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1|Page OHIO LIFE; HEALTH INSURANCE STUDY GUIDE | QUESTIONS WITH VERIFIED ANSWERS 2025 If the Superintendent believes that an agent is violating an insurance regulation and that violation is about to cause substantial and material harm, the Superintendent may issues a(n) - correct-answer-Cease and desist order Which statement does NOT accurately describe accelerated benefits? a. Accelerated benefits are added as a rider to some policies, but built into others as a provision b. Accelerated benefits are treated as a policy loan c. Accelerated benefits pay a portion of the death benefit prior to death of the insured d. Accelerated benefits reduce the amount payable to the beneficiary - correctanswer-b. Accelerated benefits are treated as a policy loan When an insured sells or assigns a Life Insurance policy to another party to get money to pay for terminal expenses, it is known as a(n) - correct-answer-Viatical settlement