Arizona XCEL Solutions Life and Health Insurance | Questions with Verified Answers | 100% Correct| Latest 2025/2026.

Arizona XCEL Solutions Life and
Health Insurance | Questions with
Verified Answers | 100% Correct|
Latest 2025/2026.

Question:

Under a long-term care inflation rider, the benefit levels?
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Answer:

periodically increase without proof of insurability
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Question:

In order for a health plan to be an "accountable health plan", who has to
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approve it?? i,-




Answer:

the director
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Question:

Medicare Part A coinsurance payments are covered by?
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Answer:

Medicare Supplement Plan A
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,Question:
Employees generally receive workers compensation benefits for?
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Answer:

lost wages and medical expenses due to occupational accidents
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Question:

What year was the Mental Health Parity and Addiction Equity Act
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established??
Answer:

2008



Question:

In what situation would disability income insurance premiums be a
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deductible expense?? i,-




Answer:

Corporation paying for group disability income coverage for its employees
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Question:
John received a one-time distribution of $50,000 from his modified
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endowment contract (MEC). Prior to that, the contract's cash value was
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$150,000, the contract investment amount was $100,000, and the death
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benefit was $500,000. What percentage of the $50,000 distribution was
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taxable as ordinary income??
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Answer:

100%

,Question:

A survivorship life insurance policy usually covers how many lives??
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Answer:

2



Question:

Mentally or physically handicapped dependent children MUST be covered
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under an individual health insurance policy?
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Answer:

until they become self-supportive
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Question:

ERISA requires that a Summary Plan Description must be provided to a
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new plan member within how many days following the new member's
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eligibility date?? i,-




Answer:

90 days i,-




Question:
A policyowner suffers an injury that renders him incapable of performing
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one or more important job duties. Any decrease in income resulting from
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this injury would make him eligible for benefits under which provision??
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Answer:

Partial disability i,-

, Question:

What is the maximum number of employees (earning at least $5,000) that
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an employer can have in order to start a SIMPLE retirement plan??
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Answer:

100 employees i,-




Question:

Which of the following health plans pay benefits on a pre-paid service
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basis??
Answer:

HMO



Question:

An individual may receive Medicare Part A Hospital benefits, regardless of
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age, as long as the person has received which of the following benefits for
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at least 24 months??
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Answer:

Social Security Disability i,- i,-




Question:
Which of the co-annuitants listed below would receive the largest monthly
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benefit payments in a joint and 100% survivor annuity??
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Answer:

Ages 71 and 73 i,- i,- i,-