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Comprehensive Final Certification Exam: Illinois Health Insurance (Xcel Solutions) Which type of long-term care benefit would be most appropriate for a stroke victim who requires speech therapy administered at her home? - Answer ️️ -home health care Jennifer is required to pay a specific sum out of pocket before any benefits are paid in a year. Her health policy most likely contains a(n) - Answer ️️ -deductible When a producer submits an insurance applicaton, the application is REQ...

Xcel Practice Chapter Exam 2024 Questions and Answers with complete solution A whole life insurance policyownet foes not wish to continue making premium payments. Which of the following enables the policyowner to call the policy for more than its cash value? - Answer ️️ -Life-Settlement Contract P owns a 25,000 Life policy that pays the face amount to him if he lives to age 70, or to his beneficiary if he dies before age 70. What kind of policy does P own? - Answer ️️ -Endowment a...

Xcel Testing Solutions-Louisiana Life and Health Exam Simulator - 200 Questions and Answers 2024 with complete solution Which dividend option would an insurer invest the policy owner's money and add any interest earnings as the dividends accrue? -Accumulation at Interest Option -Cash Dividend Option -Paid-Up Additions Option -One-Year Term Dividend Option - Answer ️️ -The Accumulation at Interest Option - invests the policy owner's money and adds interest earnings to the initial a...

XCEL Life and Health Insurance Test Review 2024 with complete solution Period Certain - Answer ️️ -Which annuity payout option allows the policy owner to choose a pre-determined number of benefit payments? Life only annuity - Answer ️️ -Which annuity payout option has no additional payouts regardless of when the annuitant dies Errors and Omissions - Answer ️️ -a professional liability for which producers can be sued for mistakes of putting a policy into effect irrevocable ben...

North Carolina XCEL Testing Life & Health Insurance Exam Study Guide 2024 with complete solution Which of the following requires insurers to disclose when an applicant's consumer or credit history is being investigated: - Answer ️️ -1970 - Fair Credit Reporting Act What type of reinsurance contract involves two companies automatically sharing their risk exposure? - Answer ️️ -Treaty What is the name of the law that requires insurers to disclose information gathering practices and...

Xcel Laws and Rules Pertinent to Insurance Exam 2024 with complete solution What must an agent sign when an existing Life Insurance policy is being reissued with a reduction in cash value? Policy Summary Buyer's Guide Affidavit Notice Regarding Replacement of Life Insurance or Annuity - Answer ️️ -Notice Regarding Replacement of Life Insurance or Annuity Which of these circumstances requires an agent to make reasonable efforts to obtain information concerning the suitability of an...

Xcel Solutions Final Exam 2024 Who does a life settlement broker represent? - Answer ️️ -Individual wanting to sell their life policy to a third party What is the insurance term the State of California uses for an insurer that is eligible to transact business in this state? - Answer ️️ -Admitted Most U.S. life insurance companies belong to the - Answer ️️ -Medical Information Bureau Which of the following healthcare providers provide both the healthcare services and healthcare ...

Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 Questions and Answers 2024 with complete solution The Do Not Call Registry offers exemptions for calls placed from all of the following EXCEPT - Answer ️️ -insurance sales calls Charities, political organizations, and surveys are all offered exemptions from The Do Not Call Registry The type of policy where the insurer can send a notice to the insured that the policy has been cancelled in the middle of the term is c...

XCEL Life and Health Insurance Test Review-With 100% verified solutions-2023

XCEL Life and Health Insurance Test Review-With 100% verified solutions-2023