{"id":86937,"date":"2024-08-24T03:12:10","date_gmt":"2024-08-24T03:12:10","guid":{"rendered":"https:\/\/www.dumpsbase.com\/freedumps\/?p=86937"},"modified":"2024-08-24T03:12:16","modified_gmt":"2024-08-24T03:12:16","slug":"true-life-agent-series-11-44-dumps-v8-02-for-right-ohio-life-insurance-agent-series-11-44-exam-preparation","status":"publish","type":"post","link":"https:\/\/www.dumpsbase.com\/freedumps\/true-life-agent-series-11-44-dumps-v8-02-for-right-ohio-life-insurance-agent-series-11-44-exam-preparation.html","title":{"rendered":"True Life Agent Series 11-44 Dumps (V8.02) for Right OHIO Life Insurance Agent Series 11-44 Exam Preparation"},"content":{"rendered":"\n<p>To ensure you achieve success in the OHIO Life Insurance Agent Series 11-44 exam, you can choose the true Life Agent Series 11-44 dumps from DumpsBase. We have 105 practice exam questions and answers to help you pass the actual exam on the first attempt. For your convenience, we offer the Life Agent Series 11-44 dumps in PDF format, helping you practice all the right exam questions and answers to clarify any confusing concepts. Our experts have created detailed Life Agent Series 11-44 questions and answers to assist you in mastering the OHIO Life Insurance Agent Series 11-44 exam on your first attempt. To improve your performance, download the Life Agent Series 11-44 exam dumps pdf file and focus on thorough preparation. With the help of DumpsBase\u2019s Life Agent Series 11-44 dumps, you&#8217;ll be well-equipped to prepare for the OHIO Life Insurance Agent Series 11\u201344 exam and achieve top scores.<\/p>\n<h2><span style=\"background-color: #00ffff;\"><em>Life Agent Series 11-44 Free Dumps Below<\/em><\/span> to Help You Check the Dumps<\/h2>\n<script>\n\t  window.fbAsyncInit = function() {\n\t    FB.init({\n\t      appId            : '622169541470367',\n\t      autoLogAppEvents : true,\n\t      xfbml            : true,\n\t      version          : 'v3.1'\n\t    });\n\t  };\n\t\n\t  (function(d, s, id){\n\t     var js, fjs = d.getElementsByTagName(s)[0];\n\t     if (d.getElementById(id)) {return;}\n\t     js = d.createElement(s); js.id = id;\n\t     js.src = \"https:\/\/connect.facebook.net\/en_US\/sdk.js\";\n\t     fjs.parentNode.insertBefore(js, fjs);\n\t   }(document, 'script', 'facebook-jssdk'));\n\t<\/script><script type=\"text\/javascript\" >\ndocument.addEventListener(\"DOMContentLoaded\", function(event) { \nif(!window.jQuery) alert(\"The important jQuery library is not properly loaded in your site. Your WordPress theme is probably missing the essential wp_head() call. You can switch to another theme and you will see that the plugin works fine and this notice disappears. If you are still not sure what to do you can contact us for help.\");\n});\n<\/script>  \n  \n<div  id=\"watupro_quiz\" class=\"quiz-area single-page-quiz\">\n<p id=\"submittingExam8303\" style=\"display:none;text-align:center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\"><\/p>\n\n<div class=\"watupro-exam-description\" id=\"description-quiz-8303\"><\/div>\n\n<form action=\"\" method=\"post\" class=\"quiz-form\" id=\"quiz-8303\"  enctype=\"multipart\/form-data\" >\n<div class='watu-question ' id='question-1' style=';'><div id='questionWrap-1'  class='   watupro-question-id-316576'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>1. <\/span>Which of the following is a provision in an interest-sensitive life policy which allows the policyowner to withdraw the policy's cash value Interest free?<\/div><input type='hidden' name='question_id[]' id='qID_1' value='316576' \/><input type='hidden' id='answerType316576' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316576[]' id='answer-id-1239079' class='answer   answerof-316576 ' value='1239079'   \/><label for='answer-id-1239079' id='answer-label-1239079' class=' answer'><span>Partial Surrender.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316576[]' id='answer-id-1239080' class='answer   answerof-316576 ' value='1239080'   \/><label for='answer-id-1239080' id='answer-label-1239080' class=' answer'><span>Automatic Premium Loan.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316576[]' id='answer-id-1239081' class='answer   answerof-316576 ' value='1239081'   \/><label for='answer-id-1239081' id='answer-label-1239081' class=' answer'><span>Waiver of Premium.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316576[]' id='answer-id-1239082' class='answer   answerof-316576 ' value='1239082'   \/><label for='answer-id-1239082' id='answer-label-1239082' class=' answer'><span>Spendthrift Clause.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-2' style=';'><div id='questionWrap-2'  class='   watupro-question-id-316577'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>2. <\/span>The proposed insured's statements on a life insurance application are considered to be<\/div><input type='hidden' name='question_id[]' id='qID_2' value='316577' \/><input type='hidden' id='answerType316577' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316577[]' id='answer-id-1239083' class='answer   answerof-316577 ' value='1239083'   \/><label for='answer-id-1239083' id='answer-label-1239083' class=' answer'><span>absolute statements.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316577[]' id='answer-id-1239084' class='answer   answerof-316577 ' value='1239084'   \/><label for='answer-id-1239084' id='answer-label-1239084' class=' answer'><span>misrepresentations.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316577[]' id='answer-id-1239085' class='answer   answerof-316577 ' value='1239085'   \/><label for='answer-id-1239085' id='answer-label-1239085' class=' answer'><span>representations.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316577[]' id='answer-id-1239086' class='answer   answerof-316577 ' value='1239086'   \/><label for='answer-id-1239086' id='answer-label-1239086' class=' answer'><span>warranties.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-3' style=';'><div id='questionWrap-3'  class='   watupro-question-id-316578'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>3. <\/span>In Ohio, an agent must be appointed by the Insurer within how many days from the date the agency contract Is executed, or the first Insurance application Is submitted?<\/div><input type='hidden' name='question_id[]' id='qID_3' value='316578' \/><input type='hidden' id='answerType316578' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316578[]' id='answer-id-1239087' class='answer   answerof-316578 ' value='1239087'   \/><label for='answer-id-1239087' id='answer-label-1239087' class=' answer'><span>10<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316578[]' id='answer-id-1239088' class='answer   answerof-316578 ' value='1239088'   \/><label for='answer-id-1239088' id='answer-label-1239088' class=' answer'><span>15<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316578[]' id='answer-id-1239089' class='answer   answerof-316578 ' value='1239089'   \/><label for='answer-id-1239089' id='answer-label-1239089' class=' answer'><span>20<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316578[]' id='answer-id-1239090' class='answer   answerof-316578 ' value='1239090'   \/><label for='answer-id-1239090' id='answer-label-1239090' class=' answer'><span>30<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-4' style=';'><div id='questionWrap-4'  class='   watupro-question-id-316579'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>4. <\/span>An insured wants to purchase a policy with three key elements: flexible premium, death benefit, and the choice of mutual funds where the cash value will be Invested In a separate account. The Insured should purchase<\/div><input type='hidden' name='question_id[]' id='qID_4' value='316579' \/><input type='hidden' id='answerType316579' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316579[]' id='answer-id-1239091' class='answer   answerof-316579 ' value='1239091'   \/><label for='answer-id-1239091' id='answer-label-1239091' class=' answer'><span>universal life.