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Xcel Testing Solutions-Louisiana Life and Health Exam Simulator - 200 Questions with 100% Correct solutions

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Xcel Testing Solutions-Louisiana Life and Health Exam Simulator - 200 Questions with 100% Correct solutions Which dividend option would an insurer invest the policy owner's money and add any interest earnings as the dividends accrue? -Accumulation at Interest Option -Cash Dividend Option -Paid-Up Additions Option -One-Year Term Dividend Option - Correct Answer ️️ -The Accumulation at Interest Option - invests the policy owner's money and adds interest earnings to the initial amou...

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Xcel solutions final exam questions and answers

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Xcel solutions final exam questions and answers Insuring Which health policy clause specifies the amount of benefits to be paid - Correct Answer ️️ -Insuring The investment gains from a universal life policy usually go to - Correct Answer ️️ -The cash value L takes out a life insurance policy and dies 10 years later. During the claim process, the insurer finds out that the applicant misstated their age. What will the insurer do? - Correct Answer ️️ -Adjust the death benefit to...

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Xcel Final Exam Questions and Answers 100% Pass

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XCEL Final Exam Questions and Answers 100% Pass

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XCEL Final Exam Questions and Answers 100% Pass What kind of life insurance beneficiary requires his/her consent when a change of beneficiary is made? - Correct Answer ️️ -Irrevocable beneficiary When can a policy-owner change a revocable beneficiary? - Correct Answer ️️ - Anytime K has a life insurance policy where her husband is beneficiary and her daughter is contingent beneficiary. Under the Common Disaster clause, if K and her husband are both killed in an automobile accident...

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XCEL Solutions Practice Exam Questions and Answers

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XCEL Solutions Practice Exam Questions and Answers a nonparticipating company is sometimes called a - Correct Answer ️️ -stock insurer Fraternal Benefit Society has each other the following characteristics except - Correct Answer ️️ -exist for profit The Fair Credit and Reporting Act's main purpose is to - Correct Answer ️️ -protect consumers with guidelines regarding credit reporting and distribution A life insurance company has transferred some of its risk to another insure...

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Xcell Testing Solutions (Life & Health) Final 150 Question Practice Exam Questions and Answers 100% Pass

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Xcell Testing Solutions (Life & Health) Final 150 Question Practice Exam Questions and Answers 100% Pass When can a policy owner change a revocable beneficiary? - Correct Answer ️️ - Anytime M purchased an Accidental Death and Dismemberment (AD&D) policy and named his son as beneficiary. M has the right to change the beneficiary designation at anytime. What type of beneficiary is his son? - Correct Answer ️️ -Revocable How would a contingent beneficiary receive the policy proceeds...

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Xcel Solutions Property & Casualty Exam Questions and Answers

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Xcel Solutions Property & Casualty Exam Questions and Answers An earned premium resulting from the cancellation of a policy is calculated on: - Correct Answer ️️ -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 found under: - Correct Answer ️️ -Excess Direct Coverage An insurance company writing business in a state o...

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Xcel Life Insurance Exam Practice Questions and Answers

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Xcel Life Insurance Exam Practice Questions and Answers Replacement regulation is designed to protect - Correct Answer ️️ -Policyowners from mirepresentation and loss of benefits All Health Benefit Plans issued after January 1, 2014 must provide - Correct Answer ️️ -Preventative health services Which of these will have the highest monthly payout upon annuitization - Correct Answer ️️ -Straight life Which of the following is included in the entire contract according ti the ent...

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XCEL Solutions Practice Exam Questions and Answers

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XCEL Solutions Practice Exam Questions and Answers Reserve - Correct Answer ️️ -funds held by the company to help future claims. minimum reserves are usually set by the state Department of Insurance. Multi-line insurer - Correct Answer ️️ -an insurance company or independent agent that provides a one-stop shop for businesses or individuals seeking coverage for all their insurance needs. For example, many large insurers offer individual policies for automobile, homeowner, long-term ...

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Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 Questions with 100% Correct Solutions

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Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 Questions with 100% Correct Solutions The Do Not Call Registry offers exemptions for calls placed from all of the following EXCEPT - Correct Answer ️️ -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 the policy has been cancelled in the middle of the term is called...

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