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Xcel Testing Solutions- Life and Health Insurance- Verified Papers For Guaranteed Success
Xcel Testing Solutions- Life and Health Insurance- Verified Papers For Guaranteed Success
[Show more]Xcel Testing Solutions- Life and Health Insurance- Verified Papers For Guaranteed Success
[Show more]XCEL FL TEST STUDY GUIDE Graded A+ 
Which of the following types of health coverage frequently uses a deductible? 
policy 
Major Medical 
What kind of Accidental Death and Dismemberment (AD&D) insurance beneficiary requires his/her 
consent when a change of beneficiary is made? 
Irrevocable be...
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Add to cartXCEL FL TEST STUDY GUIDE Graded A+ 
Which of the following types of health coverage frequently uses a deductible? 
policy 
Major Medical 
What kind of Accidental Death and Dismemberment (AD&D) insurance beneficiary requires his/her 
consent when a change of beneficiary is made? 
Irrevocable be...
Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 
Questions All Graded A+ 
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 ...
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Add to cartXcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 
Questions All Graded A+ 
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 ...
Xcel Life Insurance Exam Graded A+ 
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 an...
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Add to cartXcel Life Insurance Exam Graded A+ 
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 an...
Xcel Life, Accident, Health License Exam Questions Graded A 
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 ...
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Add to cartXcel Life, Accident, Health License Exam Questions Graded A 
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 ...
XCEL Life Only Final Exam CO Complete Answers 
What type of insurance company sells insurance for a profit? Commercial Insurers (Private Insurance 
Companies) 
What type of insurance company sells more than one line of insurance? Multi-line insurer 
What type of companies are organized and inco...
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Add to cartXCEL Life Only Final Exam CO Complete Answers 
What type of insurance company sells insurance for a profit? Commercial Insurers (Private Insurance 
Companies) 
What type of insurance company sells more than one line of insurance? Multi-line insurer 
What type of companies are organized and inco...
XCEL Life Only Final Exam CO Graded A+ 
What type of insurance company sells insurance for a profit? Commercial Insurers (Private Insurance 
Companies) 
What type of insurance company sells more than one line of insurance? Multi-line insurer 
What type of companies are organized and incorporate...
Preview 2 out of 6 pages
Add to cartXCEL Life Only Final Exam CO Graded A+ 
What type of insurance company sells insurance for a profit? Commercial Insurers (Private Insurance 
Companies) 
What type of insurance company sells more than one line of insurance? Multi-line insurer 
What type of companies are organized and incorporate...
XCEL Solutions practice Exam Simulator Complete Answers 
Which of the following statements is CORRECT regarding the tax treatment of a lump-sum payment paid 
to a life insurance policy's primary beneficiary? All proceeds are income tax free in the year they are 
received. 
A(n) _____ insurance ...
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Add to cartXCEL Solutions practice Exam Simulator Complete Answers 
Which of the following statements is CORRECT regarding the tax treatment of a lump-sum payment paid 
to a life insurance policy's primary beneficiary? All proceeds are income tax free in the year they are 
received. 
A(n) _____ insurance ...
Xcel Testing Solutions-Louisiana Life and Health Exam Simulator - 200 
Questions Graded A+ 
A cease and desist order issued against a producer - Suspends the producer's certificate or broker's license - Prevents the producer from receiving commissions - Prohibits a specific practice listed in th...
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Add to cartXcel Testing Solutions-Louisiana Life and Health Exam Simulator - 200 
Questions Graded A+ 
A cease and desist order issued against a producer - Suspends the producer's certificate or broker's license - Prevents the producer from receiving commissions - Prohibits a specific practice listed in th...
Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 
Questions 
A cease and desist order issued against a producer ️Prohibits a specific practice listed in the order 
A cease and desist order issued against a producer prohibits a specific practice listed in the order. 
A cla...
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Add to cartXcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 
Questions 
A cease and desist order issued against a producer ️Prohibits a specific practice listed in the order 
A cease and desist order issued against a producer prohibits a specific practice listed in the order. 
A cla...
XCEL Chapter 11 - Laws and Rules Graded A+ 
________ is the authority given to a producer to sell, solicit, or negotiate insurance on behalf of the 
insurer. ️Appointment 
A Buyer's Guide and Policy Summary ️must be delivered with or prior to policy delivery 
A Buyer's Guide MUST ️have it'...
