Xcel practice chapter - Study guides, Class notes & Summaries
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XCEL Chapter 2 - Nature of Insurance Exam Practice Questions and Answers (100% Pass)
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XCEL Chapter 2 - Nature of Insurance Exam Practice 
Questions and Answers (100% Pass) 
How do insurers predict the increase of individual risks? - Answer️️ -Law 
of large numbers 
Which of the following is considered to be an event or condition that 
increases the probability of an insured's loss? - Answer️️ -Hazard 
An example of risk sharing would be - Answer️️ -Doctors pooling their 
money to cover malpractice exposures 
All of the following are examples of pure risk EXCEPT? - An...
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XCEL Chapter 11 chapter exam Practice Questions and Answers
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XCEL Chapter 11 chapter exam Practice 
Questions and Answers 
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? - Answer️️ -Fraud 
Making a statement that is false and maliciously critical of the financial 
condition of the insurer is known as - Answer️️ -Defamation 
Which of the following statements i...
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XCEL Chapter 11 - Laws and Rules Graded A+
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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's content approved by the commissioner 
A domestic insurance company in Maryland MUST ️be formed under Maryland insurance laws 
A licensee must notify the Commissioner of an address change within __...
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XCEL Chapter 11 - Laws and Rules Final Exam.
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XCEL Chapter 11 - Laws and Rules Final Exam. 
 
 
In Maryland, an insurance producer cannot sell, solicit, or negotiate policies for an insurer unless there is an agreement in place between the producer and insurer. This agreement is called a(n) - CORRECT ANSWER appointment 
 
what kind of insurance provides coverage for one or more necessary or appropriate diagnostic, preventive, therapeutic, rehabilitative, maintenance, or personal care services in a setting order than an acute care unit of a ...
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XCEL Chapter 1 Exam Review Practice Questions and Answers
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XCEL Chapter 1 Exam Review Practice 
Questions and Answers 
Stock insurer - Answer️️ -A non-participating company is also called 
Insurance policy - Answer️️ -Contract that involves one party which 
indemnifies another when a loss arises from an unknown event 
Mutual - Answer️️ -A type of insurer that is owned by its policy owners is 
called 
Because dividends are considered to be a return of premium - Answer️️ - 
Why are dividends from a mutual insurer not subject to taxation? 
...
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XCEL Chapter 7 questions and answers graded A+ 2023
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XCEL Chapter 7 questions and answers graded A+ 2023 
 
The California Insurance Code defines "policy" as a(n) 
written contract 
The cost of services charged by the Health Insurance Counseling Advocacy Program (HiCap) is 
no cost 
Which of the following is NOT covered by the Family and Medical Leave Act (FMLA)? 
Traveling overseas with a spouse 
Which of the following acts is NOT a Federal offense committed by an insurance agent? 
Misrepresentation on an insurance application 
Which of the fol...
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XCEL Chapter 7 Questions and Answers 2023
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XCEL Chapter 7 Questions and Answers 2023 
The California Insurance Code defines "policy" as a(n) 
written contract 
 
 
 
The cost of services charged by the Health Insurance Counseling Advocacy Program (HiCap) is 
no cost 
 
 
 
Which of the following is NOT covered by the Family and Medical Leave Act (FMLA)? 
Traveling overseas with a spouse 
 
 
 
Which of the following acts is NOT a Federal offense committed by an insurance agent? 
Misrepresentation on an insurance application 
 
 
 
Whic...
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Xcel comprehensive of life and health insurance Final Exam_ 2022/2032.
- Summary • 24 pages • 2023
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Xcel comprehensive of life and health insurance Final Exam_ 2022/2032. 
 
Typically, Long-Term Disability benefits are coordinated with which benefit plan? 
 
The focus of major medical insurance is providing coverage for 
 
An insured under a Major Medical expense plan with a zero deductible and 80/20 coinsurance provision files a $1,000 claim. How much of this claim is the insured responsible for? 
 
An insured has a stop-loss limit of $5,000 and an 80/20 coinsurance. The insured incurs $25...
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Xcel Practice Chapter Exam 2023 Questions and Answers with complete solution
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Xcel Practice Chapter Exam 2023 Questions and Answers with complete solution
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Xcel Practice Chapter Exam 2023 Solved 100% Correct
- Exam (elaborations) • 12 pages • 2023
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A whole life insurance policyownet foes not wish to continue making premium payments. Which of the following enables the policyowner to call the policy for more than its cash value? - ANSWER-Life-Settlement Contract 
 
P owns a 25,000 Life policy that pays the face amount to him if he lives to age 70, or to his beneficiary if he dies before age 70. What kind of policy does P own? - ANSWER-Endowment at Age 70 
 
Which type of life policy contains a monthly mortality charge as well as self-directe...
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