Xcel Testing Solutions- Life and Health Insurance-
Weighted Exam- 150 Questions with Correct Answers
2025/2026
The dDo dNot dCall dRegistry doffers dexemptions dfor dcalls dplaced dfrom dall dof dthe dfollowing
dEXCEPT d- dCORRECT dANSWER d-insurance dsales dcalls
Charities, dpolitical dorganizations, dand dsurveys dare dall doffered dexemptions dfrom dThe dDo
dNot dCall dRegistry
The dtype dof dpolicy dwhere dthe dinsurer dcan dsend da dnotice dto dthe dinsured dthat dthe
dpolicy dhas dbeen dcancelled din dthe dmiddle dof dthe dterm dis dcalled d- dCORRECT dANSWER d-
cancelable
The drenewability dprovision din da dcancelable dpolicy dallows dthe dinsurer dto dcancel dor
dterminate dthe dpolicy dat dany dtime, dsimply dby dproviding dwritten dnotification dto dthe
dinsured dand drefunding dany dadvance dpremium dthat dhas dbeen dpaid.
Barbara's dpolicy dincludes da drider dwhich dallows dher dto dpurchase dadditional dinsurance
dat dspecific ddates dor devents dwithout devidence dof dinsurability. dThis drider dis dcalled da(n)
d- dCORRECT dANSWER d- dGuaranteed dinsurability drider
A dguaranteed dinsurability drider dallows dfor dthe dinsured dto dpurchase dadditional
dinsurance dat dspecific ddates dor devents dwithout devidence dof dinsurability.
Disability dIncome dplans dwhich drequire dthat dthe dinsurer dcan dNEVER dchange dor dalter
dpremium drates dare dusually dconsidered d- dCORRECT dANSWER d-Noncancellable
A dnoncancellable dpolicy dcannot dbe dcancelled dnor dcan dits dpremium drates dbe dincreased
dunder dany dcircumstances.
,In dwhat dpart dof dan dinsurance dpolicy dare dpolicy dbenefits dfound? d- dCORRECT dANSWER d-
Declarations
Essentially, dthe dinsurance ddeclaration dpage dis dlike da dquick dguide dto dthe dinsurance dpolicy,
dproviding dall dof dthe dbasic dinformation dthe dpolicyholder dneeds dto dknow.
, What dhappens dif dthe dinsurer ddiscovers dthat dthe dinsured's dage dwas daccidentally
dmisstated don dan dapplication dfor dan dindividual dlife dinsurance dpolicy? d- dCORRECT
dANSWER d-Benefits dwill dbe dcalculated daccording dto dhow dmuch dcoverage dthe dpremium
dpaid dwould dhave dpurchased dfor dthe dcorrect dage
Benefits dwill dbe dcalculated daccording dto dhow dmuch dcoverage dthe dpremium dpaid dwould
dhave dpurchased dfor dthe dcorrect dage.
Health dinsurance dwill dtypically dcover dwhich dof dthe dfollowing dperils? d- dCORRECT dANSWER
d-Injury ddue dto daccident
Accidental dinjury dis dtypically da dcovered dperil din dhealth dinsurance.
A dviatical dsettlement dcontract dis dan dagreement dbetween d- dCORRECT dANSWER d-A dlife
dinsurance dpolicyowner dand da dviatical dsettlement dprovider
A dviatical dsettlement dcontract dis dan dagreement dbetween da dlife dinsurance dpolicyowner
dand da dviatical dsettlement dprovider.
Under dthe dAffordable dCare dAct, dhow dwould da dgrandfathered dhealth dplan dlose dits
dgrandfathered dstatus? d- dCORRECT dANSWER d-The dinsurer dsignificantly draises dco-
insurance dcharges, ddeductibles, dor dco-payment dcharges
According dto dthe dAffordable dCare dAct, dgrandfathered dhealth dplans dmay dlose dtheir
dgrandfathered dstatus dif dthe dinsurer dsignificantly draises dco-insurance dcharges,
ddeductibles, dor dco-payment
charges
Which dof dthese dtechniques dwill dremove dthe drisk dof dlosing dmoney din dthe dstock dmarket
dby dnever dpurchasing dstocks? d- dCORRECT dANSWER d-Risk davoidance
Risk davoidance dcould deliminate dthe drisk dof dlosing dmoney din dthe dstock dmarket dby dnever
dinvesting din dstocks.