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Add to cartXCEL Chapter 11 - Laws and Rules Graded A+ 
________ is the authority given to a producer to sell, solicit, or negotiate insurance on behalf of the 
insurer. ️Appointment 
A Buyer's Guide and Policy Summary ️must be delivered with or prior to policy delivery 
A Buyer's Guide MUST ️have it'...
Xcel Ch 19 Laws And Rules 
1. Group Dental Plans: Often place a limit on annual benefits to minimize adverse selection. 
2. Medicare Supplement Policy in Michigan: Must provide intermediate and outpatient care for 
substance abuse, be guaranteed renewable, and have a 30-day free-look period. It i...
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Add to cartXcel Ch 19 Laws And Rules 
1. Group Dental Plans: Often place a limit on annual benefits to minimize adverse selection. 
2. Medicare Supplement Policy in Michigan: Must provide intermediate and outpatient care for 
substance abuse, be guaranteed renewable, and have a 30-day free-look period. It i...
Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 
150 Questions 
Key Insurance Concepts and Answers 
1. Do Not Call Registry Exemptions: - Exemption(s): Charities, political organizations, and surveys - Not Exempt: Insurance sales calls 
2. Cancelable Policy: - A policy that all...
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Add to cartXcel Testing Solutions- Life and Health Insurance- Weighted Exam- 
150 Questions 
Key Insurance Concepts and Answers 
1. Do Not Call Registry Exemptions: - Exemption(s): Charities, political organizations, and surveys - Not Exempt: Insurance sales calls 
2. Cancelable Policy: - A policy that all...
Insurance license practice XCEL solutions FINAL EXAM #12 - 
Texas life only 
Insurance Questions and Answers 
1. Settlement Option: 
Answer: Life income - This option pays a stated amount to an annuitant but provides no residual value to a beneficiary. 
2. Continuing Education Requirement ...
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Add to cartInsurance license practice XCEL solutions FINAL EXAM #12 - 
Texas life only 
Insurance Questions and Answers 
1. Settlement Option: 
Answer: Life income - This option pays a stated amount to an annuitant but provides no residual value to a beneficiary. 
2. Continuing Education Requirement ...
Xcel Life Insurance Exam Already Graded A+ 
Insurance Questions and Answers 
1. Replacement Regulation Purpose: 
Answer: Policyowners from misrepresentation and loss of benefits - This regulation aims to protect policyholders from deceptive practices when replacing existing 
policies. 
2. H...
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Add to cartXcel Life Insurance Exam Already Graded A+ 
Insurance Questions and Answers 
1. Replacement Regulation Purpose: 
Answer: Policyowners from misrepresentation and loss of benefits - This regulation aims to protect policyholders from deceptive practices when replacing existing 
policies. 
2. H...
Xcel Life, Accident, Health License Exam Questions 
Who is not eligible for Social Security survivor benefits? 
A. Full-time students under the age of 19 
B. Dependent parents of a deceased worker, regardless of age 
C. A widow at any age caring for children younger than 16 
D. A widow ...
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Add to cartXcel Life, Accident, Health License Exam Questions 
Who is not eligible for Social Security survivor benefits? 
A. Full-time students under the age of 19 
B. Dependent parents of a deceased worker, regardless of age 
C. A widow at any age caring for children younger than 16 
D. A widow ...
Xcel Testing Solutions (Life & Health) Final 150 Question Practice 
Exam 
When can a policyowner change a revocable beneficiary? 
Answer: Anytime. 
M purchased an Accidental Death and Dismemberment (AD&D) policy and designated his son as the 
beneficiary. What type of beneficiary is his son, ...
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Add to cartXcel Testing Solutions (Life & Health) Final 150 Question Practice 
Exam 
When can a policyowner change a revocable beneficiary? 
Answer: Anytime. 
M purchased an Accidental Death and Dismemberment (AD&D) policy and designated his son as the 
beneficiary. What type of beneficiary is his son, ...
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Add to cartXCel 2-15 florida life & health state exam simulator graded A+ 
What is considered a characteristic of an immediate annuity? 
