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XCEL FINAL EXAM (COMPREHENSIVE OF LIFE AND HEALTH INSURANCE) EXPERT VERIFIED ACTUAL QUESTIONS & ANSWERS FOR GUARANTEED PASS | NEWEST UPDATE, .

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XCEL FINAL EXAM (COMPREHENSIVE OF LIFE AND HEALTH INSURANCE) EXPERT VERIFIED ACTUAL QUESTIONS & ANSWERS FOR GUARANTEED PASS | NEWEST UPDATE, . Terms in this set (243) Typically, Long-Term Disability benefits are coordinated with which benefit plan? Social Security The focus of major medical in...

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  • February 25, 2025
  • 41
  • 2024/2025
  • Exam (elaborations)
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XCEL FINAL EXAM (COMPREHENSIVE OF LIFE AND
HEALTH INSURANCE) EXPERT VERIFIED ACTUAL
QUESTIONS & ANSWERS FOR GUARANTEED PASS |
NEWEST UPDATE, 2025-2026.


Terms in this set (243)

Typically, Long-Term Social Security
Disability benefits are
coordinated with which
benefit plan?


The focus of major medical and hospitalization expenses
medical insurance is
providing coverage for

An insured under a Major $200
Medical expense plan with a
zero deductible and 80/20
because this policy has a zero deductible, the insures is only
coinsurance provision files a
responsible for the 20% coinsurance on this claim, or $200
$1,000 claim. How much of
this claim is the insured
responsible for?




$5,000
An insured has a stop-loss
limit of $5,000 and an 80/20
coinsurance. The insured
incurs $25,000 of covered
losses. How much will the
insured pay?

,Which type of plan would be Medicare supplement Plan F
the most appropriate for an
individual on
Medicare and concerned that
Medicare will NOT pay for
charges exceeding the
approved amount?


When can a group health when contribution or participation rules have been violated
policy renewal be denied
according to the Health
Insurance Portability and
Accountability Act (HIPAA)?



What does the word the face amount
"level: in Level Term
describe?

A non-contributory health adverse selection
insurance plan helps the
insurer avoid
because all eligible employees are usually covered, non-
contributory plans are desirable from an underwriting
standpoint because adverse selection is minimized.



To qualify for a resident must complete the required pre-licensing education within 12
producer license in the state months of license application
of Michigan, an individual



12 months
Under an expenseincurred
individual health policy,
pre-existing conditions may be excluded for a maximum of 12
what is the months from the date of enrollment.
MAXIMUM length of time
after issuance of the policy
that an insurer can exclude
coverage for a pre-existing
condition?

,An insured has a health plan benefit schedule
that pays established
amounts in accordance benefits schedule set predetermined limits or maximums
with a list of injuries, surgical on how much money and insured can be reimbursed for
procedures, or other losses. a covered loss.
This list is called a



Who is the individual paid on Provider
a fee-for-service basis?

Which of the following is NOT Giving the insured an article of merchandise printed with the
an illegal inducement? producer's name costing $5


$5 or less of tokens or merchandise to applicants is allowed.



Making a statement that is defamation
false or maliciously critical of
the financial condition of an
insurer is known as


Which of the following is change of occupation
NOT a required provision in
an accident and health
the change of occupation provision is considered an
insurance policy?
OPTIONAL provision

Which of these statements Funded by federal, sate, and local taxes
about Medicaid is
CORRECT? Medicaid is funded by federal, state, and local taxes but is
administered by each state.

All of these are considered Marital Status
key factors in underwriting
life insurance Correct: tobacco use, health history, age
EXCEPT

, The time limit for filing legal actions
claim disputes is
addressed in which
provision of an accident
and health policy?


All of the following plans Health reimbursement Arrangement plan
allow for employee
contributions to be taken on
employers contribute to health reimbursement Arrangement planz
a pre-tax basis EXCEPT
(HRA's), not employees.

Which of the following gifts $5 pen
from a producer would NOT
be considered rebating?
A producer quoting life insurance may give an applicant an
article of merchandise having an invoice value of $5.00 or
less.

Written notice for a health 20
claim must be given to the
insurer ___ days after the
occurrence of the loss.


own occupation


Chris is an insured bricklayer the "own occupation" definition of total disability requires
who severed his left hand in that the insured be unable to perform the insured's current
an automobile accident. occupation as a result of an accident or sickness.
Although his primary duty
cannot be performed, Chris is
also a substitute high school
teacher. He collects a full
disability income check every
month. How does his policy
define total disability?

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