XCEL Solutions: Virginia 150 Question
a/ a/ a/ a/
s Weighted Real Time Exam
a/ a/ a/ a/
Ana/accidenta/anda/Healtha/insurancea/applicanta/whoa/failsa/toa/includesa/materiala/medicala/
informationa/ona/ana/applicationa/woulda/bea/reasona/fora/thea/insurera/toa/-
correcta/answer✔ ✔ denya/anya/futurea/claimsa/anda/toa/refunda/thea/premium
a/
Sa/hasa/aa/Wholea/Lifea/Policya/witha/aa/premiuma/paymenta/duea/soon.a/Whicha/provisiona/wo
ulda/keepa/thea/policya/ina/forcea/ifa/Sa/doesa/nota/makea/thea/requireda/paymenta/anda/thea/poli
cya/hasa/adequatea/casha/valuea/froma/whicha/thea/premiuma/paymenta/cana/bea/made?a/-
correcta/answer✔ ✔ Automatica/Policya/Loan
a/
Ina/ordera/fora/coveragea/ona/aa/non-
medicala/insurancea/applicationa/toa/takea/effecta/thea/samea/day,a/thea/producera/musta/colle
cta/aa/signeda/applicationa/anda/-a/correcta/answer✔ ✔ thea/initiala/premium
Ma/hasa/aa/Majora/insurancea/policya/witha/aa/$200a/flata/deductiblea/anda/ana/80%a/Coinsuran
cea/clause.a/Ifa/Ma/incursa/aa/$2,200a/claima/fora/ana/eligiblea/medicala/expense,a/howa/mucha/
willa/Ma/receivea/ina/paymenta/fora/thisa/claim?a/-a/correcta/answer✔ ✔ $1,600
Whata/benefita/doesa/thea/Payora/clausea/ona/aa/Juvenilea/Lifea/policya/providea/?a/-
correcta/answer✔ ✔ Premiumsa/area/waiveda/ifa/payora/becomesa/disabled
a/
Ana/agenta/offersa/ana/applicanta/somethinga/ofa/valuea/nota/mentioneda/ina/thea/contracta/asa/
ana/inducementa/toa/purchasea/ana/insurancea/policy.a/Thea/illegala/acta/isa/calleda/-
correcta/answer✔ ✔ rebating
a/
, Ifa/ana/individuala/hasa/ana/Accidentala/Deatha/anda/Dismembermenta/policya/anda/dies,a/ana/
autopsya/cana/bea/performeda/ina/alla/thesea/situationsa/EXCEPT:a/-a/correcta/answer✔ ✔
Whena/thea/statea/prohibitsa/thisa/bya/law
Whicha/plana/isa/intendeda/toa/bea/useda/bya/aa/solea/proprietora/anda/thea/employeesa/ofa/that
business?a/-a/correcta/answer✔ ✔ Keogha/Plan
a/
Aa/policya/owner'sa/rightsa/area/limiteda/undera/whicha/beneficiarya/designation?a/-
correcta/answer✔ ✔ Irrevocable
a/
Ta/circulateda/falsea/statementsa/thata/werea/maliciouslya/criticala/ofa/ana/insurer'sa/financiala/
condition.a/Ta/maya/bea/founda/guiltya/ofa/-a/correcta/answer✔ ✔ Defamation
Thea/phrasea/"Thisa/policya/willa/onlya/paya/fora/semi-
privatea/room"a/isa/ana/examplea/ofa/a(n)a/-a/correcta/answer✔ ✔ Internala/limit
Alla/ofa/thea/followinga/area/limiteda/plans,a/EXCEPT:a/-a/correcta/answer✔ ✔
Lifea/Insurancea/Policies
Whicha/ofa/thea/followinga/doesa/NOTa/qualifya/asa/aa/creditablea/coveragea/undera/thea/Healt
ha/Insurancea/Portabilitya/anda/Accountabilitya/Acta/(HIPAA)?a/-a/correcta/answer✔ ✔
Accidenta/Plans
Fora/whicha/ofa/thea/followinga/expensesa/doesa/aa/Basica/Hospitala/policya/pay?a/-
correcta/answer✔ ✔ Hospitala/rooma/anda/board
a/
Ifa/ana/agenta/holdsa/1a/licensea/type,a/thea/bienniala/continuinga/educationa/requirementa/isa/
