XCEL Chapter 11 Exam Questions and
Answers with Verified Solutions | Latest
Updated 2026
All of the following may be an claims practice EXCEPT
unfair providing the basis of denial
a. Turning down a claim without claim
1 b. Denying an insured's pertinent communications concerning
fraudulent claims
c. Failing to promptly acknowledge , and equitable settlements of a claim
d. Failing to effectuate prompt, fair
Informing an insured of inaccurate terms of an insurance policy is considered
form of to be a
a. coercion
3
b. misrepresentation
c. defamation
d. inducement
Which of the following is required d. Certificate of authority
for
an insurer to conduct business in
this
state?
a. Certificate of admission
b. Certificate of domestication
c. Certificate of authenticity
d. Certificate of authority
, All of the following may be an b. Denying an insured's fraudulent claim
unfair
claims practice EXCEPT
a. Turning down a claim without
providing the basis of denial
b. Denying an insured's fraudulent
claim
c. Failing to promptly acknowledge
pertinent communications
concerning claims
d. Failing to effectuate prompt, fair,
and equitable settlements of a
claim
A form of medical health insurance d. Dental expense insurance
covering the treatment and care of
gum disease is called
a. Medicaid
b. Major Medical
c. Franchise health policy
d. Dental expense insurance
Long - Term Care policies or a. a nonforfeiture value
certificates issued in Ohio are
required to have
a. a nonforfeiture value
b. conditional renewal provision
c. a disability rider
d. permanent level premiums
Answers with Verified Solutions | Latest
Updated 2026
All of the following may be an claims practice EXCEPT
unfair providing the basis of denial
a. Turning down a claim without claim
1 b. Denying an insured's pertinent communications concerning
fraudulent claims
c. Failing to promptly acknowledge , and equitable settlements of a claim
d. Failing to effectuate prompt, fair
Informing an insured of inaccurate terms of an insurance policy is considered
form of to be a
a. coercion
3
b. misrepresentation
c. defamation
d. inducement
Which of the following is required d. Certificate of authority
for
an insurer to conduct business in
this
state?
a. Certificate of admission
b. Certificate of domestication
c. Certificate of authenticity
d. Certificate of authority
, All of the following may be an b. Denying an insured's fraudulent claim
unfair
claims practice EXCEPT
a. Turning down a claim without
providing the basis of denial
b. Denying an insured's fraudulent
claim
c. Failing to promptly acknowledge
pertinent communications
concerning claims
d. Failing to effectuate prompt, fair,
and equitable settlements of a
claim
A form of medical health insurance d. Dental expense insurance
covering the treatment and care of
gum disease is called
a. Medicaid
b. Major Medical
c. Franchise health policy
d. Dental expense insurance
Long - Term Care policies or a. a nonforfeiture value
certificates issued in Ohio are
required to have
a. a nonforfeiture value
b. conditional renewal provision
c. a disability rider
d. permanent level premiums
