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Xcel Bundled Exams ( Full Solution Pack) Updated & Verified | Guaranteed Success
[Show more]Xcel Bundled Exams ( Full Solution Pack) Updated & Verified | Guaranteed Success
[Show more]An accident and Health insurance applicant who fails to includes material medical information 
on an application would be reason for the insurer to - deny any future claims and to refund 
the premium 
S has a Whole Life Policy with a premium payment due soon. Which provision would keep the 
policy i...
Preview 2 out of 9 pages
Add to cartAn accident and Health insurance applicant who fails to includes material medical information 
on an application would be reason for the insurer to - deny any future claims and to refund 
the premium 
S has a Whole Life Policy with a premium payment due soon. Which provision would keep the 
policy i...
who is not eligible for social security survivor benefits? 
A. Full-time students under the age of 19 
B. A deceased worker's dependent parents of any age 
C. A widow at any age who is caring for children younger than 16 
D. A widow at full retirement age - A deceased worker's dependent parents of...
Preview 4 out of 186 pages
Add to cartwho is not eligible for social security survivor benefits? 
A. Full-time students under the age of 19 
B. A deceased worker's dependent parents of any age 
C. A widow at any age who is caring for children younger than 16 
D. A widow at full retirement age - A deceased worker's dependent parents of...
Which of the following requires insurers to disclose when an applicant's consumer or credit 
history is being investigated: - 1970 - Fair Credit Reporting Act 
What type of reinsurance contract involves two companies automatically sharing their risk 
exposure? - Treaty 
What is the name of the law ...
Preview 3 out of 19 pages
Add to cartWhich of the following requires insurers to disclose when an applicant's consumer or credit 
history is being investigated: - 1970 - Fair Credit Reporting Act 
What type of reinsurance contract involves two companies automatically sharing their risk 
exposure? - Treaty 
What is the name of the law ...
1x sold
Jonas is a whole life insurance policyowner and would like to add coverage for his two children. 
Which of the following products would allow him to accomplish this? - Child Term Rider 
Lisa has recently bought a fixed annuity. Which of these is considered to be a disadvantage of 
owning this type o...
Preview 3 out of 22 pages
Add to cartJonas is a whole life insurance policyowner and would like to add coverage for his two children. 
Which of the following products would allow him to accomplish this? - Child Term Rider 
Lisa has recently bought a fixed annuity. Which of these is considered to be a disadvantage of 
owning this type o...
When an insurance company requests an attending physician's report, the request must be 
accompanied by a - Copy of the signed authorization 
Which of the following is NOT a required uniform provision in individual health policies? - 
Change of occupation 
"Life insurance creates an immediate esta...
Preview 3 out of 29 pages
Add to cartWhen an insurance company requests an attending physician's report, the request must be 
accompanied by a - Copy of the signed authorization 
Which of the following is NOT a required uniform provision in individual health policies? - 
Change of occupation 
"Life insurance creates an immediate esta...
S recently received a $500,000 lump sum retirement buyout from her employer. She would like 
to buy an annuity that will immediately furnish her with a guaranteed income for life. What type 
of annuity is best suited for her situation? - Single Premium. 
Immediate Annuities are purchased with a sing...
Preview 4 out of 59 pages
Add to cartS recently received a $500,000 lump sum retirement buyout from her employer. She would like 
to buy an annuity that will immediately furnish her with a guaranteed income for life. What type 
of annuity is best suited for her situation? - Single Premium. 
Immediate Annuities are purchased with a sing...
Which type of multiple protection policy pays on the death of the last person? 
A. Joint Life Policy 
B. Dual Life Policy 
C. Multiple Life Policy 
D. Survivorship Life Policy - D. Survivorship Life Policy 
A policy owner may change two policy features on what type of life insurance? 
A. Adjustable ...
Preview 3 out of 22 pages
Add to cartWhich type of multiple protection policy pays on the death of the last person? 
A. Joint Life Policy 
B. Dual Life Policy 
C. Multiple Life Policy 
D. Survivorship Life Policy - D. Survivorship Life Policy 
A policy owner may change two policy features on what type of life insurance? 
A. Adjustable ...
The Do Not Call Registry offers exemptions for calls placed from all of the following EXCEPT - 
insurance sales calls 
Charities, political organizations, and surveys are all offered exemptions from The Do Not Call 
Registry 
The type of policy where the insurer can send a notice to the insured that...
Preview 4 out of 32 pages
Add to cartThe Do Not Call Registry offers exemptions for calls placed from all of the following EXCEPT - 
insurance sales calls 
Charities, political organizations, and surveys are all offered exemptions from The Do Not Call 
Registry 
The type of policy where the insurer can send a notice to the insured that...
Replacement regulation is designed to protect - Policyowners from mirepresentation and loss 
of benefits 
All Health Benefit Plans issued after January 1, 2014 must provide - Preventative health 
services 
Which of these will have the highest monthly payout upon annuitization - Straight life 
Which ...
Preview 3 out of 21 pages
Add to cartReplacement regulation is designed to protect - Policyowners from mirepresentation and loss 
of benefits 
All Health Benefit Plans issued after January 1, 2014 must provide - Preventative health 
services 
Which of these will have the highest monthly payout upon annuitization - Straight life 
Which ...
Typically, Long-Term Disability benefits are coordinated with which benefit plan? - Social 
Security 
The focus of major medical insurance is providing coverage for - medical and hospitalization 
expenses 
An insured under a Major Medical expense plan with a zero deductible and 80/20 coinsurance 
pr...
Preview 4 out of 43 pages
Add to cartTypically, Long-Term Disability benefits are coordinated with which benefit plan? - Social 
Security 
The focus of major medical insurance is providing coverage for - medical and hospitalization 
expenses 
An insured under a Major Medical expense plan with a zero deductible and 80/20 coinsurance 
pr...
A partial surrender is allowed in which of the following life policies? - Universal life 
All of the following riders can increase the death benefit amount EXCEPT - Waiver of 
Premium 
A health insurance policy where the insurer has the right to terminate the policy fr reasons other 
than the insure...
Preview 3 out of 18 pages
Add to cartA partial surrender is allowed in which of the following life policies? - Universal life 
All of the following riders can increase the death benefit amount EXCEPT - Waiver of 
Premium 
A health insurance policy where the insurer has the right to terminate the policy fr reasons other 
than the insure...
a nonparticipating company is sometimes called a - stock insurer 
Fraternal Benefit Society has each other the following characteristics except - exist for profit 
The Fair Credit and Reporting Act's main purpose is to - protect consumers with guidelines 
regarding credit reporting and distribution...
Preview 2 out of 10 pages
Add to carta nonparticipating company is sometimes called a - stock insurer 
Fraternal Benefit Society has each other the following characteristics except - exist for profit 
The Fair Credit and Reporting Act's main purpose is to - protect consumers with guidelines 
regarding credit reporting and distribution...
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