Questions & Verified Answers | 100%
This Xcel Testing Solutions Life and Health Insurance Weighted Exam consists of 150
highly structured, state-specific questions designed to mirror the actual licensing exam. This
150-question diagnostic practice test heavily emphasizes core insurance legal principles, specific
types of policy structures, provisions, and mandatory riders.
A breakdown of this highest-yield questions, concepts, and answers tested on the Xcel 150-question
exam details the critical material needed to pass.
1. Insurance Law, Regulations, & Industry Rules
2. Life Insurance Policy Types & Concepts
3. Crucial Policy Provisions & Riders
4. Health Insurance & Math Calculations
High-Yield Study Tips for Xcel Exams
1. Do Not Over-Study: Focus primarily on identifying the core concept of the question
rather than trying to memorize entire blocks of state law.
2. Utilize Xcel Study Material: Take advantage of the Xcel Solutions Life & Health
Insurance Prep Tools (LIKE THIS ONE), which offer on-demand review, structured Set
Acting like a consolidated "Exam Cram" booklet.
3. Simulate this Testing Environment: Dedicate an uninterrupted block of time to take
this 150-questions exam sequentially to train your pacing and endurance.
1
, Quiz_________________?
$50.00 -
ANSWER✅
have to pay if she, not having met any of her deductible, visits the doctor and receives a bill
for $125? Kate has a Major Medical Plan with a 75/25 coinsurance and a deductible of $25.
How much will she
Quiz_________________?
$500,000 -
ANSWER✅
the policy equals $250,000. Rob recently died at age 60. The death benefit would be
insurance agent told him the policy would be paid up if he reached age 100. The present
cash value of Rob purchased a standard whole life policy with a $500,000 death benefit
when he was age 30. His
Quiz_________________?
$4000 -
ANSWER✅
Ron has life insurance policy with a face value of $100,000 and a cost of living rider. If the
consumer prince index has gone up 4% how much Maron increase the face value of the
policy?
Quiz_________________?
1-
ANSWER✅
2
, The typical long-term care insurance policy is designed to provide a minimum
of__________ year(s) of coverage
Quiz_________________?
2-
ANSWER✅
After year(s) from date of issue, an individual health insurance policy can no longer be
cancelled by the insurer for misstatements (except for fraud).
Quiz_________________?
2 years -
ANSWER✅
An individual life insurance policy becomes incontestable after it has been in force for
Quiz_________________?
3-
ANSWER✅
Upon meeting company requirements, a lapsed life insurance policy may be reinstated
within_______ year(s).
Quiz_________________?
10 days -
ANSWER✅
A disability policy where the premiums are due monthly require a grace period of
3
, Quiz_________________?
10 days -
ANSWER✅
Kathy pays a monthly premium on her health insurance policy. How long is her grace
period?
Quiz_________________?
10 days -
ANSWER✅
The free look period provided in a life insurance policy is usually
Quiz_________________?
19 -
ANSWER✅
Group accident and health insurance policies issued in New York must generally include an
unmarried dependent child who is_____ years old or younger.
Quiz_________________?
20 -
ANSWER✅
Employees are required to work at least _________hours per week to become eligible for
a small employer health plan
Quiz_________________?
4
This Xcel Testing Solutions Life and Health Insurance Weighted Exam consists of 150
highly structured, state-specific questions designed to mirror the actual licensing exam. This
150-question diagnostic practice test heavily emphasizes core insurance legal principles, specific
types of policy structures, provisions, and mandatory riders.
A breakdown of this highest-yield questions, concepts, and answers tested on the Xcel 150-question
exam details the critical material needed to pass.
1. Insurance Law, Regulations, & Industry Rules
2. Life Insurance Policy Types & Concepts
3. Crucial Policy Provisions & Riders
4. Health Insurance & Math Calculations
High-Yield Study Tips for Xcel Exams
1. Do Not Over-Study: Focus primarily on identifying the core concept of the question
rather than trying to memorize entire blocks of state law.
2. Utilize Xcel Study Material: Take advantage of the Xcel Solutions Life & Health
Insurance Prep Tools (LIKE THIS ONE), which offer on-demand review, structured Set
Acting like a consolidated "Exam Cram" booklet.
3. Simulate this Testing Environment: Dedicate an uninterrupted block of time to take
this 150-questions exam sequentially to train your pacing and endurance.
1
, Quiz_________________?
$50.00 -
ANSWER✅
have to pay if she, not having met any of her deductible, visits the doctor and receives a bill
for $125? Kate has a Major Medical Plan with a 75/25 coinsurance and a deductible of $25.
How much will she
Quiz_________________?
$500,000 -
ANSWER✅
the policy equals $250,000. Rob recently died at age 60. The death benefit would be
insurance agent told him the policy would be paid up if he reached age 100. The present
cash value of Rob purchased a standard whole life policy with a $500,000 death benefit
when he was age 30. His
Quiz_________________?
$4000 -
ANSWER✅
Ron has life insurance policy with a face value of $100,000 and a cost of living rider. If the
consumer prince index has gone up 4% how much Maron increase the face value of the
policy?
Quiz_________________?
1-
ANSWER✅
2
, The typical long-term care insurance policy is designed to provide a minimum
of__________ year(s) of coverage
Quiz_________________?
2-
ANSWER✅
After year(s) from date of issue, an individual health insurance policy can no longer be
cancelled by the insurer for misstatements (except for fraud).
Quiz_________________?
2 years -
ANSWER✅
An individual life insurance policy becomes incontestable after it has been in force for
Quiz_________________?
3-
ANSWER✅
Upon meeting company requirements, a lapsed life insurance policy may be reinstated
within_______ year(s).
Quiz_________________?
10 days -
ANSWER✅
A disability policy where the premiums are due monthly require a grace period of
3
, Quiz_________________?
10 days -
ANSWER✅
Kathy pays a monthly premium on her health insurance policy. How long is her grace
period?
Quiz_________________?
10 days -
ANSWER✅
The free look period provided in a life insurance policy is usually
Quiz_________________?
19 -
ANSWER✅
Group accident and health insurance policies issued in New York must generally include an
unmarried dependent child who is_____ years old or younger.
Quiz_________________?
20 -
ANSWER✅
Employees are required to work at least _________hours per week to become eligible for
a small employer health plan
Quiz_________________?
4