️ Benefit payments start within one payment period of purchase. 
Which of these characteristics is consistent with a straight life policy? 
️ Premiums are payable...
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Add to cartXCel 2-15 florida life & health state exam simulator graded A+ 
What is considered a characteristic of an immediate annuity? 
️ Benefit payments start within one payment period of purchase. 
Which of these characteristics is consistent with a straight life policy? 
️ Premiums are payable...
North Carolina XCEL Testing Life & Health Insurance Exam 
Study 
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 automat...
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Add to cartNorth Carolina XCEL Testing Life & Health Insurance Exam 
Study 
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 automat...
XCEL FL TEST STUDY GUIDE VERIFIED ANSWERS 
Which of the following types of health coverage frequently uses a deductible? 
️ Major Medical policy. 
What kind of Accidental Death and Dismemberment (AD&D) insurance beneficiary requires consent 
when a change of beneficiary is made? 
️ Irre...
Preview 3 out of 20 pages
Add to cartXCEL FL TEST STUDY GUIDE VERIFIED ANSWERS 
Which of the following types of health coverage frequently uses a deductible? 
️ Major Medical policy. 
What kind of Accidental Death and Dismemberment (AD&D) insurance beneficiary requires consent 
when a change of beneficiary is made? 
️ Irre...
XcelSolutions Pennsylvania Insurance Test Verified Guide 
Stock Insurer 
️ A nonparticipating company is sometimes referred to as a stock insurer. 
Insurance Sales Calls 
️ The Do Not Call Registry offers exemptions for calls placed from all the following EXCEPT: 
telemarketers selling ...
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Add to cartXcelSolutions Pennsylvania Insurance Test Verified Guide 
Stock Insurer 
️ A nonparticipating company is sometimes referred to as a stock insurer. 
Insurance Sales Calls 
️ The Do Not Call Registry offers exemptions for calls placed from all the following EXCEPT: 
telemarketers selling ...
Xcel Practice Chapter Exam Complete Solutions 
A whole life insurance policyowner does not wish to continue making premium payments. Which of the 
following allows the policyowner to sell the policy for more than its cash value? 
️ Life-Settlement Contract. 
P owns a $25,000 life policy that...
Preview 3 out of 16 pages
Add to cartXcel Practice Chapter Exam Complete Solutions 
A whole life insurance policyowner does not wish to continue making premium payments. Which of the 
following allows the policyowner to sell the policy for more than its cash value? 
️ Life-Settlement Contract. 
P owns a $25,000 life policy that...
XCEL Chapter 1 Exam Review Graded A+ 
Stock insurer 
️ A non-participating company is also called a stock insurer. 
Insurance policy 
️ A contract that involves one party indemnifying another when a loss results from an unknown 
event. 
Mutual 
️ A type of insurer that is owned by...
Preview 1 out of 3 pages
Add to cartXCEL Chapter 1 Exam Review Graded A+ 
Stock insurer 
️ A non-participating company is also called a stock insurer. 
Insurance policy 
️ A contract that involves one party indemnifying another when a loss results from an unknown 
event. 
Mutual 
️ A type of insurer that is owned by...
XCEL Solutions Life and Health License Exam (CA) Complete 
Solutions 
A saving vehicle designed to first accumulate funds and then systematically liquidate the funds 
️ Deferred annuity. 
An annuity backed by a life insurer's separate account 
️ Variable Annuity. 
Cindy buys a 10-year...
Preview 3 out of 19 pages
Add to cartXCEL Solutions Life and Health License Exam (CA) Complete 
Solutions 
A saving vehicle designed to first accumulate funds and then systematically liquidate the funds 
️ Deferred annuity. 
An annuity backed by a life insurer's separate account 
️ Variable Annuity. 
Cindy buys a 10-year...
XCEL - NY - Exam Simulator 1 Verified Guide 
Jonas is a whole life insurance policyholder and would like to add coverage for his two children. Which 
of the following products would allow him to do this? 
️ Child Term Rider. 
Lisa has recently bought a fixed annuity. Which of these is consid...
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Add to cartXCEL - NY - Exam Simulator 1 Verified Guide 
Jonas is a whole life insurance policyholder and would like to add coverage for his two children. Which 
of the following products would allow him to do this? 
