XCELL TESTING SOLUTIONS EXAMINATION
TEST 2026 COMPLETE QUESTIONS AND
ANSWERS GRADED A+
◉ Which of the following is NOT a required uniform provision in
individual health policies?. Answer: Change of occupation
◉ "Life insurance creates an immediate estate". This phrase means.
Answer: When the insured dies, a death benefit is paid
◉ A person who asserts a right of recovery under an insurance
policy is called. Answer: Claimant
◉ Before an insurer is allowed to test an individual for HIV, what
must be completed?. Answer: Consent Form
◉ Jim is the insured on a health insurance policy and holds 2 jobs. If
"occupation" is used to classify the risk, the insurer will most likely
classify Jim according to the occupation that. Answer: is most
hazardous
,◉ Under a long-term care insurance policy, adult day care coverage
will provide for. Answer: part time care at a facility for elderly
individuals who live at home
◉ Which of the following is NOT true regarding a family policy that
covers children?. Answer: Conversion of child's coverage to
permanent insurance requires evidence of insurability
◉ How long is a person expected to be disabled in order to receive
Social Security disability benefits?. Answer: 12 months
◉ Which of the following describes the number of deaths in a year
compared to the number of people in a select group?. Answer:
Mortality rate
◉ Which of the following is NOT required in the content of a policy?.
Answer: Probability of loss
◉ Jim is applying to become an insurance agent and has a past
misdemeanor conviction that was later expunged due to California
Penal Code 1203.4. Which of the following statements is correct?.
Answer: Jim must still disclose the conviction on his insurance
license application
,◉ Which of the following is a life insurance policy that does NOT
require a physical exam?. Answer: Non-medical
◉ The insurer has the option of terminating a health insurance
policy on a date stated in the contract. What type of policy is this?.
Answer: Optionally renewable
◉ An individual that has 40 quarters of coverage, for Social Security
purposes, is considered to be. Answer: Fully insured
◉ In a life insurance policy, the entire contract consists of the.
Answer: policy and attached application
◉ Which of the following is NOT considered to be an act of insurance
solicitation?. Answer: Publishing a magazine where one of the
advertisers is an insurer
◉ All of the following circumstances must be met for loss retention
to be an effective risk management technique EXCEPT. Answer:
Probability of loss is unknown
◉ The importance of a representation is demonstrated in what
rule?. Answer: Materiality of concealment
, ◉ Which word implies permissiveness according to the California
Insurance Code?. Answer: May
◉ Medical expense policies will typically cover which of the
following?. Answer: Injuries caused by accidents
◉ Which of the following is NOT protected under the California Life
and Health Guarantee Association?. Answer: Insurers
◉ Individuals become eligible for Medicare Part A benefits at what
age?. Answer: 65
◉ An agent's attempt to stop the replacement of an existing life
insurance policy is known as. Answer: conservation
◉ Which of the following is NOT an accurate description of Access
for Infants and Mothers Program (AIM)?. Answer: Only women who
have private insurance plans with a maternity-only deductible or
copayment greater than $1,500 are eligible
◉ All of these statements concerning Medicare are true EXCEPT.
Answer: Long-term care is covered by Medicare Part C
TEST 2026 COMPLETE QUESTIONS AND
ANSWERS GRADED A+
◉ Which of the following is NOT a required uniform provision in
individual health policies?. Answer: Change of occupation
◉ "Life insurance creates an immediate estate". This phrase means.
Answer: When the insured dies, a death benefit is paid
◉ A person who asserts a right of recovery under an insurance
policy is called. Answer: Claimant
◉ Before an insurer is allowed to test an individual for HIV, what
must be completed?. Answer: Consent Form
◉ Jim is the insured on a health insurance policy and holds 2 jobs. If
"occupation" is used to classify the risk, the insurer will most likely
classify Jim according to the occupation that. Answer: is most
hazardous
,◉ Under a long-term care insurance policy, adult day care coverage
will provide for. Answer: part time care at a facility for elderly
individuals who live at home
◉ Which of the following is NOT true regarding a family policy that
covers children?. Answer: Conversion of child's coverage to
permanent insurance requires evidence of insurability
◉ How long is a person expected to be disabled in order to receive
Social Security disability benefits?. Answer: 12 months
◉ Which of the following describes the number of deaths in a year
compared to the number of people in a select group?. Answer:
Mortality rate
◉ Which of the following is NOT required in the content of a policy?.
Answer: Probability of loss
◉ Jim is applying to become an insurance agent and has a past
misdemeanor conviction that was later expunged due to California
Penal Code 1203.4. Which of the following statements is correct?.
Answer: Jim must still disclose the conviction on his insurance
license application
,◉ Which of the following is a life insurance policy that does NOT
require a physical exam?. Answer: Non-medical
◉ The insurer has the option of terminating a health insurance
policy on a date stated in the contract. What type of policy is this?.
Answer: Optionally renewable
◉ An individual that has 40 quarters of coverage, for Social Security
purposes, is considered to be. Answer: Fully insured
◉ In a life insurance policy, the entire contract consists of the.
Answer: policy and attached application
◉ Which of the following is NOT considered to be an act of insurance
solicitation?. Answer: Publishing a magazine where one of the
advertisers is an insurer
◉ All of the following circumstances must be met for loss retention
to be an effective risk management technique EXCEPT. Answer:
Probability of loss is unknown
◉ The importance of a representation is demonstrated in what
rule?. Answer: Materiality of concealment
, ◉ Which word implies permissiveness according to the California
Insurance Code?. Answer: May
◉ Medical expense policies will typically cover which of the
following?. Answer: Injuries caused by accidents
◉ Which of the following is NOT protected under the California Life
and Health Guarantee Association?. Answer: Insurers
◉ Individuals become eligible for Medicare Part A benefits at what
age?. Answer: 65
◉ An agent's attempt to stop the replacement of an existing life
insurance policy is known as. Answer: conservation
◉ Which of the following is NOT an accurate description of Access
for Infants and Mothers Program (AIM)?. Answer: Only women who
have private insurance plans with a maternity-only deductible or
copayment greater than $1,500 are eligible
◉ All of these statements concerning Medicare are true EXCEPT.
Answer: Long-term care is covered by Medicare Part C