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316579[]' id='answer-id-1239092' class='answer   answerof-316579 ' value='1239092'   \/><label for='answer-id-1239092' id='answer-label-1239092' class=' answer'><span>adjustable life.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316579[]' id='answer-id-1239093' class='answer   answerof-316579 ' value='1239093'   \/><label for='answer-id-1239093' id='answer-label-1239093' class=' answer'><span>variable universal life.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316579[]' id='answer-id-1239094' class='answer   answerof-316579 ' value='1239094'   \/><label for='answer-id-1239094' id='answer-label-1239094' class=' answer'><span>graded premium whole life.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-5' style=';'><div id='questionWrap-5'  class='   watupro-question-id-316580'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>5. <\/span>Contributions made to a Roth IRA are<\/div><input type='hidden' name='question_id[]' id='qID_5' value='316580' \/><input type='hidden' id='answerType316580' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316580[]' id='answer-id-1239095' class='answer   answerof-316580 ' value='1239095'   \/><label for='answer-id-1239095' id='answer-label-1239095' class=' answer'><span>partially tax deductible.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316580[]' id='answer-id-1239096' class='answer   answerof-316580 ' value='1239096'   \/><label for='answer-id-1239096' id='answer-label-1239096' class=' answer'><span>not tax deductible.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316580[]' id='answer-id-1239097' class='answer   answerof-316580 ' value='1239097'   \/><label for='answer-id-1239097' id='answer-label-1239097' class=' answer'><span>only tax deductible at age 50 or older.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316580[]' id='answer-id-1239098' class='answer   answerof-316580 ' value='1239098'   \/><label for='answer-id-1239098' id='answer-label-1239098' class=' answer'><span>tax deductible at retirement.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-6' style=';'><div id='questionWrap-6'  class='   watupro-question-id-316581'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>6. <\/span>Statements by an applicant concerning personal health history, family health history, occupation, and hobbies are referred to as<\/div><input type='hidden' name='question_id[]' id='qID_6' value='316581' \/><input type='hidden' id='answerType316581' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316581[]' id='answer-id-1239099' class='answer   answerof-316581 ' value='1239099'   \/><label for='answer-id-1239099' id='answer-label-1239099' class=' answer'><span>depictions.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316581[]' id='answer-id-1239100' class='answer   answerof-316581 ' value='1239100'   \/><label for='answer-id-1239100' id='answer-label-1239100' class=' answer'><span>certifications.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316581[]' id='answer-id-1239101' class='answer   answerof-316581 ' value='1239101'   \/><label for='answer-id-1239101' id='answer-label-1239101' class=' answer'><span>representations.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316581[]' id='answer-id-1239102' class='answer   answerof-316581 ' value='1239102'   \/><label for='answer-id-1239102' id='answer-label-1239102' class=' answer'><span>personal characteristics.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-7' style=';'><div id='questionWrap-7'  class='   watupro-question-id-316582'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>7. <\/span>Under what circumstances must an agent provide his or her business records to the superintendent of Insurance?<\/div><input type='hidden' name='question_id[]' id='qID_7' value='316582' \/><input type='hidden' id='answerType316582' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316582[]' id='answer-id-1239103' class='answer   answerof-316582 ' value='1239103'   \/><label for='answer-id-1239103' id='answer-label-1239103' class=' answer'><span>upon request of an insured<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316582[]' id='answer-id-1239104' class='answer   answerof-316582 ' value='1239104'   \/><label for='answer-id-1239104' id='answer-label-1239104' class=' answer'><span>upon request of the superintendent<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316582[]' id='answer-id-1239105' class='answer   answerof-316582 ' value='1239105'   \/><label for='answer-id-1239105' id='answer-label-1239105' class=' answer'><span>under no circumstances due to privacy consideration<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316582[]' id='answer-id-1239106' class='answer   answerof-316582 ' value='1239106'   \/><label for='answer-id-1239106' id='answer-label-1239106' class=' answer'><span>by authorization from the National Association of Insurance Commissioners (NAIC)<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-8' style=';'><div id='questionWrap-8'  class='   watupro-question-id-316583'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>8. <\/span>What does a limited payment whole life policy provide?<\/div><input type='hidden' name='question_id[]' id='qID_8' value='316583' \/><input type='hidden' id='answerType316583' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316583[]' id='answer-id-1239107' class='answer   answerof-316583 ' value='1239107'   \/><label for='answer-id-1239107' id='answer-label-1239107' class=' answer'><span>Protection to age 65.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316583[]' id='answer-id-1239108' class='answer   answerof-316583 ' value='1239108'   \/><label for='answer-id-1239108' id='answer-label-1239108' class=' answer'><span>Life time protection.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316583[]' id='answer-id-1239109' class='answer   answerof-316583 ' value='1239109'   \/><label for='answer-id-1239109' id='answer-label-1239109' class=' answer'><span>A lower premium.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316583[]' id='answer-id-1239110' class='answer   answerof-316583 ' value='1239110'   \/><label for='answer-id-1239110' id='answer-label-1239110' class=' answer'><span>Pure protection.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-9' style=';'><div id='questionWrap-9'  class='   watupro-question-id-316584'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>9. <\/span>Each of the following are characteristics of a fixed annuity contract EXCEPT<\/div><input type='hidden' name='question_id[]' id='qID_9' value='316584' \/><input type='hidden' id='answerType316584' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316584[]' id='answer-id-1239111' class='answer   answerof-316584 ' value='1239111'   \/><label for='answer-id-1239111' id='answer-label-1239111' class=' answer'><span>funds are Invested in a separate account.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316584[]' id='answer-id-1239112' class='answer   answerof-316584 ' value='1239112'   \/><label for='answer-id-1239112' id='answer-label-1239112' class=' answer'><span>the minimum interest rate is guaranteed in the contract.