️ Child Term Rider. 
Lisa has recently bought a fixed annuity. Which of these is consid...
Xcel Laws and Rules Pertinent to Insurance Guaranteed Success 
1. What must an agent sign when an existing Life Insurance policy is being reissued with a reduction in 
cash value? - A) Policy Summary - B) Buyer’s Guide - C) Affidavit - D) ️ Notice Regarding Replacement of Life Insuranc...
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Add to cartXcel Laws and Rules Pertinent to Insurance Guaranteed Success 
1. What must an agent sign when an existing Life Insurance policy is being reissued with a reduction in 
cash value? - A) Policy Summary - B) Buyer’s Guide - C) Affidavit - D) ️ Notice Regarding Replacement of Life Insuranc...
EXCEL Practice Exam Graded A+ 
1. A licensed agent who lives in another state and transacts insurance in Ohio is called: - A) Foreign agent - B) Special agent - C) ️ Nonresident agent - D) Unauthorized agent 
2. Which of these factors is NOT taken into account when determining an appli...
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Add to cartEXCEL Practice Exam Graded A+ 
1. A licensed agent who lives in another state and transacts insurance in Ohio is called: - A) Foreign agent - B) Special agent - C) ️ Nonresident agent - D) Unauthorized agent 
2. Which of these factors is NOT taken into account when determining an appli...
XCEL Solutions Already Graded A+ 
1. A nonparticipating company is sometimes called a: - A) ️ Stock insurer - B) Mutual insurer - C) Fraternal insurer - D) Reinsurer 
2. Fraternal Benefit Society has each of the following characteristics except: - A) Nonprofit status - B) Membershi...
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Add to cartXCEL Solutions Already Graded A+ 
1. A nonparticipating company is sometimes called a: - A) ️ Stock insurer - B) Mutual insurer - C) Fraternal insurer - D) Reinsurer 
2. Fraternal Benefit Society has each of the following characteristics except: - A) Nonprofit status - B) Membershi...
Xcel Texas Pre-licensing Education - Life and Health Insurance 
Insurance Glossary 
1. Absolute assignment 
️ Policy assignment under which the assignee (person to whom the policy is assigned) receives full 
control over the policy and also full rights to its benefits. Generally, when a poli...
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Add to cartXcel Texas Pre-licensing Education - Life and Health Insurance 
Insurance Glossary 
1. Absolute assignment 
️ Policy assignment under which the assignee (person to whom the policy is assigned) receives full 
control over the policy and also full rights to its benefits. Generally, when a poli...
Final Exam XCEL VA 
1. The free-look period for a new Medicare Supplement policy is: 
️ 30 days 
2. Al surrenders his life insurance policy for its cash value. The total of the premiums paid into the policy 
minus total dividends received in cash or used to offset premiums is referred to as ...
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Add to cartFinal Exam XCEL VA 
1. The free-look period for a new Medicare Supplement policy is: 
️ 30 days 
2. Al surrenders his life insurance policy for its cash value. The total of the premiums paid into the policy 
minus total dividends received in cash or used to offset premiums is referred to as ...
XCEL Chapter 11 Chapter Exam 
1. Maria the insurance producer completes a sale by collecting the required signatures on the 
application and obtaining the initial premium. Afterwards, she deposited the check into a personal 
checking account. Maria committed what crime? 
️ Fraud 
2. Making ...
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Add to cartXCEL Chapter 11 Chapter Exam 
1. Maria the insurance producer completes a sale by collecting the required signatures on the 
application and obtaining the initial premium. Afterwards, she deposited the check into a personal 
checking account. Maria committed what crime? 
️ Fraud 
2. Making ...
XCEL Chapter 2 - Nature of Insurance Already Graded A+ 
1. How do insurers predict the increase of individual risks? 
️ Law of large numbers 
2. Which of the following is considered to be an event or condition that increases the probability of an 
insured's loss? 
️ Hazard 
3. An exam...
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Add to cartXCEL Chapter 2 - Nature of Insurance Already Graded A+ 
1. How do insurers predict the increase of individual risks? 
️ Law of large numbers 
2. Which of the following is considered to be an event or condition that increases the probability of an 
insured's loss? 
️ Hazard 
3. An exam...
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