_____a/hours.a/-a/correcta/answer✔ ✔ 16a/hrs
a/ a/ a/ a/
s Weighted Real Time Exam
a/ a/ a/ a/
Ana/accidenta/anda/Healtha/insurancea/applicanta/whoa/failsa/toa/includesa/materiala/medicala/
informationa/ona/ana/applicationa/woulda/bea/reasona/fora/thea/insurera/toa/-
correcta/answer✔ ✔ denya/anya/futurea/claimsa/anda/toa/refunda/thea/premium
a/
Sa/hasa/aa/Wholea/Lifea/Policya/witha/aa/premiuma/paymenta/duea/soon.a/Whicha/provisiona/wo
ulda/keepa/thea/policya/ina/forcea/ifa/Sa/doesa/nota/makea/thea/requireda/paymenta/anda/thea/poli
cya/hasa/adequatea/casha/valuea/froma/whicha/thea/premiuma/paymenta/cana/bea/made?a/-
correcta/answer✔ ✔ Automatica/Policya/Loan
a/
Ina/ordera/fora/coveragea/ona/aa/non-
medicala/insurancea/applicationa/toa/takea/effecta/thea/samea/day,a/thea/producera/musta/colle
cta/aa/signeda/applicationa/anda/-a/correcta/answer✔ ✔ thea/initiala/premium
Ma/hasa/aa/Majora/insurancea/policya/witha/aa/$200a/flata/deductiblea/anda/ana/80%a/Coinsuran
cea/clause.a/Ifa/Ma/incursa/aa/$2,200a/claima/fora/ana/eligiblea/medicala/expense,a/howa/mucha/
willa/Ma/receivea/ina/paymenta/fora/thisa/claim?a/-a/correcta/answer✔ ✔ $1,600
Whata/benefita/doesa/thea/Payora/clausea/ona/aa/Juvenilea/Lifea/policya/providea/?a/-
correcta/answer✔ ✔ Premiumsa/area/waiveda/ifa/payora/becomesa/disabled
a/
Ana/agenta/offersa/ana/applicanta/somethinga/ofa/valuea/nota/mentioneda/ina/thea/contracta/asa/
ana/inducementa/toa/purchasea/ana/insurancea/policy.a/Thea/illegala/acta/isa/calleda/-
correcta/answer✔ ✔ rebating
a/
, Ifa/ana/individuala/hasa/ana/Accidentala/Deatha/anda/Dismembermenta/policya/anda/dies,a/ana/
autopsya/cana/bea/performeda/ina/alla/thesea/situationsa/EXCEPT:a/-a/correcta/answer✔ ✔
Whena/thea/statea/prohibitsa/thisa/bya/law
Whicha/plana/isa/intendeda/toa/bea/useda/bya/aa/solea/proprietora/anda/thea/employeesa/ofa/that
business?a/-a/correcta/answer✔ ✔ Keogha/Plan
a/
Aa/policya/owner'sa/rightsa/area/limiteda/undera/whicha/beneficiarya/designation?a/-
correcta/answer✔ ✔ Irrevocable
a/
Ta/circulateda/falsea/statementsa/thata/werea/maliciouslya/criticala/ofa/ana/insurer'sa/financiala/
condition.a/Ta/maya/bea/founda/guiltya/ofa/-a/correcta/answer✔ ✔ Defamation
Thea/phrasea/"Thisa/policya/willa/onlya/paya/fora/semi-
privatea/room"a/isa/ana/examplea/ofa/a(n)a/-a/correcta/answer✔ ✔ Internala/limit
Alla/ofa/thea/followinga/area/limiteda/plans,a/EXCEPT:a/-a/correcta/answer✔ ✔
Lifea/Insurancea/Policies
Whicha/ofa/thea/followinga/doesa/NOTa/qualifya/asa/aa/creditablea/coveragea/undera/thea/Healt
ha/Insurancea/Portabilitya/anda/Accountabilitya/Acta/(HIPAA)?a/-a/correcta/answer✔ ✔
Accidenta/Plans
Fora/whicha/ofa/thea/followinga/expensesa/doesa/aa/Basica/Hospitala/policya/pay?a/-
correcta/answer✔ ✔ Hospitala/rooma/anda/board
a/
Ifa/ana/agenta/holdsa/1a/licensea/type,a/thea/bienniala/continuinga/educationa/requirementa/isa/
_____a/hours.a/-a/correcta/answer✔ ✔ 16a/hrs
