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

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

Question:

An insurance agent is guilty of _____ if the agent misrepresents a policy to
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induce a policyowner to surrender an existing policy.?
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Answer:

twisting



Question:
As a condition for a loan, a bank requires the borrower to purchase credit
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insurance from a specific company. What is the bank guilty of??
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Answer:

Coercion



Question:
In Georgia, monthly-premium accident and sickness insurance policies
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must provide a grace period of at least?
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Answer:

10 days
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,Question:

Defamation occurs when an agent makes a false statement intended to?
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Answer:

malign another insurer i,- i,-




Question:

The coordination of benefits (COB) provision exists in order to?
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Answer:

avoid duplication of benefit payments
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Question:

During the application process, the agent's primary responsibility is to?
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Answer:

the insurance company
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Question:
Upon reaching the limiting age, a handicapped child can extend their
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accident and sickness insurance coverage as a dependent?
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Answer:

only if the child is incapable of employment and chiefly dependent on the
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policyowner


Question:

,When is a group accident and health policy required to provide coverage
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for a newborn child??
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Answer:

At the moment of birth
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Question:
In Georgia, which of the following statements is CORRECT about life
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insurance advertisements?? i,-




Answer:

An insurance agency is responsible for advertisements placed by its
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insurance agents i,-




Question:

Life insurance replacement regulation protects the interests of?
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Answer:

the policyowner
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Question:

An example of false advertising would be?
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Answer:

An insurer exaggerating its dividends in a magazine advertisement
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Question:
With whom may an agent legally share commissions??
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, Answer:

Another agent who is licensed in the same line of insurance
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Question:

All accident and sickness plans MUST provide coverage on newborn
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children for ___ days.? i,- i,- i,-




Answer:

31




Question:
What is the reason for the establishment of Rules Governing Life
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Insurance and Annuity Replacements?? i,- i,- i,-




Answer:

Lessen the chance for misrepresentation and incomplete disclosure
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Question:

Which document MUST accompany an application that initiates the
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replacement of an existing life insurance policy?? i,- i,- i,- i,- i,- i,-




Answer:

A signed statement by the applicant regarding the replacement
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Question: