Xcel solutions test - Study guides, Class notes & Summaries
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XCEL FL TEST STUDY GUIDE WITH COMPLETE SOLUTIONS
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XCEL FL TEST STUDY GUIDE WITH 
COMPLETE SOLUTIONS 
Which of the following types of health coverage frequently uses a 
deductible? - Answer️️ -Major Medical policy 
What kind of Accidental Death and Dismemberment (AD&D) insurance 
beneficiary requires his/her consent when a change of beneficiary is made? 
- Answer️️ -Irrevocable beneficiary 
If a 10-Year Term Life policy contains a Renewability provision, the policy 
will renew - Answer️️ -without evidence of insurability 
Under Flori...
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XCEL Chapter 5 Test with Compete Solutions (2)
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XCEL Chapter 5 Test with Compete Solutions (2) 
 
A non-contributory health insurance plan helps the insurer avoid? 
A.	adverse selection 
B.	state compliance 
C.	the underwriting process 
D.	tax deductions - Answer-adverse selection 
 
All of the following are characteristics of a Group Life Insurance Plan EXCEPT? 
A.	Group underwriting 
B.	Master contract 
C.	Individual underwriting 
D.	Probationary period - Answer-Individual underwriting 
 
What does the Group Life underwriting risk selection...
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XCEL Test Solutions Top Forecasted Exam Questions And CORRECT Answers
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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 EXCEPTWaiver of 
Premium 
A health insurance policy where the insurer has the right to terminate the policy fr reasons 
other than the insureds health is calledConditionally Renewable 
A proposed insured for a health insurance policy was treated for heart disease within the past 
year. When applying for health insurance, the heart disease tre...
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XCEL TESTING SOLUTIONS CALIFORNIA PRE-LICENSING EDUCATION - LIFE, ACCIDENT AND HEALTH INSURANCE
- Exam (elaborations) • 14 pages • 2024
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XCEL TESTING SOLUTIONS CALIFORNIA PRE-LICENSING 
EDUCATION - LIFE, ACCIDENT AND HEALTH INSURANCE 
When an insurance company requests an attending physician's report, the request must be 
accompanied by a - Answer ️️ -Copy of the signed authorization 
Which of the following is NOT a required uniform provision in individual health policies? - 
Answer ️️ -Change of occupation 
"Life insurance creates an immediate estate". This phrase means - Answer ️️ -When the 
insured dies, a death...
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XCEL Test Solutions Key Compulsory Exam Questions And CORRECT Answers
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What is a participating life insurance policy/ Contract that allows the policyowner to 
receive a share of surplus in the form of policy dividends 
An insurer owned by its policyholders is called a Mutual insurer 
An insurer enters into a contract with a third party to insure itself against losses from 
insurance policies it issues. What is this agreement called? reinsurance 
which type of insurance is it where the insurer transfers loss exposures from policies written 
for its insureds reins...
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BUNDLED XCEL TEST LIFE & HEALTH EXAM QUESTIONS WITH COMPLETE SOLUTIONS VERIFIED
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BUNDLED XCEL TEST LIFE & HEALTH EXAM QUESTIONS WITH COMPLETE SOLUTIONS VERIFIED
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XCEL TESTING SOLUTIONS CALIFORNIA PRE-LICENSING EDUCATION - LIFE, ACCIDENT AND HEALTH INSURANCE
- Exam (elaborations) • 14 pages • 2024
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XCEL TESTING SOLUTIONS CALIFORNIA PRE-LICENSING 
EDUCATION - LIFE, ACCIDENT AND HEALTH INSURANCE 
When an insurance company requests an attending physician's report, the request must be 
accompanied by a - Answer ️️ -Copy of the signed authorization 
Which of the following is NOT a required uniform provision in individual health policies? - 
Answer ️️ -Change of occupation 
"Life insurance creates an immediate estate". This phrase means - Answer ️️ -When the 
insured dies, a death...
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XCEL SOLUTIONS PENNSYLVANIA INSURANCE TEST | QUESTIONS & ANSWERS (VERIFIED) | LATEST UPDATE | GRADED A+
- Exam (elaborations) • 63 pages • 2024
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A nonparticipating company is sometimes called a 
Correct Answer: Stock Insurer 
The Do Not Call Registry offers exemptions for calls placed from all the following 
EXCEPT 
Correct Answer: Insurance Sales Calls 
Ken is a producer who has obtained Consumer Information Reports under false 
pretenses. Under the Fair Credit Reporting Act, what is the maximum penalty that may 
be imposed on Ken? 
Correct Answer: $5,000 
A plan in which an employer pays insurance benefits from a fund derived from th...
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XCEL TEST LIFE & HEALTH EXAM QUESTIONS WITH COMPLETE SOLUTIONS VERIFIED
- Exam (elaborations) • 6 pages • 2024
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XCEL TEST LIFE & HEALTH EXAM QUESTIONS WITH COMPLETE SOLUTIONS VERIFIED 
 
 
A policy that becomes a Modified Endowment Contract (MEC): 
will loose many of its tax advantages 
All of these are characteristics of an Adjustable Life policy, EXCEPT: 
face amount can be adjusted using policy dividends 
The most important factor to consider when determining whether to convert term insurance at the insured's attained age or the insured's original age is: 
the cost 
F needs life insurance that provi...
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XCEL TESTING SOLUTIONS CALIFORNIA PRE-LICENSING EDUCATION - LIFE, ACCIDENT AND HEALTH INSURANCE
- Exam (elaborations) • 14 pages • 2024
- Available in package deal
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- $12.49
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XCEL TESTING SOLUTIONS CALIFORNIA PRE-LICENSING 
EDUCATION - LIFE, ACCIDENT AND HEALTH INSURANCE 
When an insurance company requests an attending physician's report, the request must be 
accompanied by a - Answer ️️ -Copy of the signed authorization 
Which of the following is NOT a required uniform provision in individual health policies? - 
Answer ️️ -Change of occupation 
"Life insurance creates an immediate estate". This phrase means - Answer ️️ -When the 
insured dies, a death...
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