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

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

Question:

An underwriter determines that an applicant's risk should be
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recategorized due to a health issue. This policy may be issued with a(n)?
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Answer:

extended Contestable period i,- i,-




Question:
T files a claim on his Accident and Health policy after being treated for an
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illness. The insurance company believes that T misrepresented his actual
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health on the initial insurance application and is, therefore, disputing the
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claim's validity. The provision that limits the time period during which the
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company may dispute a claim's validity is called?
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Answer:

Free-look



Question:

Dental care coverage is designed to cover the costs of all of the following
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EXCEPT:?

,Answer:

Loss of income i,- i,-




Question:

If an individual is covered under an Accidental Death Policy and dies, an
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autopsy can be performed in all these situations, EXCEPT:?
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Answer:

When the state prohibits this by law
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Question:

When does a Probationary Period provision become effective in a health
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insurance contract?? i,-




Answer:

At policy's inception
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Question:
The Commissioner notifies the association of an insolvent insurer no later
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than __ days after receiving notice of the insurer's insolvency.?
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Answer:

3



Question:

All of the following are considered to be typical characteristics describing
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the nature of an insurance contract, EXCEPT:?
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Answer:

, Bilateral


Question:

Which of the following BEST describes a short-term medical expense
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policy??
Answer:

Nonrenewable



Question:

In health insurance policies, a waiver of premium provision keeps the
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coverage in force without premium payments:?
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Answer:

After an insured has become totally disabled as defined in the policy
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Question:

R becomes disabled and owns an individual Disability Income policy.
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When is R eligible to receive disability benefits??
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Answer:

Upon satisfying the elimination period requirement
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Question:

When a person returns to work after a period of total disability but cannot
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earn as much as he or she did before the disability, this situation is called
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which of the following??
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Answer: