XCEL TEXAS PRE-LICENSING EDUCATION –
LIFE & HEALTH INSURANCE GLOSSARY
2026 | COMPLETE STUDY GUIDE &
PRACTICE QUESTIONS
| GRADED A+ | GUARANTEED SUCCESS
Updated 2026 Questions and Answers
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,Accidental death and Insurance providing payment if the insured's
dismemberment (AD&D) death results from an accident, if the insured
accidentally severs a limb above the wrist or
ankle joints, or totally and irreversibly loses
eyesight.
Accidental death benefit rider A life insurance policy rider providing for
payment of an additional benefit when death
occurs by accidental means.
Accidental dismemberment Often defined as "the severance of limbs at or
above the wrists or ankle joints, or the entire
irrevocable loss of sight." Loss of use in itself may
or not be considered dismemberment.
,Accidental means provision Unforeseen, unexpected, unintended cause of an
accident. Requirement of an accident-based
policy that the cause of the mishap must be
accidental for any claim to be payable.
Accident and health insurance Under which benefits are payable in case of
disease, accidental injury, or accidental death.
Also called health insurance, personal health
insurance, and sickness and accident insurance.
Accumulation unit Premiums an annuitant pays into annuities are
credited as accumulation units. At the end of the
accumulation period, accumulation units are
converted to annuity units.
, Acquired immune deficiency A life-threatening condition brought on by the
syndrome (AIDS) human immunodeficiency virus; insurers must
adhere to strict underwriting and claims
guidelines in regard to AIDS risks and AIDS-
related conditions.
Acute illness A serious condition, such as pneumonia, from
which the body can fully recover with proper
medical attention.
LIFE & HEALTH INSURANCE GLOSSARY
2026 | COMPLETE STUDY GUIDE &
PRACTICE QUESTIONS
| GRADED A+ | GUARANTEED SUCCESS
Updated 2026 Questions and Answers
100% Verified Exam Prep and Comprehensive
Rationales Included
,Accidental death and Insurance providing payment if the insured's
dismemberment (AD&D) death results from an accident, if the insured
accidentally severs a limb above the wrist or
ankle joints, or totally and irreversibly loses
eyesight.
Accidental death benefit rider A life insurance policy rider providing for
payment of an additional benefit when death
occurs by accidental means.
Accidental dismemberment Often defined as "the severance of limbs at or
above the wrists or ankle joints, or the entire
irrevocable loss of sight." Loss of use in itself may
or not be considered dismemberment.
,Accidental means provision Unforeseen, unexpected, unintended cause of an
accident. Requirement of an accident-based
policy that the cause of the mishap must be
accidental for any claim to be payable.
Accident and health insurance Under which benefits are payable in case of
disease, accidental injury, or accidental death.
Also called health insurance, personal health
insurance, and sickness and accident insurance.
Accumulation unit Premiums an annuitant pays into annuities are
credited as accumulation units. At the end of the
accumulation period, accumulation units are
converted to annuity units.
, Acquired immune deficiency A life-threatening condition brought on by the
syndrome (AIDS) human immunodeficiency virus; insurers must
adhere to strict underwriting and claims
guidelines in regard to AIDS risks and AIDS-
related conditions.
Acute illness A serious condition, such as pneumonia, from
which the body can fully recover with proper
medical attention.
