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Latest Life Agent Series 11-44 Exam Practice Questions

The practice questions for Life Agent Series 11-44 exam was last updated on 2025-07-17 .

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Question#1

If an Insured under a life insurance policy dies with an outstanding loan balance then the death benefit will

A. be reduced by the amount of the loan and interest owed.

B. not be paid until the loan is repaid.

C. be paid less the amount of the loan but not the interest.

D. be paid less the amount of the loan interest but not the principal.

Question#2

Rob, Joe, and Mike are brothers who have a $60,000 "first-to-die" Joint life policy covering all three of their lives. If Joe dies first, the policy proceeds

A. will not provide further insurance protection.

B. must be shared equally by Rob and Joe's wife.

C. will accumulate with interest until another brother dies and then be awarded to the surviving brother.

D. must be awarded to Joe's estate.

Question#3

An insured has a 5-year Renewable Term Life Insurance Policy. Upon exercising the renewable privilege, the Insured MUST

A. provide evidence of insurability.

B. renew for at least 10 years.

C. pay an annual premium that may be higher.

D. convert to a whole life policy.

Question#4

All of the following statements apply to the surrender of an annuity contract EXCEPT

A. surrender charges will reduce the contract payout amount.

B. the right to surrender Is available on immediate and deferred annuities.

C. the owner has the right to surrender the contract during the accumulation period.

D. surrender charges diminish over a stated number of years and will eventually disappear.

Question#5

Under the children's term rider, what occurs when a child reaches the specified age? He or she

A. automatically becomes the beneficiary of the life insurance policy.

B. must show evidence of insurability to remain covered.

C. may Increase the term coverage of the rider.

D. is eliminated from coverage.

Exam Code: Life Agent Series 11-44Q & A: 105 Q&AsUpdated: 2025-07-17

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