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Free OH L&H Practice Test
20 questions sampled from our Life & Health bank for Ohio. AI explanations shown after each answer.
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Question 1 of 20
0 correct so far
National-LH-III Application, Underwriting, Delivery
easy
Why is beneficiary review at major life events (marriage, divorce, birth, death) considered a producer best practice?
A
Outdated beneficiary designations override the insured's current intent and the will, often producing unintended payouts
B
State law automatically nullifies every beneficiary designation upon divorce in all fifty states under a single uniform statute
C
Beneficiary designations may legally be updated only one single time during the entire lifetime of the policy contract
D
Carriers contractually require producers to re-certify the named beneficiaries on every policy every thirty calendar days
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