Xcel Study guides, Class notes & Summaries
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Maryland state exam life insurance license practice Questions and Answers 100% Pass
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Maryland state exam life insurance 
license practice Questions and 
Answers 100% Pass 
In what part of an insurance policy or policy benefits found? - Correct Answer ️️ - 
Declarations 
Twisting - Correct Answer ️️ -The act of using misrepresentation to induce an insured 
person to terminate an existing policy and purchase a new policy is referred to as 
Shirley has $500,000 10-year-old son nonrenewable level term life policy. If she dies 15 
years after the policy inception date, how wi...
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XCEL Solutions practice Exam Simulator Practice Questions and Answers 100% Pass
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XCEL Solutions practice Exam Simulator Practice 
Questions and Answers 100% Pass 
Which of the following statements is CORRECT regarding the tax treatment of a lump- 
sum payment paid to a life insurance policy's primary beneficiary? - Correct Answer ️️ 
-All proceeds are income tax free in the year they are received. 
A(n) _____ insurance company is one formed in a country other than the United States. 
- Correct Answer ️️ -Alien 
Term insurance has which of the following characteristi...
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Xcel solutions final exam Maryland Life and health questions and answers 100% pass
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Xcel solutions final exam Maryland Life and health 
questions and answers 100% pass 
What is normally the consequence for NOT obtaining preadmission certification prior to 
receiving inpatient medical care? - Correct Answer ️️ -A reduction in benefits 
A group-owned insurance company that is formed to assume and spread the liability 
risks of its members is known as a - Correct Answer ️️ -Risk retention group 
During the application process, a statement made by an applicant that becomes ...
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XCEL Solutions - Social Security Review 2024 Questions and Answers 100% Pass
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XCEL Solutions - Social Security Review 2024 
Questions and Answers 100% Pass 
Who is Covered - Correct Answer ️️ -Extends coverage to virtually every American 
who is employed or self-employed, with few exceptions 
How Benefits are Determined - Correct Answer ️️ -- A person must be insured under 
the Social Security program for survivors, disability, or retirement benefits to pay 
- Based on how long a covered worker has worked throughout his life 
Insured Status - Correct Answer ️️...
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Insurance license practice XCEL solutions FINAL EXAM #12 - Texas life only Practice Questions and Answers
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Insurance license practice XCEL solutions FINAL EXAM #12 - 
Texas life only Practice Questions and Answers 
Question 1 
Which settlement option pays a stated amount to an annuitant, but no residual value to 
a beneficiary? - Correct Answer ️️ -Life income 
Question 2 
A new agent must complete at least _____ hours of continuing education within 24 
months of initial license? - Correct Answer ️️ -24 hours 
Question 3 
L takes out a life insurance policy and dies 10 years later. During the...
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XCEL North Carolina Laws and Rules Exam Questions and Answers 100% Pass
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XCEL Chapter 1 Exam Review 2024 Questions and Answers 100% Pass
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XCEL Chapter 1 Exam Review 2024 
Questions and Answers 100% Pass 
A non-participating company is also called - Correct Answer ️️ -Stock insurer 
Contract that involves one party which indemnifies another when a loss arises from an 
unknown event - Correct Answer ️️ -Insurance policy 
A type of insurer that is owned by its policy owners is called - Correct Answer ️️ - 
Mutual 
Why are dividends from a mutual insurer not subject to taxation? - Correct Answer ️️ - 
Because dividends...
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Xcel solutions chapter 3 - policy provisions Questions and Answers 100% Pass
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Xcel solutions chapter 3 - policy provisions 
Questions and Answers 100% Pass 
A potential client, age 40, would like to purchase a whole life policy that will accumulate 
cash value at a faster rate in the early years of the policy. Which of these statements 
made by the producer would be correct? - Correct Answer ️️ -20-pay life accumulates 
cash value faster than straight life 
D owns a whole life policy that was purchased 10 years ago. If the premium payment 
suddenly stop and D takes no...
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Basic principles of life and health insurance and annuities Xcel Solutions Questions and Answers 100% Pass
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Basic principles of life and health insurance and annuities 
Xcel Solutions Questions and Answers 100% Pass 
Commercial Insurers "private insurance companies" - Correct Answer ️️ -sell 
insurance for a profit. Offers many different lines of insurance. Some sell primarily life 
insurance and annuities. Commercial insurance is divided into two main groups-Stock 
and mutual insurers. 
Multi-Line insurer - Correct Answer ️️ -An insurance company selling more than one 
line of insurance. 
S...
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NC Life Insurance Practice Exam Questions with 100% Correct Solutions
- Exam (elaborations) • 64 pages • 2024
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NC Life Insurance Practice Exam 
Questions with 100% Correct Solutions 
All of the following are included within the Insurance Commissioner's duties EXCEPT 
a) Conducting investigation of all domestic insurers. 
b) Reviewing the insurers' annual reports. 
c) Writing North Carolina insurance laws. 
d) Reporting any violations of insurance laws to the Attorney General. Writing insurance 
law is not the Insurance Commissioner's responsibility, but enforcing the law is. - 
Correct Answer ️️ -...
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