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XCEL TESTING SOLUTIONS LIFE AND HEALTH INSURANCE WEIGHTED EXAM ACTUAL EXAM LATEST VERSION COMPLETE 160 WRITTEN QUESTIONS AND CORRECT DETAILED ANSWERS |ALREADY GRADED A XCEL TESTING SOLUTIONS LIFE AND HEALTH INSURANCE WEIGHTED EXAM ACTUAL EXAM LATEST VERSION COMPLETE 160 WRITTEN QUE...

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XCEL TESTING SOLUTIONS LIFE AND HEALTH
INSURANCE WEIGHTED EXAM 2023-2024 ACTUAL
EXAM LATEST VERSION COMPLETE 160 WRITTEN
QUESTIONS AND CORRECT DETAILED ANSWERS
|ALREADY GRADED A
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 called - answer-cancelable

The renewability provision in a cancelable policy allows the insurer to cancel or terminate the policy at
any time, simply by providing written notification to the insured and refunding any advance premium
that has been paid.



Barbara's policy includes a rider which allows her to purchase additional insurance at specific dates or
events without evidence of insurability. This rider is called a(n) - answer-Guaranteed insurability rider

A guaranteed insurability rider allows for the insured to purchase additional insurance at specific dates
or events without evidence of insurability.



Disability Income plans which require that the insurer can NEVER change or alter premium rates are
usually considered - answer-Noncancellable

A noncancellable policy cannot be cancelled nor can its premium rates be increased under any
circumstances.



In what part of an insurance policy are policy benefits found? - answer-Declarations

Essentially, the insurance declaration page is like a quick guide to the insurance policy, providing all of
the basic information the policyholder needs to know.



What happens if the insurer discovers that the insured's age was accidentally misstated on an
application for an individual life insurance policy? - answer-Benefits will be calculated according to how
much coverage the premium paid would have purchased for the correct age

,Benefits will be calculated according to how much coverage the premium paid would have purchased
for the correct age.



Health insurance will typically cover which of the following perils? - answer-Injury due to accident

Accidental injury is typically a covered peril in health insurance.



A viatical settlement contract is an agreement between - answer-A life insurance policyowner and a
viatical settlement provider

A viatical settlement contract is an agreement between a life insurance policyowner and a viatical
settlement provider.



Under the Affordable Care Act, how would a grandfathered health plan lose its grandfathered status? -
answer-The insurer significantly raises co-insurance charges, deductibles, or co-payment charges

According to the Affordable Care Act, grandfathered health plans may lose their grandfathered status if
the insurer significantly raises co-insurance charges, deductibles, or co-payment charges



Which of these techniques will remove the risk of losing money in the stock market by never purchasing
stocks? - answer-Risk avoidance

Risk avoidance could eliminate the risk of losing money in the stock market by never investing in stocks.



Which of the following nursing home options would BEST suit an individual who needs some nursing
care and supervision but NOT full-time care? - answer-Assisted living facilities

An assisted living facility would best suit an individual who needs some nursing care and supervision but
not full-time care.



Under Louisiana law, the agreement between an insurance producer and insurer under which the
insurance producer, for compensation, may sell, solicit, or negotiate policies issued by the insurer is
defined as - answer-an appointment

The agreement between an insurance producer and insurer under which the insurance producer, for
compensation, may sell, solicit, or negotiate policies issued by the insurer is called an appointment.



Which of these would NOT be considered a presumptive disability? - answer-Loss of a leg or arm

The loss of ONE arm or a leg is NOT considered a presumptive disability.

, A producer's license in Louisiana must be renewed every - answer-Two years

Producer licenses are issued for periods of 2 years.



Bill requires some nursing care and supervision but NOT full-time care. Which of these nursing home
options would best serve him? - answer-Assisted living

An assisted living facility would best suit an individual who needs some nursing care and supervision but
not full-time care.



The open enrollment period for Medicare Supplements begins at age - answer-65

Open enrollment for Medicare Supplements begins at the age the individual becomes eligible for
Medicare, which is typically age 65.



Mark continues working after the age of 65 and is covered through his employer's group health plan.
Which of the following statements is TRUE? - answer-Medicare is the secondary payer

If an individual continues to work after the age of 65 and keeps the group plan, primary coverage comes
from the group insurance plan and Medicare is considered the secondary payer.



A whole life policy option where extended term insurance is selected is called a(n) - answer-
nonforfeiture option

A nonforfeiture provision in a whole life policy that uses cash value to purchase term insurance equal to
the existing amount of life insurance is called the extended term option.



The Commissioner must examine the financial affairs of each admitted insurer operating in Louisiana at
least once every how many years? - answer-5

At the very least, an admitted company shall be examined once every 5 years by the Commissioner.



When a Medicare supplement policy is purchased during the open enrollment period - answer-the
policy must be issued regardless of health status

During open enrollment for Medicare supplements, policies will be issued regardless of health status.

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