Free Insurance Regulation Practice Questions
Ohio Personal Lines exam (series 11-43) — 147 practice questions.
Subtopics: Line of authority, Regulatory authority, Examination, Continuing education, CE timing, Rebating, Twisting, Fraud, Fiduciary duty, Appointment, License action, Reporting actions, Rate classifications, Advertising, Nonresident licensing, Privacy, Records and investigations, Enforcement, Appointment filing, Agency authority, When appointment is required, Appointment renewal, Referral fees, Commissions, Cease and desist, Penalty classes, Reporting criminal actions, Hearings, Department inquiries, Disclosure of appointment, Non-insurance products, Civil penalties, Refund obligations, Timely submission, Surrender for cause, Placement without consent, Post-termination conduct, 18 USC 1033, Adverse action notice, Fair Credit Reporting Act, Agent fees, Fraud referral timing, Insurance fraud, Fraud penalties, Fraud reporting immunity, Insurer fraud reporting, Fraud warning, Application after exam, Change of address, License eligibility, Criminal records check, CE credits, CE exemptions, Assumed names, Demographic changes, Business entity license, Renewal extension, Change of home state, Inactive status, Late renewal, Lines of authority, Relocating agents, Prelicensing education, Prelicensing exemptions, Revoked license, Reinstatement, License renewal, License surrender, Temporary license, Unlicensed activity, Appointments, Public adjusters, Privacy notice, Disclosure authorization, Cybersecurity events, Information security program, Rate filing (casualty), Rate filing (property), Rate standards, Retaliatory law, Regulator, Termination notice, Unfair trade practice penalties, Defamation of insurer, Inducements, Pattern settlements, Rebating exceptions, Unfair discrimination, Gramm-Leach-Bliley, Fraud and false statements, Do Not Call, Terrorism Risk Insurance Act, McCarran-Ferguson Act, Anti-money laundering, CAN-SPAM Act, FCRA reporting periods, FCRA adverse action, FCRA permissible purpose, FCRA disputes, Claims history databases, GLBA opt-out, GLBA privacy notice, GLBA enforcement, Prohibited persons (1033), Prohibited persons (1034), Telemarketing calling hours, Do-Not-Call exceptions, Do-Not-Call registry, History of regulation, Risk retention groups, Purchasing groups, Mandatory flood purchase, NFIP origin, Federal Insurance Office, NAIC role, Personal lines authority, Unfair claims practices, Misrepresentation and advertising, Guaranty associations
Read the Insurance Regulation study guide
Sample questions & answers
1. Which policy may an agent holding only an Ohio personal lines license sell?
A homeowners policy for a family
Personal lines authority covers property and casualty insurance sold to individuals and families for noncommercial purposes.
2. Which Ohio official adopts and amends the rules (such as the property and casualty claims rule) needed to carry out Ohio insurance law?
The Superintendent of Insurance
The Superintendent of Insurance adopts, amends and rescinds rules and makes adjudications necessary to discharge the Superintendent's duties.
3. When must an Ohio resident applicant for a personal lines license pass the written licensing exam?
Before applying for the license
A resident individual must take and pass a written examination prior to application for licensure.
4. An Ohio resident personal lines agent must complete how much CE per renewal period?
24 hours, including 3 of ethics
Resident agents must complete at least twenty-four hours of approved CE each renewal period, including three hours of ethics.
Practice: Insurance Regulation
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
