Xcel Life Insurance Bundled Exams Questions and Answers Multiple Versions (2024/2025) (Complete and Accurate)

XCEL Chapters 1-4 Solutions a nonparticipating company is sometimes called a - stock insurer Fraternal Benefit Society has each other the following characteristics except - exist for profit The Fair Credit and Reporting Act's main purpose is to - protect consumers with guidelines regardin...

XCEL Exam Solutions A partial surrender is allowed in which of the following life policies? - Universal life All of the following riders can increase the death benefit amount EXCEPT - Waiver of Premium A health insurance policy where the insurer has the right to terminate the policy fr rea...

Xcel Final Exam Comprehensive of Life and Health Insurance Typically, Long-Term Disability benefits are coordinated with which benefit plan? - Social Security The focus of major medical insurance is providing coverage for - medical and hospitalization expenses An insured under a Major ...

Xcel Life Insurance Exam Replacement regulation is designed to protect - Policyowners from mirepresentation and loss of benefits All Health Benefit Plans issued after January 1, 2014 must provide - Preventative health services Which of these will have the highest monthly payout upon annui...

Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 Questions The Do Not Call Registry offers exemptions for calls placed from all of the following EXCEPT - insurance sales calls Charities, political organizations, and surveys are all offered exemptions from The Do Not Cal...

Xcel Life Policies Exam Which type of multiple protection policy pays on the death of the last person? A. Joint Life Policy B. Dual Life Policy C. Multiple Life Policy D. Survivorship Life Policy - D. Survivorship Life Policy A policy owner may change two policy features on what type of ...

XCEL Exam Simulator FL S recently received a $500,000 lump sum retirement buyout from her employer. She would like to buy an annuity that will immediately furnish her with a guaranteed income for life. What type of annuity is best suited for her situation? - Single Premium. Immediate Annuiti...

XCEL TESTING SOLUTIONS - CALIFORNIA PRE- LICENSING EDUCATION - LIFE, ACCIDENT AND HEALTH INSURANCE When an insurance company requests an attending physician's report, the request must be accompanied by a - Copy of the signed authorization Which of the following is NOT a required uniform ...

XCEL - NY - Exam Simulator 1 Insurance Jonas is a whole life insurance policyowner and would like to add coverage for his two children. Which of the following products would allow him to accomplish this? - Child Term Rider Lisa has recently bought a fixed annuity. Which of these is considered...

Xcel Life, Accident, Health License Exam Questions who is not eligible for social security survivor benefits? A. Full-time students under the age of 19 B. A deceased worker's dependent parents of any age C. A widow at any age who is caring for children younger than 16 D. A widow at full...

XCEL Solutions: Virginia Weighted Real Time Exam An accident and Health insurance applicant who fails to includes material medical information on an application would be reason for the insurer to - deny any future claims and to refund the premium S has a Whole Life Policy with a premium p...

North Carolina XCEL Testing Life & Health Insurance Exam Study Which of the following requires insurers to disclose when an applicant's consumer or credit history is being investigated: - 1970 - Fair Credit Reporting Act What type of reinsurance contract involves two companies automatically...