Xcell Testing Solutions (Life & Health) Final 150 Question Practice Exam/Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 Questions/ XCEL Exam Questions And Answers/CEL Solutions: Virginia 150 Questions Weighted Real Time Exam/orth Ca

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 insu...

Which of these is NOT considered to be a common life insurance nonforfeiture option? a. Cash surrender b. Extended term insurance c. Reduced paid-up insurance d. Life income annuity - Answer- d. Life income annuity Which of these would NOT be considered a presumptive disability? a. ...

An accident and Health insurance applicant who fails to includes material medical information on an application would be reason for the insurer to - Answer- deny any future claims and to refund the premium S has a Whole Life Policy with a premium payment due soon. Which provision would keep the p...

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 th...

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? - Answer- Child Term Rider Lisa has recently bought a fixed annuity. Which of these is considered to be a disadvantage of owning thi...

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? - Answer- Single Premium. Immediate Annuities are purchased wit...

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...

Typically, Long-Term Disability benefits are coordinated with which benefit plan? - Answer- Social Security The focus of major medical insurance is providing coverage for - Answer- medical and hospitalization expenses An insured under a Major Medical expense plan with a zero deductible and 80/...