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316584[]' id='answer-id-1239113' class='answer   answerof-316584 ' value='1239113'   \/><label for='answer-id-1239113' id='answer-label-1239113' class=' answer'><span>benefit payments remain level.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316584[]' id='answer-id-1239114' class='answer   answerof-316584 ' value='1239114'   \/><label for='answer-id-1239114' id='answer-label-1239114' class=' answer'><span>it may be sold as an immediate or deferred annuity.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-10' style=';'><div id='questionWrap-10'  class='   watupro-question-id-316585'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>10. <\/span>A policyowner may not pay premiums with which frequency?<\/div><input type='hidden' name='question_id[]' id='qID_10' value='316585' \/><input type='hidden' id='answerType316585' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316585[]' id='answer-id-1239115' class='answer   answerof-316585 ' value='1239115'   \/><label for='answer-id-1239115' id='answer-label-1239115' class=' answer'><span>Bi-weekly<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316585[]' id='answer-id-1239116' class='answer   answerof-316585 ' value='1239116'   \/><label for='answer-id-1239116' id='answer-label-1239116' class=' answer'><span>Monthly<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316585[]' id='answer-id-1239117' class='answer   answerof-316585 ' value='1239117'   \/><label for='answer-id-1239117' id='answer-label-1239117' class=' answer'><span>Quarterly<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316585[]' id='answer-id-1239118' class='answer   answerof-316585 ' value='1239118'   \/><label for='answer-id-1239118' id='answer-label-1239118' class=' answer'><span>Semi-annually<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-11' style=';'><div id='questionWrap-11'  class='   watupro-question-id-316586'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>11. <\/span>After a request has been received for verification of coverage from a viatical settlement provider, an insurance company authorized to do business shall respond within:<\/div><input type='hidden' name='question_id[]' id='qID_11' value='316586' \/><input type='hidden' id='answerType316586' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316586[]' id='answer-id-1239119' class='answer   answerof-316586 ' value='1239119'   \/><label for='answer-id-1239119' id='answer-label-1239119' class=' answer'><span>30 calendar days<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316586[]' id='answer-id-1239120' class='answer   answerof-316586 ' value='1239120'   \/><label for='answer-id-1239120' id='answer-label-1239120' class=' answer'><span>45 calendar days<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316586[]' id='answer-id-1239121' class='answer   answerof-316586 ' value='1239121'   \/><label for='answer-id-1239121' id='answer-label-1239121' class=' answer'><span>60 calendar days<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316586[]' id='answer-id-1239122' class='answer   answerof-316586 ' value='1239122'   \/><label for='answer-id-1239122' id='answer-label-1239122' class=' answer'><span>90 calendar days<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-12' style=';'><div id='questionWrap-12'  class='   watupro-question-id-316587'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>12. <\/span>An agent's actions or deeds demonstrate what kind of authority?<\/div><input type='hidden' name='question_id[]' id='qID_12' value='316587' \/><input type='hidden' id='answerType316587' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316587[]' id='answer-id-1239123' class='answer   answerof-316587 ' value='1239123'   \/><label for='answer-id-1239123' id='answer-label-1239123' class=' answer'><span>apparent<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316587[]' id='answer-id-1239124' class='answer   answerof-316587 ' value='1239124'   \/><label for='answer-id-1239124' id='answer-label-1239124' class=' answer'><span>delegated<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316587[]' id='answer-id-1239125' class='answer   answerof-316587 ' value='1239125'   \/><label for='answer-id-1239125' id='answer-label-1239125' class=' answer'><span>express<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316587[]' id='answer-id-1239126' class='answer   answerof-316587 ' value='1239126'   \/><label for='answer-id-1239126' id='answer-label-1239126' class=' answer'><span>inherent<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-13' style=';'><div id='questionWrap-13'  class='   watupro-question-id-316588'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>13. <\/span>An insured owns a whole life insurance policy on himself. He would also like coverage for his minor son and\/or daughter. One way the Insured can accomplish this goal Is to purchase a<\/div><input type='hidden' name='question_id[]' id='qID_13' value='316588' \/><input type='hidden' id='answerType316588' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316588[]' id='answer-id-1239127' class='answer   answerof-316588 ' value='1239127'   \/><label for='answer-id-1239127' id='answer-label-1239127' class=' answer'><span>child term rider.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316588[]' id='answer-id-1239128' class='answer   answerof-316588 ' value='1239128'   \/><label for='answer-id-1239128' id='answer-label-1239128' class=' answer'><span>family income rider.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316588[]' id='answer-id-1239129' class='answer   answerof-316588 ' value='1239129'   \/><label for='answer-id-1239129' id='answer-label-1239129' class=' answer'><span>famitp maintenance rider.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316588[]' id='answer-id-1239130' class='answer   answerof-316588 ' value='1239130'   \/><label for='answer-id-1239130' id='answer-label-1239130' class=' answer'><span>guaranteed insurability rider.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-14' style=';'><div id='questionWrap-14'  class='   watupro-question-id-316589'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>14. <\/span>Under the children's term rider, what occurs when a child reaches the specified age? He or she<\/div><input type='hidden' name='question_id[]' id='qID_14' value='316589' \/><input type='hidden' id='answerType316589' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316589[]' id='answer-id-1239131' class='answer   answerof-316589 ' value='1239131'   \/><label for='answer-id-1239131' id='answer-label-1239131' class=' answer'><span>automatically becomes the beneficiary of the life insurance policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316589[]' id='answer-id-1239132' class='answer   answerof-316589 ' value='1239132'   \/><label for='answer-id-1239132' id='answer-label-1239132' class=' answer'><span>must show evidence of insurability to remain covered.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316589[]' id='answer-id-1239133' class='answer   answerof-316589 ' value='1239133'   \/><label for='answer-id-1239133' id='answer-label-1239133' class=' answer'><span>may Increase the term coverage of the rider.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316589[]' id='answer-id-1239134' class='answer   answerof-316589 ' value='1239134'   \/><label for='answer-id-1239134' id='answer-label-1239134' class=' answer'><span>is eliminated from coverage.