California XCEL Solutions Life, Accident & Health Insurance Pre-Licensing | Questions with Verified Answers | 100% Correct| Latest 2025/2026.

California XCEL Solutions Life, Accident
& Health Insurance Pre-Licensing |
Questions with Verified Answers | 100%
Correct| Latest 2025/2026.

Question:
When an insurance company requests an attending physician's report, the
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request must be accompanied by a?
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Answer:

Copy of the signed authorization
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Question:
Which of the following is NOT a required uniform provision in individual
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health policies??i,-




Answer:

Change of occupation i,- i,-




Question:

"Life insurance creates an immediate estate". This phrase means?
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Answer:

When the insured dies, a death benefit is paid
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Question:

,A person who asserts a right of recovery under an insurance policy is
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called?
Answer:

Claimant


Question:
Before an insurer is allowed to test an individual for HIV, what must be
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completed??
Answer:

Consent Form i,-




Question:

Jim is the insured on a health insurance policy and holds 2 jobs. If
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"occupation" is used to classify the risk, the insurer will most likely classify
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Jim according to the occupation that?
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Answer:

is most hazardous
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Question:

Under a long-term care insurance policy, adult day care coverage will
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provide for? i,-




Answer:

part time care at a facility for elderly individuals who live at home
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Question:

,Which of the following is NOT true regarding a family policy that covers
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children??
Answer:

Conversion of child's coverage to permanent insurance requires evidence
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of insurability
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Question:

How long is a person expected to be disabled in order to receive Social
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Security disability benefits??
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Answer:

12 months
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Question:

Which of the following describes the number of deaths in a year
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compared to the number of people in a select group??
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Answer:

Mortality rate i,-




Question:

Which of the following is NOT required in the content of a policy??
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Answer:

Probability of loss i,- i,-




Question:

, Jim is applying to become an insurance agent and has a past
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misdemeanor conviction that was later expunged due to California Penal
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Code 1203.4. Which of the following statements is correct??
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Answer:

Jim must still disclose the conviction on his insurance license application
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Question:

Which of the following is a life insurance policy that does NOT require a
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physical exam?? i,-




Answer:

Non-medical



Question:

The insurer has the option of terminating a health insurance policy on a
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date stated in the contract. What type of policy is this??
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Answer:

Optionally renewable i,-




Question:

An individual that has 40 quarters of coverage, for Social Security
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purposes, is considered to be? i,- i,- i,- i,-




Answer:

Fully insured i,-




Question: