XCEL SOLUTIONS EXAMINATION TEST 2026
FULLY SOLVED QUESTIONS SET
◉ The policyholder for a group health benefit plan is considered to
be the. Answer: Employer
◉ Intentional withholding of material facts would affect an
insurance policies validity is called a(n). Answer: Concealment
◉ An example of a health insuring corporation (HIC) specialty care
provider is a(n). Answer: Neurologist
◉ Which of the following is NOT typically included under "hospital
care" for most health insuring corporation (HIC) plans?. Answer:
Private duty nursing
◉ An insurance producer is often responsible for field underwriting
during the application process. All fo these are possible field
underwriting roles EXCEPT. Answer: Providing commission
information to the applicant
◉ All of these are considered sources of information that can assist
an underwriter in determining whether or not to accept a risk
EXCEPT. Answer: National Association of Insurance Underwriters
,◉ What is the contract called that is issued to an employer for a
Group Medical Insurance plan?. Answer: Master policy
◉ An example of a presumptive disability would be. Answer:
deafness
◉ Which approach predicts a persons earning potential and
determines how much of that amount would be devoted to
dependents?. Answer: Human life value approach
◉ If the beneficiary dies from the same accident as the insured
individual, the insurer will proceed as if. Answer: the insured
outlived the beneficiary
◉ An insurer can exclude coverage for a preexisting condition on a
Medicare Supplement policy for up to. Answer: 6 months
◉ Who provides all preventative and routine medical care given to a
health insuring corporation
(HIC) member?. Answer: Primary Care Physician
◉ Which of these is NOT a qualifying event for a Medicare?. Answer:
Falling below the federal poverty level
, ◉ A plan in which an employer pays insurance benefits from a fund
derived from the employers current revenues is called. Answer: A
self - funded plan
◉ All of the following riders can increase the death benefit amount
EXCEPT. Answer: Waiver of Premium
◉ A beneficiary change can occur:. Answer: Normally at any time
during the policy term
◉ Maria is a PPO (preferred provider organization subscriber and
received care from an out of networks provider. Which of the
following is the likely result?. Answer: Care is covered
◉ Benefits provided by a Medicare Supplement policy must NOT.
Answer: Duplicate Medicare benefits
◉ Unmarried children who are incapable of self support and have
proof of incapacity are included under thier parents health coverage
until. Answer: Policy termination
◉ A disability elimination period is best described as a. Answer:
time deductible
FULLY SOLVED QUESTIONS SET
◉ The policyholder for a group health benefit plan is considered to
be the. Answer: Employer
◉ Intentional withholding of material facts would affect an
insurance policies validity is called a(n). Answer: Concealment
◉ An example of a health insuring corporation (HIC) specialty care
provider is a(n). Answer: Neurologist
◉ Which of the following is NOT typically included under "hospital
care" for most health insuring corporation (HIC) plans?. Answer:
Private duty nursing
◉ An insurance producer is often responsible for field underwriting
during the application process. All fo these are possible field
underwriting roles EXCEPT. Answer: Providing commission
information to the applicant
◉ All of these are considered sources of information that can assist
an underwriter in determining whether or not to accept a risk
EXCEPT. Answer: National Association of Insurance Underwriters
,◉ What is the contract called that is issued to an employer for a
Group Medical Insurance plan?. Answer: Master policy
◉ An example of a presumptive disability would be. Answer:
deafness
◉ Which approach predicts a persons earning potential and
determines how much of that amount would be devoted to
dependents?. Answer: Human life value approach
◉ If the beneficiary dies from the same accident as the insured
individual, the insurer will proceed as if. Answer: the insured
outlived the beneficiary
◉ An insurer can exclude coverage for a preexisting condition on a
Medicare Supplement policy for up to. Answer: 6 months
◉ Who provides all preventative and routine medical care given to a
health insuring corporation
(HIC) member?. Answer: Primary Care Physician
◉ Which of these is NOT a qualifying event for a Medicare?. Answer:
Falling below the federal poverty level
, ◉ A plan in which an employer pays insurance benefits from a fund
derived from the employers current revenues is called. Answer: A
self - funded plan
◉ All of the following riders can increase the death benefit amount
EXCEPT. Answer: Waiver of Premium
◉ A beneficiary change can occur:. Answer: Normally at any time
during the policy term
◉ Maria is a PPO (preferred provider organization subscriber and
received care from an out of networks provider. Which of the
following is the likely result?. Answer: Care is covered
◉ Benefits provided by a Medicare Supplement policy must NOT.
Answer: Duplicate Medicare benefits
◉ Unmarried children who are incapable of self support and have
proof of incapacity are included under thier parents health coverage
until. Answer: Policy termination
◉ A disability elimination period is best described as a. Answer:
time deductible