Weighted Exam- 150 Questions with Correct Answers
2025/2026
The dDo dNot dCall dRegistry doffers dexemptions dfor dcalls dplaced dfrom dall dof dthe dfollowing
dEXCEPT d- dCORRECT dANSWER d-insurance dsales dcalls
Charities, dpolitical dorganizations, dand dsurveys dare dall doffered dexemptions dfrom dThe dDo
dNot dCall dRegistry
The dtype dof dpolicy dwhere dthe dinsurer dcan dsend da dnotice dto dthe dinsured dthat dthe
dpolicy dhas dbeen dcancelled din dthe dmiddle dof dthe dterm dis dcalled d- dCORRECT dANSWER d-
cancelable
The drenewability dprovision din da dcancelable dpolicy dallows dthe dinsurer dto dcancel dor
dterminate dthe dpolicy dat dany dtime, dsimply dby dproviding dwritten dnotification dto dthe
dinsured dand drefunding dany dadvance dpremium dthat dhas dbeen dpaid.
Barbara's dpolicy dincludes da drider dwhich dallows dher dto dpurchase dadditional dinsurance
dat dspecific ddates dor devents dwithout devidence dof dinsurability. dThis drider dis dcalled da(n)
d- dCORRECT dANSWER d- dGuaranteed dinsurability drider
A dguaranteed dinsurability drider dallows dfor dthe dinsured dto dpurchase dadditional
dinsurance dat dspecific ddates dor devents dwithout devidence dof dinsurability.
Disability dIncome dplans dwhich drequire dthat dthe dinsurer dcan dNEVER dchange dor dalter
dpremium drates dare dusually dconsidered d- dCORRECT dANSWER d-Noncancellable
A dnoncancellable dpolicy dcannot dbe dcancelled dnor dcan dits dpremium drates dbe dincreased
dunder dany dcircumstances.
,In dwhat dpart dof dan dinsurance dpolicy dare dpolicy dbenefits dfound? d- dCORRECT dANSWER d-
Declarations
Essentially, dthe dinsurance ddeclaration dpage dis dlike da dquick dguide dto dthe dinsurance dpolicy,
dproviding dall dof dthe dbasic dinformation dthe dpolicyholder dneeds dto dknow.
, What dhappens dif dthe dinsurer ddiscovers dthat dthe dinsured's dage dwas daccidentally
dmisstated don dan dapplication dfor dan dindividual dlife dinsurance dpolicy? d- dCORRECT
dANSWER d-Benefits dwill dbe dcalculated daccording dto dhow dmuch dcoverage dthe dpremium
dpaid dwould dhave dpurchased dfor dthe dcorrect dage
Benefits dwill dbe dcalculated daccording dto dhow dmuch dcoverage dthe dpremium dpaid dwould
dhave dpurchased dfor dthe dcorrect dage.
Health dinsurance dwill dtypically dcover dwhich dof dthe dfollowing dperils? d- dCORRECT dANSWER
d-Injury ddue dto daccident
Accidental dinjury dis dtypically da dcovered dperil din dhealth dinsurance.
A dviatical dsettlement dcontract dis dan dagreement dbetween d- dCORRECT dANSWER d-A dlife
dinsurance dpolicyowner dand da dviatical dsettlement dprovider
A dviatical dsettlement dcontract dis dan dagreement dbetween da dlife dinsurance dpolicyowner
dand da dviatical dsettlement dprovider.
Under dthe dAffordable dCare dAct, dhow dwould da dgrandfathered dhealth dplan dlose dits
dgrandfathered dstatus? d- dCORRECT dANSWER d-The dinsurer dsignificantly draises dco-
insurance dcharges, ddeductibles, dor dco-payment dcharges
According dto dthe dAffordable dCare dAct, dgrandfathered dhealth dplans dmay dlose dtheir
dgrandfathered dstatus dif dthe dinsurer dsignificantly draises dco-insurance dcharges,
ddeductibles, dor dco-payment
charges
Which dof dthese dtechniques dwill dremove dthe drisk dof dlosing dmoney din dthe dstock dmarket
dby dnever dpurchasing dstocks? d- dCORRECT dANSWER d-Risk davoidance
Risk davoidance dcould deliminate dthe drisk dof dlosing dmoney din dthe dstock dmarket dby dnever
dinvesting din dstocks.