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-15' style=';'><div id='questionWrap-15'  class='   watupro-question-id-316590'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>15. <\/span>Insurers do business in Ohio only after a thorough financial review. Most insurance policies written in Ohio are protected by the Guaranty Association established to protect policy owners In the event an admitted company<\/div><input type='hidden' name='question_id[]' id='qID_15' value='316590' \/><input type='hidden' id='answerType316590' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316590[]' id='answer-id-1239135' class='answer   answerof-316590 ' value='1239135'   \/><label for='answer-id-1239135' id='answer-label-1239135' class=' answer'><span>cannot meet it's capital surplus requirements.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316590[]' id='answer-id-1239136' class='answer   answerof-316590 ' value='1239136'   \/><label for='answer-id-1239136' id='answer-label-1239136' class=' answer'><span>merges with a foreign insurer.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316590[]' id='answer-id-1239137' class='answer   answerof-316590 ' value='1239137'   \/><label for='answer-id-1239137' id='answer-label-1239137' class=' answer'><span>becomes financially insolvent.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316590[]' id='answer-id-1239138' class='answer   answerof-316590 ' value='1239138'   \/><label for='answer-id-1239138' id='answer-label-1239138' class=' answer'><span>depletes its loss reserves.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-16' style=';'><div id='questionWrap-16'  class='   watupro-question-id-316591'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>16. <\/span>An Insurer would consider which of the following In determining whether to accept a group life plan?<\/div><input type='hidden' name='question_id[]' id='qID_16' value='316591' \/><input type='hidden' id='answerType316591' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316591[]' id='answer-id-1239139' class='answer   answerof-316591 ' value='1239139'   \/><label for='answer-id-1239139' id='answer-label-1239139' class=' answer'><span>Grace period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316591[]' id='answer-id-1239140' class='answer   answerof-316591 ' value='1239140'   \/><label for='answer-id-1239140' id='answer-label-1239140' class=' answer'><span>Beneficiary<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316591[]' id='answer-id-1239141' class='answer   answerof-316591 ' value='1239141'   \/><label for='answer-id-1239141' id='answer-label-1239141' class=' answer'><span>Average age<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316591[]' id='answer-id-1239142' class='answer   answerof-316591 ' value='1239142'   \/><label for='answer-id-1239142' id='answer-label-1239142' class=' answer'><span>Dependents<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-17' style=';'><div id='questionWrap-17'  class='   watupro-question-id-316592'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>17. <\/span>Under an executive bonus plan, premiums paid by the employer are<\/div><input type='hidden' name='question_id[]' id='qID_17' value='316592' \/><input type='hidden' id='answerType316592' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316592[]' id='answer-id-1239143' class='answer   answerof-316592 ' value='1239143'   \/><label for='answer-id-1239143' id='answer-label-1239143' class=' answer'><span>reported as taxable income to the employee.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316592[]' id='answer-id-1239144' class='answer   answerof-316592 ' value='1239144'   \/><label for='answer-id-1239144' id='answer-label-1239144' class=' answer'><span>tax deductible to both the employee and employer.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316592[]' id='answer-id-1239145' class='answer   answerof-316592 ' value='1239145'   \/><label for='answer-id-1239145' id='answer-label-1239145' class=' answer'><span>reported as taxable Income to the employer.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316592[]' id='answer-id-1239146' class='answer   answerof-316592 ' value='1239146'   \/><label for='answer-id-1239146' id='answer-label-1239146' class=' answer'><span>only tax deductible when the bonus is an insurance plan.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-18' style=';'><div id='questionWrap-18'  class='   watupro-question-id-316593'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>18. <\/span>Upon the divorce of an insured who designated their spouse as the beneficiary, which of the following actions will result?<\/div><input type='hidden' name='question_id[]' id='qID_18' value='316593' \/><input type='hidden' id='answerType316593' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316593[]' id='answer-id-1239147' class='answer   answerof-316593 ' value='1239147'   \/><label for='answer-id-1239147' id='answer-label-1239147' class=' answer'><span>the insured must pay 50% of the premiums paid to the spouse named as the beneficiary<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316593[]' id='answer-id-1239148' class='answer   answerof-316593 ' value='1239148'   \/><label for='answer-id-1239148' id='answer-label-1239148' class=' answer'><span>the spouse designated as beneficiary will remain an irrevocable beneficiary<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316593[]' id='answer-id-1239149' class='answer   answerof-316593 ' value='1239149'   \/><label for='answer-id-1239149' id='answer-label-1239149' class=' answer'><span>the designation of the spouse as a beneficiary is revoked<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316593[]' id='answer-id-1239150' class='answer   answerof-316593 ' value='1239150'   \/><label for='answer-id-1239150' id='answer-label-1239150' class=' answer'><span>the policy will automatically be terminated<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-19' style=';'><div id='questionWrap-19'  class='   watupro-question-id-316594'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>19. <\/span>It is unlawful for a person to provide an advertisement which<\/div><input type='hidden' name='question_id[]' id='qID_19' value='316594' \/><input type='hidden' id='answerType316594' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316594[]' id='answer-id-1239151' class='answer   answerof-316594 ' value='1239151'   \/><label for='answer-id-1239151' id='answer-label-1239151' class=' answer'><span>uses a testimonial.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316594[]' id='answer-id-1239152' class='answer   answerof-316594 ' value='1239152'   \/><label for='answer-id-1239152' id='answer-label-1239152' class=' answer'><span>refers to the insurer's financial rating.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316594[]' id='answer-id-1239153' class='answer   answerof-316594 ' value='1239153'   \/><label for='answer-id-1239153' id='answer-label-1239153' class=' answer'><span>points out coverage advantages of a policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316594[]' id='answer-id-1239154' class='answer   answerof-316594 ' value='1239154'   \/><label for='answer-id-1239154' id='answer-label-1239154' class=' answer'><span>uses a policy title to inaccurately describe a coverage.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-20' style=';'><div id='questionWrap-20'  class='   watupro-question-id-316595'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>20. <\/span>While texting and driving, an Insured loses control of the vehicle and hits a tree. The resulting collision Is<\/div><input type='hidden' name='question_id[]' id='qID_20' value='316595' \/><input type='hidden' id='answerType316595' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316595[]' id='answer-id-1239155' class='answer   answerof-316595 ' value='1239155'   \/><label for='answer-id-1239155' id='answer-label-1239155' class=' answer'><span>an exposure.