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Xcel Bundled Exams with Complete Solution | Verified | Guaranteed Success
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[Show more]Xcel Bundled Exams with Complete Solution | Verified | Guaranteed Success
[Show more]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 o...
Preview 2 out of 14 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 o...
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 3 out of 22 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 ...
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 prov...
Preview 3 out of 30 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 prov...
2x sold
An earned premium resulting from the cancellation of a policy is calculated on: - On a pro rata basis, 
based on the previous year's rate 
M owns a parking garage & has coverage that states: "We will cover losses regardless if you are legally 
liable for the loss." This no-fault ideology will be ...
Preview 2 out of 12 pages
Add to cartAn earned premium resulting from the cancellation of a policy is calculated on: - On a pro rata basis, 
based on the previous year's rate 
M owns a parking garage & has coverage that states: "We will cover losses regardless if you are legally 
liable for the loss." This no-fault ideology will be ...
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 insured...
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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 insured...
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 policyowner may change two policy features on what type of life insurance? 
A. Adjustable L...
Preview 3 out of 17 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 policyowner may change two policy features on what type of life insurance? 
A. Adjustable L...
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...
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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...
A potential client, age 40, would like to purchase a Whole Life policy that will accumulate cash value at a 
faster rate in the early years of the policy. Which of these statements made by the producer would be 
correct? - 20-Pay Life accumulates cash value faster than Straight Life 
A variable insu...
Preview 3 out of 23 pages
Add to cartA potential client, age 40, would like to purchase a Whole Life policy that will accumulate cash value at a 
faster rate in the early years of the policy. Which of these statements made by the producer would be 
correct? - 20-Pay Life accumulates cash value faster than Straight Life 
A variable insu...
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 2 out of 15 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...
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 7 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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