty 1/5OH specific
- 430.An insurer in Dayton is underwriting an application for long-term care insurance. Under Ohio's framework, w…Difficulty 2/5OH specific
- 431.An Ohio individual A&H policy contains a provision that conflicts with a statute of this state. Under the o…Difficulty 2/5OH specific
- 432.In a viatical settlement under Ohio law, which party purchases the policy and becomes its new owner?Difficulty 1/5OH specific
- 433.An Ohio long-term care policy lapsed for nonpayment. The insured's family demonstrates that the insured was…Difficulty 3/5OH specific
- 434.An insurer prefers to satisfy the divisible-surplus rule by including a cash-dividend right in its particip…Difficulty 3/5OH specific
- 435.A producer in Youngstown replaces an insured's existing group long-term care certificate with an individual…Difficulty 2/5OH specific
- 436.Under ORC 3901.21(M), a life insurer may not discriminate in rates, dividends, benefits, or terms of the co…Difficulty 1/5OH specific
- 437.Under Ohio law, an insurer underwriting an individual sickness and accident policy may:Difficulty 1/5OH specific
- 438.Which Ohio viatical scenario is lawful?Difficulty 2/5OH specific
- 439.An Ohio long-term care policy issued to a Canton resident excludes losses from a preexisting condition. Und…Difficulty 2/5OH specific
- 440.Under Ohio's adopted-children provisions, how must an adopted child be treated for health-coverage purposes…Difficulty 2/5OH specific
- 441.A life insurance policy includes a long-term care rider. Under what condition does the rider begin paying b…Difficulty 2/5OH specific
- 442.Under an Ohio individual sickness and accident policy, when must the insurer pay a non-periodic indemnity a…Difficulty 1/5OH specific
- 443.A Columbus resident solicits and negotiates an accident and health policy for compensation without ever obt…Difficulty 3/5OH specific
- 444.After knee surgery, a member of a Canton health insuring corporation receives physical therapy. The member …Difficulty 2/5OH specific
- 445.Which advertising practice is prohibited under Ohio's long-term care marketing rules?Difficulty 1/5OH specific
- 446.A Toledo employee enrolled in an HIC asks how her medical care will actually be organized. Which descriptio…Difficulty 2/5OH specific
- 447.An Ohio issuer structures its Medicare supplement producer commissions so agents earn substantially less wh…Difficulty 2/5OH specific
- 448.Which of the following licensees is exempt from Ohio's continuing education requirement?Difficulty 2/5OH specific
- 449.An Ohio applicant is buying a life policy from a licensed agent in the ordinary way — no unconditional refu…Difficulty 1/5OH specific
- 450.An Ohio producer is charged in a criminal prosecution, other than a misdemeanor traffic offense. The produc…Difficulty 1/5OH specific