Xcel 2-15 Florida Life & Health State Exam
Simulator / Q-Bank / Actual Questions &
Certified Solutions / Complete Accurate
Quizzes with Verified Answers / 2025-2026.
Terms in this set (197)
what is considered to be a benefit payments start within one payment period of purchase
characteristic of an immediate 3 multiple choice options
annuity
which of these characteristics premiums are payable for as long as there is insurance
is consistent with a straight coverage in force
life policy
3 multiple choice options
an insureds inability to perform long term care 3 multiple choice options
two or more
activities of daily living may
trigger which type of life
policy rider
pay the amount that the premium would have purchased at
the correct age
B recently died and was
insured with a life insurance
policy for over five years.
During the claims process,
the insurer discovered that B
had understated his age by 5 3 multiple choice options
years at the time of
application. In this situation,
the insurer will
,what action can a policyowner assign policy ownership to the bank
take if an application for a bank
loan requires collateral 3 multiple choice options
what is required in the small group benefit plans are to be issued on a
Florida Employee Health guarantee issue basis
Care Access Act 3 multiple choice options
P is a forty year old woman an immediate annuity 3 multiple choice options
and would like to purchase
an annuity that will provide
a lifetime income stream
beginning at age sixty.
Which of the following did
she NOT buy?
the situation in which a closed panel 3 multiple choice options
group of physicians are
salaried employees and
conduct business in an
hmo facility is called
immediately 3 multiple choice options
T sends proof of loss to her
insurer for an acceptable
medical expense claim
under her individual
Health Insurance policy.
Upon receipt, the insurer
must pay the benefits
,an application for medicare six 3 multiple choice options
supplement coverage may
not be denied by the insurer
if the application was
submitted within ______
month(s) after the applicant
reaches the age 65
when a policyowner cash anti money laundering violation 3 multiple choice options
surrenders a universal life
insurance policy in its early
years, this may be
considered a red flag for
a(n)
When is a Group Health policy at the moment of birth 3 multiple choice options
required to provide coverage
for a newborn child?
which of the following an existing policyholder purchases an additional policy from
situations does not apply to the same insurer
the florida replacement rule
3 multiple choice options
under a renewable term policy the renewal premium is calculated on the basis of the
insured's attained age
3 multiple choice options
extended term 3 multiple choice options
D owns a Whole Life policy
that was purchased
10 years ago. If the
premium payments suddenly
stop and D takes no
additional action, which
Nonforfeiture Option will the
insurer likely proceed with?
, In Florida, which employee is employee who works more than 40 hours per week
eligible for an employer's
group term life plan? 3 multiple choice options
which of the following the employer receives a master policy and the employees
statements is correct receive certificates
regarding an
employer/employee group
3 multiple choice options
health plan
all of the following income derived from the tsa is received income tax free
statements regarding a tax
3 multiple choice options
sheltered annuity (tsa) are
true except
How would a contingent if the primary beneficiary dies bef ore the insured
beneficiary receive the policy
proceeds in an Accidental Death
and Dismemberment (AD&D)
3 multiple choice options
policy?
A student pilot can pay regular aviation exclusion 3 multiple choice options
premium costs for her life
insurance policy with the
addition of which of the
following?
which of these statements is ppos are not a type of managed care systems
incorrect regarding a
preferred provider 3 multiple choice options
organization (ppo)?
twisting involves an agent using misrepresentation to
which of the following is convince a policyowner to cancel their current policy so that
considered an accurate they can purchase a new life insurance policy with another
statement of an unfair
company
trade practice?
3 multiple choice options
Simulator / Q-Bank / Actual Questions &
Certified Solutions / Complete Accurate
Quizzes with Verified Answers / 2025-2026.
Terms in this set (197)
what is considered to be a benefit payments start within one payment period of purchase
characteristic of an immediate 3 multiple choice options
annuity
which of these characteristics premiums are payable for as long as there is insurance
is consistent with a straight coverage in force
life policy
3 multiple choice options
an insureds inability to perform long term care 3 multiple choice options
two or more
activities of daily living may
trigger which type of life
policy rider
pay the amount that the premium would have purchased at
the correct age
B recently died and was
insured with a life insurance
policy for over five years.
During the claims process,
the insurer discovered that B
had understated his age by 5 3 multiple choice options
years at the time of
application. In this situation,
the insurer will
,what action can a policyowner assign policy ownership to the bank
take if an application for a bank
loan requires collateral 3 multiple choice options
what is required in the small group benefit plans are to be issued on a
Florida Employee Health guarantee issue basis
Care Access Act 3 multiple choice options
P is a forty year old woman an immediate annuity 3 multiple choice options
and would like to purchase
an annuity that will provide
a lifetime income stream
beginning at age sixty.
Which of the following did
she NOT buy?
the situation in which a closed panel 3 multiple choice options
group of physicians are
salaried employees and
conduct business in an
hmo facility is called
immediately 3 multiple choice options
T sends proof of loss to her
insurer for an acceptable
medical expense claim
under her individual
Health Insurance policy.
Upon receipt, the insurer
must pay the benefits
,an application for medicare six 3 multiple choice options
supplement coverage may
not be denied by the insurer
if the application was
submitted within ______
month(s) after the applicant
reaches the age 65
when a policyowner cash anti money laundering violation 3 multiple choice options
surrenders a universal life
insurance policy in its early
years, this may be
considered a red flag for
a(n)
When is a Group Health policy at the moment of birth 3 multiple choice options
required to provide coverage
for a newborn child?
which of the following an existing policyholder purchases an additional policy from
situations does not apply to the same insurer
the florida replacement rule
3 multiple choice options
under a renewable term policy the renewal premium is calculated on the basis of the
insured's attained age
3 multiple choice options
extended term 3 multiple choice options
D owns a Whole Life policy
that was purchased
10 years ago. If the
premium payments suddenly
stop and D takes no
additional action, which
Nonforfeiture Option will the
insurer likely proceed with?
, In Florida, which employee is employee who works more than 40 hours per week
eligible for an employer's
group term life plan? 3 multiple choice options
which of the following the employer receives a master policy and the employees
statements is correct receive certificates
regarding an
employer/employee group
3 multiple choice options
health plan
all of the following income derived from the tsa is received income tax free
statements regarding a tax
3 multiple choice options
sheltered annuity (tsa) are
true except
How would a contingent if the primary beneficiary dies bef ore the insured
beneficiary receive the policy
proceeds in an Accidental Death
and Dismemberment (AD&D)
3 multiple choice options
policy?
A student pilot can pay regular aviation exclusion 3 multiple choice options
premium costs for her life
insurance policy with the
addition of which of the
following?
which of these statements is ppos are not a type of managed care systems
incorrect regarding a
preferred provider 3 multiple choice options
organization (ppo)?
twisting involves an agent using misrepresentation to
which of the following is convince a policyowner to cancel their current policy so that
considered an accurate they can purchase a new life insurance policy with another
statement of an unfair
company
trade practice?
3 multiple choice options
