XCEL Chapter 7 (CA Life, Accident, & Health) Q&A/ . Terms like
According to PPACA, what is a health benefits exchange? - Answer: An entity to which individuals and small businesses can have access to affordable health coverage
Which word implies permissiveness according to the California Insu...
XCEL Chapter 7 (CA Life, Accident, & Health)
Q&A/ 2024-2025.
According to PPACA, what is a health benefits exchange? - Answer: An entity to
which individuals and small businesses can have access to affordable health
coverage
Which word implies permissiveness according to the California Insurance Code? -
Answer: May
Which of the following does the California Insurance Code NOT require an
insurance policy to specify? - Answer: Insurer's financial rating
How many "activities of daily living" must an insured be UNABLE to perform in
order to meet the chronically ill requirement of a Long-Term Care policy? -
Answer: Minimum of two activities of daily living
Page 1 of 7
, Which of the following is NOT considered to be an unfair claims settlement
practice? - Answer: Advising a claimant to hire an attorney
A person who asserts a right of recovery under an insurance policy is called -
Answer: claimant
What is required after a life agent sells an insurance policy to an applicant without
being appointed by the insurer? - Answer: Notice of appointment must be
submitted to the Commissioner
The California Insurance Code defines "policy" as a(n) - Answer: written contract
The cost of services charged by the Health Insurance Counseling Advocacy
Program (HI Cap) is - Answer: no cost
Which of the following is NOT covered by the Family and Medical Leave Act
(FMLA)? - Answer: Traveling overseas with a spouse
Which of the following acts is NOT a federal offense committed by an insurance
agent? - Answer: Misrepresentation on an insurance application
Which of the following is NOT a primary objective of insurance regulation? -
Answer: Interpret policy provisions
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