OH Life & Health case studies
OH Life & Health · Put your knowledge to work in context.
The Ohio Life & Health agent license is a state producer credential issued by the Ohio Department of Insurance (ODI) that authorizes the holder to sell life insurance, annuities, and health insurance products in Ohio. Candidates pursue it to work as a captive agent for a carrier, a producer at an independent agency, or agency support staff who need to be licensed. The OH Life & Health case studies are 5 cases and about 4,135 words.
1The Lapsed Policy, the Undisclosed Diagnosis, and the Wrong Age
Marcus, 49, bought a 250,000 whole life policy in March 2021. On the application he gave his age as 42; he was actually 45, a fact discovered only last month.
761 words, about 4 min2Funding a Remodel from a Nonqualified Annuity at Age 52
Denise is 52 and owns a nonqualified deferred annuity she purchased nine years ago with a single 80,000 premium. The contract value is now 110,000 and the surrender charge period has ended.
735 words, about 4 min3The Surgeon Who Can Still Work: Own-Occupation vs. Any-Occupation
Okafor, 47, is a hand surgeon earning 30,000 a month. Three years ago she bought an individual disability income policy with an 8,000 monthly benefit, a 90-day elimination period, a benefit period to age 65, and a definition of total disability that reads "own occupation" for the first 24 months and "any occupation for which you are reasonably fitted by education, training or experience" thereafter.
833 words, about 4 min4Ray Retires at 68: Medicare, the Group PPO, and COBRA
Ray is 68 and works full time for a manufacturer with 40 employees. He is enrolled in the company's PPO along with his wife, Nicole, who is 62 and does not work outside the home.
860 words, about 4 min5The Unappointed Producer, the Cash Premium, and the Missing Replacement Notice
Priya holds a life insurance producer license in her state and is appointed by Insurer A. She meets with Walter, 74, and sells him a 400,000 whole life policy issued by Insurer B, for which she holds no appointment.
946 words, about 5 min