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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-II Life Policy Riders, Provisions, Options, Exclusions
medium
Why does the doctrine of subrogation NOT apply to life insurance?
A
Because life insurance is a contract of indemnity, allowing subrogation would let the beneficiary obtain an impermissible double recovery
B
Because the insurer formally assigns the right to sue the tortfeasor back to the beneficiary at the time of claim
C
Because federal law expressly prohibits the use of subrogation across every line of insurance coverage
D
Because life insurance is a valued contract and the beneficiary's payment is independent of any third-party tort recovery
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