Ohio Insurance Laws and Regulations Practice Exam

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What must an agent who sells an individual life insurance policy in Ohio deliver to the policyowner?

  1. A promotional brochure

  2. Policy summary and buyer's guide

  3. A discount card

  4. Annual financial report of the insurer

The correct answer is: Policy summary and buyer's guide

An agent who sells an individual life insurance policy in Ohio must deliver a policy summary and buyer's guide to the policyowner. This document provides important information about the policy, such as coverage and costs, in an easy-to-understand format. A promotional brochure may be included, but it is not the required document for policyowners. A discount card is unrelated to an individual life insurance policy. Annual financial reports of the insurer may be available to policyowners upon request, but they are not automatically delivered to policyowners. Therefore, these are all incorrect options for what an agent must deliver to the policyowner.

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