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XCEL Arizona Life and Health Insurance State Exam Questions and Answers 100% Pass Under a long-term care inflation rider, the benefit levels - periodically increase without proof of insurability In order for a health plan to be an "accountable health plan", who has to approve it? - the di...

XCEL all chapter final exams/ insurance part 2 Questions and Answers 100% Pass A policyholder has a major medical plan with a 80%/20% coinsurance and a deductible of $75. If the insured has previously met her deductible and receives a bill for $175, how much will the insurer pay? - $140 The co...

NV XCEL Exam Questions and Answers 100% Pass An incomplete life insurance app submitted to an insurer will result in which of these actions? - App will be returned to the writing agent Which of the following is an ex of defamation? (A) Circulating brochures falsely denouncing financial conditio...

North Carolina XCEL Testing Life & Health Insurance Exam Study Questions and Answers 100% Pass Which of the following requires insurers to disclose when an applicant's consumer or credit history is being investigated: - 1970 - Fair Credit Reporting Act What type of reinsurance contract invol...

Final Exam XCEL VA Exam Questions and Answers 100% Pass The free-look period for a new Medicare Supplement policy is - 30 days Al surrenders his life insurance policy for its cash value. The total of the premiums paid into the policy minus total dividends received in cash or used to offset premi...

Insurance license practice XCEL solutions FINAL EXAM #12 - Texas life only Questions and Answers 100% Pass Question 1 Which settlement option pays a stated amount to an annuitant, but no residual value to a beneficiary? - Life income Question 2 A new agent must complete at least _____ hours o...

Chapter four exam 1 type of insurance policies xcel Exam Questions and Answers 100% Pass P is looking to purchase a life insurance policy that will pay a stated monthly income to his beneficiaries for 20 years after he dies and a lump sum of $20,000 at the end of that 20 year period. What type o...

Xcel Solutions Legal concepts Exam Questions and Answers 100% Pass The power given to an individual producer that is not specifically addressed in his/her contract is considered what type of authority? A. Implied B. Apparent C. Express D. Discreet - A. Implied All of the following are elemen...

XCEL SOLUTIONS - FINAL EXAM Questions and Answers 100% Pass K has a life insurance policy where her husband is beneficiary and her daughter is contingent beneficiary. Under the Common Disaster clause, if K and her husband are both killed in an automobile accident, where would the death proceeds ...

Xcel Life Insurance Exam Questions and Answers 100% Pass Replacement regulation is designed to protect - Policyowners from mirepresentation and loss of benefits All Health Benefit Plans issued after January 1, 2014 must provide - Preventative health services Which of these will have the highes...

XCEL Solutions Exam Questions and Answers 100% Pass John's health plan benefits of 90% for in-network providers and 70% for out-of-netword providers. What kind of plan is this. - PPO - Preferred Provider Organization MRMIP is a - State program that offers health coverage to California residen...

XCEL solutions Exam Questions and Answers 100% Pass A partial surrender is allowed in which of the following life policies? - Universal life All of the following riders can increase the death benefit amount EXCEPT - Waiver of Premium A health insurance policy where the insurer has the right to...

XCEL Solutions: Virginia 150 Questions Weighted Real Time Exam Questions and Answers 100% Pass An accident and Health insurance applicant who fails to includes material medical information on an application would be reason for the insurer to - deny any future claims and to refund the premium S...

XCEL Solutions Life Insurance Final Exam Questions and Answers 100% Pass When is the face amount of a Whole Life policy paid? - When the insured dies or at the policy's maturity date, whichever happens first An IRA owner can start making withdrawals and NOT be subjected to a tax penalty beg...