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316595[]' id='answer-id-1239156' class='answer   answerof-316595 ' value='1239156'   \/><label for='answer-id-1239156' id='answer-label-1239156' class=' answer'><span>a hazard.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316595[]' id='answer-id-1239157' class='answer   answerof-316595 ' value='1239157'   \/><label for='answer-id-1239157' id='answer-label-1239157' class=' answer'><span>a peril.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316595[]' id='answer-id-1239158' class='answer   answerof-316595 ' value='1239158'   \/><label for='answer-id-1239158' id='answer-label-1239158' class=' answer'><span>a risk.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-21' style=';'><div id='questionWrap-21'  class='   watupro-question-id-316596'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>21. <\/span>Which of the following statements is TRUE regarding a waiver of premium rider?<\/div><input type='hidden' name='question_id[]' id='qID_21' value='316596' \/><input type='hidden' id='answerType316596' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316596[]' id='answer-id-1239159' class='answer   answerof-316596 ' value='1239159'   \/><label for='answer-id-1239159' id='answer-label-1239159' class=' answer'><span>There will be no change in the policy other than the insured no longer has to pay the premiums on the policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316596[]' id='answer-id-1239160' class='answer   answerof-316596 ' value='1239160'   \/><label for='answer-id-1239160' id='answer-label-1239160' class=' answer'><span>The policy's cash value will continue to grow, but at a slower rate because the insured is no longer paying premiums.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316596[]' id='answer-id-1239161' class='answer   answerof-316596 ' value='1239161'   \/><label for='answer-id-1239161' id='answer-label-1239161' class=' answer'><span>The death benefit will be reduced by the amount of the unpaid premiums.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316596[]' id='answer-id-1239162' class='answer   answerof-316596 ' value='1239162'   \/><label for='answer-id-1239162' id='answer-label-1239162' class=' answer'><span>The insured will automatically become eligible for accelerated death benefits.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-22' style=';'><div id='questionWrap-22'  class='   watupro-question-id-316597'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>22. <\/span>When a policy owner requests a partial surrender from her Universal Life Policy she Is requesting which of the following?<\/div><input type='hidden' name='question_id[]' id='qID_22' value='316597' \/><input type='hidden' id='answerType316597' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316597[]' id='answer-id-1239163' class='answer   answerof-316597 ' value='1239163'   \/><label for='answer-id-1239163' id='answer-label-1239163' class=' answer'><span>Cash withdrawal.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316597[]' id='answer-id-1239164' class='answer   answerof-316597 ' value='1239164'   \/><label for='answer-id-1239164' id='answer-label-1239164' class=' answer'><span>A loan from the policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316597[]' id='answer-id-1239165' class='answer   answerof-316597 ' value='1239165'   \/><label for='answer-id-1239165' id='answer-label-1239165' class=' answer'><span>Surrender of the policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316597[]' id='answer-id-1239166' class='answer   answerof-316597 ' value='1239166'   \/><label for='answer-id-1239166' id='answer-label-1239166' class=' answer'><span>Decrease In the coverage amount.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-23' style=';'><div id='questionWrap-23'  class='   watupro-question-id-316598'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>23. <\/span>The accumulated cash value of a whole life insurance policy becomes the<\/div><input type='hidden' name='question_id[]' id='qID_23' value='316598' \/><input type='hidden' id='answerType316598' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316598[]' id='answer-id-1239167' class='answer   answerof-316598 ' value='1239167'   \/><label for='answer-id-1239167' id='answer-label-1239167' class=' answer'><span>policy loan value upon which the insured may borrow.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316598[]' id='answer-id-1239168' class='answer   answerof-316598 ' value='1239168'   \/><label for='answer-id-1239168' id='answer-label-1239168' class=' answer'><span>amount used to purchase paid up additions to the insured's policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316598[]' id='answer-id-1239169' class='answer   answerof-316598 ' value='1239169'   \/><label for='answer-id-1239169' id='answer-label-1239169' class=' answer'><span>funds used to offset policy administration and conversion expenses.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316598[]' id='answer-id-1239170' class='answer   answerof-316598 ' value='1239170'   \/><label for='answer-id-1239170' id='answer-label-1239170' class=' answer'><span>face amount payable upon the insured's death.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-24' style=';'><div id='questionWrap-24'  class='   watupro-question-id-316599'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>24. <\/span>An insured has a 5-year Renewable Term Life Insurance Policy. Upon exercising the renewable privilege, the Insured MUST<\/div><input type='hidden' name='question_id[]' id='qID_24' value='316599' \/><input type='hidden' id='answerType316599' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316599[]' id='answer-id-1239171' class='answer   answerof-316599 ' value='1239171'   \/><label for='answer-id-1239171' id='answer-label-1239171' class=' answer'><span>provide evidence of insurability.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316599[]' id='answer-id-1239172' class='answer   answerof-316599 ' value='1239172'   \/><label for='answer-id-1239172' id='answer-label-1239172' class=' answer'><span>renew for at least 10 years.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316599[]' id='answer-id-1239173' class='answer   answerof-316599 ' value='1239173'   \/><label for='answer-id-1239173' id='answer-label-1239173' class=' answer'><span>pay an annual premium that may be higher.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316599[]' id='answer-id-1239174' class='answer   answerof-316599 ' value='1239174'   \/><label for='answer-id-1239174' id='answer-label-1239174' class=' answer'><span>convert to a whole life policy.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-25' style=';'><div id='questionWrap-25'  class='   watupro-question-id-316600'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>25. <\/span>Rob, Joe, and Mike are brothers who have a $60,000 &quot;first-to-die&quot; Joint life policy covering all three of their lives. If Joe dies first, the policy proceeds<\/div><input type='hidden' name='question_id[]' id='qID_25' value='316600' \/><input type='hidden' id='answerType316600' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316600[]' id='answer-id-1239175' class='answer   answerof-316600 ' value='1239175'   \/><label for='answer-id-1239175' id='answer-label-1239175' class=' answer'><span>will not provide further insurance protection.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316600[]' id='answer-id-1239176' class='answer   answerof-316600 ' value='1239176'   \/><label for='answer-id-1239176' id='answer-label-1239176' class=' answer'><span>must be shared equally by Rob and Joe's wife.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316600[]' id='answer-id-1239177' class='answer   answerof-316600 ' value='1239177'   \/><label for='answer-id-1239177' id='answer-label-1239177' class=' answer'><span>will accumulate with interest until another brother dies and then be awarded to the surviving brother.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316600[]' id='answer-id-1239178' class='answer   answerof-316600 ' value='1239178'   \/><label for='answer-id-1239178' id='answer-label-1239178' class=' answer'><span>must be awarded to Joe's estate.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-26' style=';'><div id='questionWrap-26'  class='   watupro-question-id-316601'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>26. <\/span>Which of the following individuals has the right to name a beneficiary?<\/div><input type='hidden' name='question_id[]' id='qID_26' value='316601' \/><input type='hidden' id='answerType316601' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316601[]' id='answer-id-1239179' class='answer   answerof-316601 ' value='1239179'   \/><label for='answer-id-1239179' id='answer-label-1239179' class=' answer'><span>producer<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316601[]' id='answer-id-1239180' class='answer   answerof-316601 ' value='1239180'   \/><label for='answer-id-1239180' id='answer-label-1239180' class=' answer'><span>owner<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316601[]' id='answer-id-1239181' class='answer   answerof-316601 ' value='1239181'   \/><label for='answer-id-1239181' id='answer-label-1239181' class=' answer'><span>Insured<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316601[]' id='answer-id-1239182' class='answer   answerof-316601 ' value='1239182'   \/><label for='answer-id-1239182' id='answer-label-1239182' class=' answer'><span>assignee<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-27' style=';'><div id='questionWrap-27'  class='   watupro-question-id-316602'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>27. <\/span>Which of the following dividend options is taxable?<\/div><input type='hidden' name='question_id[]' id='qID_27' value='316602' \/><input type='hidden' id='answerType316602' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316602[]' id='answer-id-1239183' class='answer   answerof-316602 ' value='1239183'   \/><label for='answer-id-1239183' id='answer-label-1239183' class=' answer'><span>1-year term.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316602[]' id='answer-id-1239184' class='answer   answerof-316602 ' value='1239184'   \/><label for='answer-id-1239184' id='answer-label-1239184' class=' answer'><span>Paid up additions.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316602[]' id='answer-id-1239185' class='answer   answerof-316602 ' value='1239185'   \/><label for='answer-id-1239185' id='answer-label-1239185' class=' answer'><span>Return of premium.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316602[]' id='answer-id-1239186' class='answer   answerof-316602 ' value='1239186'   \/><label for='answer-id-1239186' id='answer-label-1239186' class=' answer'><span>Accumulation at interest.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-28' style=';'><div id='questionWrap-28'  class='   watupro-question-id-316603'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>28. <\/span>Which rider would allow additional insurance to be purchased at specified dates or events, without additional underwriting?<\/div><input type='hidden' name='question_id[]' id='qID_28' value='316603' \/><input type='hidden' id='answerType316603' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316603[]' id='answer-id-1239187' class='answer   answerof-316603 ' value='1239187'   \/><label for='answer-id-1239187' id='answer-label-1239187' class=' answer'><span>Guaranteed renewability.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316603[]' id='answer-id-1239188' class='answer   answerof-316603 ' value='1239188'   \/><label for='answer-id-1239188' id='answer-label-1239188' class=' answer'><span>Guaranteed insurability.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316603[]' id='answer-id-1239189' class='answer   answerof-316603 ' value='1239189'   \/><label for='answer-id-1239189' id='answer-label-1239189' class=' answer'><span>Cost of living.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316603[]' id='answer-id-1239190' class='answer   answerof-316603 ' value='1239190'   \/><label for='answer-id-1239190' id='answer-label-1239190' class=' answer'><span>Disability income.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-29' style=';'><div id='questionWrap-29'  class='   watupro-question-id-316604'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>29. <\/span>Deliberate withholding of material facts that would affect the validity of an Insurance policy or a claim under the policy Is known as<\/div><input type='hidden' name='question_id[]' id='qID_29' value='316604' \/><input type='hidden' id='answerType316604' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316604[]' id='answer-id-1239191' class='answer   answerof-316604 ' value='1239191'   \/><label for='answer-id-1239191' id='answer-label-1239191' class=' answer'><span>slanting.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316604[]' id='answer-id-1239192' class='answer   answerof-316604 ' value='1239192'   \/><label for='answer-id-1239192' id='answer-label-1239192' class=' answer'><span>concealment.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316604[]' id='answer-id-1239193' class='answer   answerof-316604 ' value='1239193'   \/><label for='answer-id-1239193' id='answer-label-1239193' class=' answer'><span>misrepresentation.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316604[]' id='answer-id-1239194' class='answer   answerof-316604 ' value='1239194'   \/><label for='answer-id-1239194' id='answer-label-1239194' class=' answer'><span>aleatory contract.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-30' style=';'><div id='questionWrap-30'  class='   watupro-question-id-316605'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>30. <\/span>The premium mode defines the<\/div><input type='hidden' name='question_id[]' id='qID_30' value='316605' \/><input type='hidden' id='answerType316605' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316605[]' id='answer-id-1239195' class='answer   answerof-316605 ' value='1239195'   \/><label for='answer-id-1239195' id='answer-label-1239195' class=' answer'><span>premium limit.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316605[]' id='answer-id-1239196' class='answer   answerof-316605 ' value='1239196'   \/><label for='answer-id-1239196' id='answer-label-1239196' class=' answer'><span>premium amount.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316605[]' id='answer-id-1239197' class='answer   answerof-316605 ' value='1239197'   \/><label for='answer-id-1239197' id='answer-label-1239197' class=' answer'><span>frequency of the premium payment.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316605[]' id='answer-id-1239198' class='answer   answerof-316605 ' value='1239198'   \/><label for='answer-id-1239198' id='answer-label-1239198' class=' answer'><span>method of premium payment.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-31' style=';'><div id='questionWrap-31'  class='   watupro-question-id-316606'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>31. <\/span>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?<\/div><input type='hidden' name='question_id[]' id='qID_31' value='316606' \/><input type='hidden' id='answerType316606' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316606[]' id='answer-id-1239199' class='answer   answerof-316606 ' value='1239199'   \/><label for='answer-id-1239199' id='answer-label-1239199' class=' answer'><span>impose an administrative penalty<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316606[]' id='answer-id-1239200' class='answer   answerof-316606 ' value='1239200'   \/><label for='answer-id-1239200' id='answer-label-1239200' class=' answer'><span>suspend the licensee s premium accounts<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316606[]' id='answer-id-1239201' class='answer   answerof-316606 ' value='1239201'   \/><label for='answer-id-1239201' id='answer-label-1239201' class=' answer'><span>immediately terminate insurer appointments<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316606[]' id='answer-id-1239202' class='answer   answerof-316606 ' value='1239202'   \/><label for='answer-id-1239202' id='answer-label-1239202' class=' answer'><span>sentence the licensee up to 30 days in jail<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-32' style=';'><div id='questionWrap-32'  class='   watupro-question-id-316607'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>32. <\/span>If an Insured under a life insurance policy dies with an outstanding loan balance then the death benefit will<\/div><input type='hidden' name='question_id[]' id='qID_32' value='316607' \/><input type='hidden' id='answerType316607' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316607[]' id='answer-id-1239203' class='answer   answerof-316607 ' value='1239203'   \/><label for='answer-id-1239203' id='answer-label-1239203' class=' answer'><span>be reduced by the amount of the loan and interest owed.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316607[]' id='answer-id-1239204' class='answer   answerof-316607 ' value='1239204'   \/><label for='answer-id-1239204' id='answer-label-1239204' class=' answer'><span>not be paid until the loan is repaid.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316607[]' id='answer-id-1239205' class='answer   answerof-316607 ' value='1239205'   \/><label for='answer-id-1239205' id='answer-label-1239205' class=' answer'><span>be paid less the amount of the loan but not the interest.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316607[]' id='answer-id-1239206' class='answer   answerof-316607 ' value='1239206'   \/><label for='answer-id-1239206' id='answer-label-1239206' class=' answer'><span>be paid less the amount of the loan interest but not the principal.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-33' style=';'><div id='questionWrap-33'  class='   watupro-question-id-316608'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>33. <\/span>At what age can an Individual begin to receive distributions from an IRA without a tax penalty?<\/div><input type='hidden' name='question_id[]' id='qID_33' value='316608' \/><input type='hidden' id='answerType316608' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316608[]' id='answer-id-1239207' class='answer   answerof-316608 ' value='1239207'   \/><label for='answer-id-1239207' id='answer-label-1239207' class=' answer'><span>55 1\/2 years.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316608[]' id='answer-id-1239208' class='answer   answerof-316608 ' value='1239208'   \/><label for='answer-id-1239208' id='answer-label-1239208' class=' answer'><span>59 1\/2 years.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316608[]' id='answer-id-1239209' class='answer   answerof-316608 ' value='1239209'   \/><label for='answer-id-1239209' id='answer-label-1239209' class=' answer'><span>63 1\/2 years.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316608[]' id='answer-id-1239210' class='answer   answerof-316608 ' value='1239210'   \/><label for='answer-id-1239210' id='answer-label-1239210' class=' answer'><span>65 1\/2 years.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-34' style=';'><div id='questionWrap-34'  class='   watupro-question-id-316609'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>34. <\/span>When a beneficiary Inherits a traditional IRA, which of the following Is TRUE about taxation when the money is withdrawn? The beneficiary pays<\/div><input type='hidden' name='question_id[]' id='qID_34' value='316609' \/><input type='hidden' id='answerType316609' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316609[]' id='answer-id-1239211' class='answer   answerof-316609 ' value='1239211'   \/><label for='answer-id-1239211' id='answer-label-1239211' class=' answer'><span>no tax.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316609[]' id='answer-id-1239212' class='answer   answerof-316609 ' value='1239212'   \/><label for='answer-id-1239212' id='answer-label-1239212' class=' answer'><span>an estate tax.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316609[]' id='answer-id-1239213' class='answer   answerof-316609 ' value='1239213'   \/><label for='answer-id-1239213' id='answer-label-1239213' class=' answer'><span>capital gains tax.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316609[]' id='answer-id-1239214' class='answer   answerof-316609 ' value='1239214'   \/><label for='answer-id-1239214' id='answer-label-1239214' class=' answer'><span>income tax.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-35' style=';'><div id='questionWrap-35'  class='   watupro-question-id-316610'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>35. <\/span>Which of the following statements BEST describes a single premium cash value policy?<\/div><input type='hidden' name='question_id[]' id='qID_35' value='316610' \/><input type='hidden' id='answerType316610' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316610[]' id='answer-id-1239215' class='answer   answerof-316610 ' value='1239215'   \/><label for='answer-id-1239215' id='answer-label-1239215' class=' answer'><span>It requires only one payment to make the policy paid up.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316610[]' id='answer-id-1239216' class='answer   answerof-316610 ' value='1239216'   \/><label for='answer-id-1239216' id='answer-label-1239216' class=' answer'><span>It provides for only one premium to be paid without evidence of insurability.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316610[]' id='answer-id-1239217' class='answer   answerof-316610 ' value='1239217'   \/><label for='answer-id-1239217' id='answer-label-1239217' class=' answer'><span>It waives one future premium if the owner becomes disabled.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316610[]' id='answer-id-1239218' class='answer   answerof-316610 ' value='1239218'   \/><label for='answer-id-1239218' id='answer-label-1239218' class=' answer'><span>It requires the policyowner to pay one premium annually.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-36' style=';'><div id='questionWrap-36'  class='   watupro-question-id-316611'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>36. <\/span>The Group Life Underwriting risk selection process helps protect Insurers from<\/div><input type='hidden' name='question_id[]' id='qID_36' value='316611' \/><input type='hidden' id='answerType316611' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316611[]' id='answer-id-1239219' class='answer   answerof-316611 ' value='1239219'   \/><label for='answer-id-1239219' id='answer-label-1239219' class=' answer'><span>risk selection.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316611[]' id='answer-id-1239220' class='answer   answerof-316611 ' value='1239220'   \/><label for='answer-id-1239220' id='answer-label-1239220' class=' answer'><span>medical underwriting.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316611[]' id='answer-id-1239221' class='answer   answerof-316611 ' value='1239221'   \/><label for='answer-id-1239221' id='answer-label-1239221' class=' answer'><span>adverse selection.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316611[]' id='answer-id-1239222' class='answer   answerof-316611 ' value='1239222'   \/><label for='answer-id-1239222' id='answer-label-1239222' class=' answer'><span>risk underwriting.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-37' style=';'><div id='questionWrap-37'  class='   watupro-question-id-316612'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>37. <\/span>Which of the following represents a syndicate of underwriters that specialize in Insuring specific types of risk?<\/div><input type='hidden' name='question_id[]' id='qID_37' value='316612' \/><input type='hidden' id='answerType316612' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316612[]' id='answer-id-1239223' class='answer   answerof-316612 ' value='1239223'   \/><label for='answer-id-1239223' id='answer-label-1239223' class=' answer'><span>reciprocal insurer<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316612[]' id='answer-id-1239224' class='answer   answerof-316612 ' value='1239224'   \/><label for='answer-id-1239224' id='answer-label-1239224' class=' answer'><span>Lloyd's association<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316612[]' id='answer-id-1239225' class='answer   answerof-316612 ' value='1239225'   \/><label for='answer-id-1239225' id='answer-label-1239225' class=' answer'><span>risk retention group<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316612[]' id='answer-id-1239226' class='answer   answerof-316612 ' value='1239226'   \/><label for='answer-id-1239226' id='answer-label-1239226' class=' answer'><span>fraternal benefit society<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-38' style=';'><div id='questionWrap-38'  class='   watupro-question-id-316613'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>38. <\/span>In reference to life Insurance in contract law, a person MOST likely will have an insurable interest in insuring a person's life If<\/div><input type='hidden' name='question_id[]' id='qID_38' value='316613' \/><input type='hidden' id='answerType316613' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316613[]' id='answer-id-1239227' class='answer   answerof-316613 ' value='1239227'   \/><label for='answer-id-1239227' id='answer-label-1239227' class=' answer'><span>the interest exists at the time of death.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316613[]' id='answer-id-1239228' class='answer   answerof-316613 ' value='1239228'   \/><label for='answer-id-1239228' id='answer-label-1239228' class=' answer'><span>the interest exists at the time of application.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316613[]' id='answer-id-1239229' class='answer   answerof-316613 ' value='1239229'   \/><label for='answer-id-1239229' id='answer-label-1239229' class=' answer'><span>any type of distant family relationship exists with the insured party.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316613[]' id='answer-id-1239230' class='answer   answerof-316613 ' value='1239230'   \/><label for='answer-id-1239230' id='answer-label-1239230' class=' answer'><span>any type of business relationship exists between the insured party and the beneficiary.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-39' style=';'><div id='questionWrap-39'  class='   watupro-question-id-316614'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>39. <\/span>The settlement option that allows proceeds to remain with the Insurer and the earnings to be paid to the beneficiary on a monthly basis is called<\/div><input type='hidden' name='question_id[]' id='qID_39' value='316614' \/><input type='hidden' id='answerType316614' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316614[]' id='answer-id-1239231' class='answer   answerof-316614 ' value='1239231'   \/><label for='answer-id-1239231' id='answer-label-1239231' class=' answer'><span>interest only.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316614[]' id='answer-id-1239232' class='answer   answerof-316614 ' value='1239232'   \/><label for='answer-id-1239232' id='answer-label-1239232' class=' answer'><span>lump sum.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316614[]' id='answer-id-1239233' class='answer   answerof-316614 ' value='1239233'   \/><label for='answer-id-1239233' id='answer-label-1239233' class=' answer'><span>fixed period.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316614[]' id='answer-id-1239234' class='answer   answerof-316614 ' value='1239234'   \/><label for='answer-id-1239234' id='answer-label-1239234' class=' answer'><span>fixed amount.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-40' style=';'><div id='questionWrap-40'  class='   watupro-question-id-316615'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>40. <\/span>All the following riders can Increase the death benefit amount EXCEPT<\/div><input type='hidden' name='question_id[]' id='qID_40' value='316615' \/><input type='hidden' id='answerType316615' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316615[]' id='answer-id-1239235' class='answer   answerof-316615 ' value='1239235'   \/><label for='answer-id-1239235' id='answer-label-1239235' class=' answer'><span>Cost of Living.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316615[]' id='answer-id-1239236' class='answer   answerof-316615 ' value='1239236'   \/><label for='answer-id-1239236' id='answer-label-1239236' class=' answer'><span>Waiver of Premium.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316615[]' id='answer-id-1239237' class='answer   answerof-316615 ' value='1239237'   \/><label for='answer-id-1239237' id='answer-label-1239237' class=' answer'><span>Accidental Death Rider.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-316615[]' id='answer-id-1239238' class='answer   answerof-316615 ' value='1239238'   \/><label for='answer-id-1239238' id='answer-label-1239238' class=' answer'><span>Guaranteed Insurability.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div style='display:none' id='question-41'>\n\t<div class='question-content'>\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\" alt=\"Loading...\" title=\"Loading...\" \/>&nbsp;Loading...\t<\/div>\n<\/div>\n\n<br \/>\n\t\n\t\t\t<div class=\"watupro_buttons flex \" id=\"watuPROButtons8303\" >\n\t\t  <div id=\"prev-question\" style=\"display:none;\"><input 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316582:1239103,1239104,1239105,1239106 | 316583:1239107,1239108,1239109,1239110 | 316584:1239111,1239112,1239113,1239114 | 316585:1239115,1239116,1239117,1239118 | 316586:1239119,1239120,1239121,1239122 | 316587:1239123,1239124,1239125,1239126 | 316588:1239127,1239128,1239129,1239130 | 316589:1239131,1239132,1239133,1239134 | 316590:1239135,1239136,1239137,1239138 | 316591:1239139,1239140,1239141,1239142 | 316592:1239143,1239144,1239145,1239146 | 316593:1239147,1239148,1239149,1239150 | 316594:1239151,1239152,1239153,1239154 | 316595:1239155,1239156,1239157,1239158 | 316596:1239159,1239160,1239161,1239162 | 316597:1239163,1239164,1239165,1239166 | 316598:1239167,1239168,1239169,1239170 | 316599:1239171,1239172,1239173,1239174 | 316600:1239175,1239176,1239177,1239178 | 316601:1239179,1239180,1239181,1239182 | 316602:1239183,1239184,1239185,1239186 | 316603:1239187,1239188,1239189,1239190 | 316604:1239191,1239192,1239193,1239194 | 316605:1239195,1239196,1239197,1239198 | 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