Maryland XCEL Solutions Life & Health Insurance | Questions with Verified Answers | 100% Correct| Latest 2025/2026.

Maryland XCEL Solutions Life &
Health Insurance | Questions with
Verified Answers | 100% Correct|
Latest 2025/2026.

Question:

What is normally the consequence for NOT obtaining preadmission
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certification prior to receiving inpatient medical care??
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Answer:

A reduction in benefits
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Question:
A group-owned insurance company that is formed to assume and spread
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the liability risks of its members is known as a?
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Answer:

Risk retention group
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Question:
During the application process, a statement made by an applicant that
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becomes part of the contract is considered to be a(n)?
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Answer:

Warranty

, Question:

What is taken into consideration when defining "total disability" in a
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disability income insurance policy??
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Answer:

The insured's education, training and expirence
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Question:

Sarah, age 88, is a life annuitant who has lived beyond her life expectancy.
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The funds for additional benefit payments will be derived primarily from
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funds that were?
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Answer:

not distributed to life annuitants who died before life expectancy
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Question:
Which type of policy can group term life insurance normally be converted
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to??
Answer:

An individual permanent life insurance policy
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Question:
Impatient psychiatric care is covered under Part A Medicare insurance for
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190 days per?
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Answer:

Lifetime