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XCEL BUNDLED Exam 2023 with 100% correct answers

XCEL Final Exam 2023 with 100% correct answers XCEL Arizona Life and Health Insurance State Exam 2023 with 100% correct answers

28 items

XCEL - NY - Exam Simulator 1 2023 with 100% correct answers

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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? - correct answer -Child Term Rider Lisa has recently bought a fixed annuity. Which of these is considered to be a disadvantage of ow...

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Xcel Testing Solutions- Life and Health Insurance- Weighted Exam 2023

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The Do Not Call Registry offers exemptions for calls placed from all of the following EXCEPT - correct answer 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 t...

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Xcel Testing Solutions-Louisiana Life and Health Exam 2023 with 100% correct answers

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Which dividend option would an insurer invest the policy owner's money and add any interest earnings as the dividends accrue? -Accumulation at Interest Option -Cash Dividend Option -Paid-Up Additions Option -One-Year Term Dividend Option - correct answer -The Accumulation at Interest Opti...

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XCEL TESTING SOLUTIONS EXAM 2023 WITH 100% CORRECT ANSWERS

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When an insurance company requests an attending physician's report, the request must be accompanied by a - correct answer Copy of the signed authorization Which of the following is NOT a required uniform provision in individual health policies? - correct answer Change of occupation "Life ins...

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XCEL Solutions Life and Health License Exam 2023 with 100% correct answers

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A saving vehicle designed to first accumulate funds and then systematically liquidates the funds - correct answer -Deferred annuity An annuity which is backed by a life insurer's separate account - correct answer -Variable Annuity Cindy buys a 10-year certain annuity with an installment refun...

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Xcel Solutions IN Life Insurance Final Exam 2023 with 100% correct answers

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P is a producer who is licensed in Indiana , but a resident of Michigan . In Indiana , P is considered to be a ( n ) __________ producer . - correct answer -nonresident . Why would the Insurance Commissioner issue a temporary license ? - correct answer -To allow the personal representative of a d...

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XCEL solutions FINAL EXAM #12 2023 with 100% correct answers

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Question 1 Which settlement option pays a stated amount to an annuitant, but no residual value to a beneficiary? - correct answer Life income Question 2 A new agent must complete at least _____ hours of continuing education within 24 months of initial license? - correct answer 24 hours Quest...

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Xcel solutions final exam Maryland Life and health 2023

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What is normally the consequence for NOT obtaining preadmission certification prior to receiving inpatient medical care? - correct answer -A reduction in benefits A group-owned insurance company that is formed to assume and spread the liability risks of its members is known as a - correct answer ...

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XCEL Solutions exam 2023 with 100% correct answers

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An accident and Health insurance applicant who fails to includes material medical information on an application would be reason for the insurer to - correct answer deny any future claims and to refund the premium S has a Whole Life Policy with a premium payment due soon. Which provision would kee...

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xcel Life Policies Exam 2023 with 100% correct answers

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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 - correct answer -D. Survivorship Life Policy A policyowner may change two policy features on what type of life insuran...

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XCEL Life Insurance State Exam 2023 with 100% correct answers

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What are the members of the Medical Bureau (MIB) required to report? - correct answer -Medical ailments discovered during the underwriting process When an insurance company requests an attending physician's report, the request must be accompanied by a - correct answer -copy of the signed authori...

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XCEL Life Insurance Exam 2023 with 100% correct answers

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The principle of insurable interest, in regards to a life insurance contract is accurately described in which statement? 1) An agent establishes insurable interest 2) An individual does not have insurable interest on his or her own life 3) Insurable interest only pertains to business arrangements 4)...

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Xcel Life Insurance exam 2023 with 100% correct answers

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According to the principle of Utmost Good Faith, the insured will answer questions on the application to the best of their knowledge and pay premium, while the insurer will deal fairly with the insurer and it's - correct answer -promises made Bob and Tom start a business. Since each partner cont...

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Xcel Life Insurance Exam 2023 with 100% correct answers

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Replacement regulation is designed to protect - correct answer -Policyowners from mirepresentation and loss of benefits All Health Benefit Plans issued after January 1, 2014 must provide - correct answer -Preventative health services Which of these will have the highest monthly payout upon ann...

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XCEL Life and Health Insurance Test Review exam 2023 with 100% correct answers

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Which annuity payout option allows the policy owner to choose a pre-determined number of benefit payments? - correct answer -Period Certain Which annuity payout option has no additional payouts regardless of when the annuitant dies - correct answer -Life only annuity a professional liability f...

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Xcel Life and Health Insurance Exam 2023 with 100% correct answers

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The State Government - correct answer -Regulates the Insurance Industry for the most part The Commissioner of Insurance - correct answer -enforces the insurance laws in Alabama and may: organize, supervise, and administer the Insurance. enforce all provisions in the Insurance Code. Issue Insura...

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XCEL Life and Health Insurance exam 2023 with 100% correct answers

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Period Certain - correct answer -Which annuity payout option allows the policy owner to choose a pre-determined number of benefit payments? Life only annuity - correct answer -Which annuity payout option has no additional payouts regardless of when the annuitant dies Errors and Omissions - cor...

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Xcel Final Exam 2023 with 100% correct answers

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Typically, Long-Term Disability benefits are coordinated with which benefit plan? - correct answer -Social Security The focus of major medical insurance is providing coverage for - correct answer -medical and hospitalization expenses An insured under a Major Medical expense plan with a zero de...

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XCEL Final Exam 2023 with 100% correct answers

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Irrevocable beneficiary - correct answer -What kind of life insurance beneficiary requires his/her consent when a change of beneficiary is made? Anytime - correct answer -When can a policy-owner change a revocable beneficiary? Daughter - correct answer -K has a life insurance policy where her ...

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Xcel Final Exam 2023 with 100% correct answers

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Replacement - correct answerA transaction in which a new life insurance policy is purchased and an existing life insurance policy is surrenderred is called? tax-deductible to the employer - correct answerThe premiums paid by an employer for his employee's group life insurance are usually conside...

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XCEL FINAL EXAM 2023 WITH 100% CORRECT ANSWERS

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Under group health insurance, a certificate of coverage is issued to the - correct answer -employee Which of the following actions may an insurance company NOT do in a health policy that contains a guaranteed renewable premium benefit? - correct answer -Increase the premiums on an individual basi...

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XCEL Exam Simulator FL 2023 with 100% correct answers

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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? - correct answer Single Premium. Immediate Annuities are purcha...

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XCEL Exam 2023 with 100% correct answers

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Which of these is NOT considered to be a common life insurance nonforfeiture option? a. Cash surrender b. Extended term insurance c. Reduced paid-up insurance d. Life income annuity - correct answer -d. Life income annuity Which of these would NOT be considered a presumptive disability?...

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XCEL Exam 2023 with 100% correct answers

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Which type of policy is considered to be overfudned, as stated by IRS guidelines? - correct answer - What is the maximum number of employees (earning at least $5000) that an employer can have in order to start a SIMPLE retirement plan? - correct answer -100 Which of the following statements do...

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Xcel chapter exam 2023 with 100% correct answers

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Which of the following is a contract that involves one party which indemnifies another when a loss arises from an unknown event? - correct answer -Insurance policy Which of the following is NOT a characteristic of reinsurance? - correct answer -Increases the unearned premium reserve Which of t...

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XCEL Chapter 1 Exam 2023 with 100% correct answers

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Stock insurer - correct answer -A non-participating company is also called Insurance policy - correct answer -Contract that involves one party which indemnifies another when a loss arises from an unknown event Mutual - correct answer -A type of insurer that is owned by its policy owners is cal...

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XCEL Arizona Life and Health Insurance State Exam 2023 with 100% correct answers

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Under a long-term care inflation rider, the benefit levels - correct answer -periodically increase without proof of insurability In order for a health plan to be an "accountable health plan", who has to approve it? - correct answer -the director Medicare Part A coinsurance payments are cover...

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XCEL North Carolina Testing Life & Health Insurance Exam 2023 with 100% correct answers

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Which of the following requires insurers to disclose when an applicant's consumer or credit history is being investigated: - correct answer -1970 - Fair Credit Reporting Act What type of reinsurance contract involves two companies automatically sharing their risk exposure? - correct answer -Trea...

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