XCEL TESTING SOLUTIONS EXAM 2023 WITH 100% CORRECT ANSWERS

When an insurance company requests an attending physician's report, the request must be accompanied by a - correct answer Copy of the signed authorization Which of the following is NOT a required uniform provision in individual health policies? - correct answer Change of occupation "Life insurance creates an immediate estate". This phrase means - correct answer When the insured dies, a death benefit is paid A person who asserts a right of recovery under an insurance policy is called - correct answer Claimant Before an insurer is allowed to test an individual for HIV, what must be completed? - correct answer Consent Form Jim is the insured on a health insurance policy and holds 2 jobs. If "occupation" is used to classify the risk, the insurer will most likely classify Jim according to the occupation that - correct answer is most hazardous Under a long-term care insurance policy, adult day care coverage will provide for - correct answer part time care at a facility for elderly individuals who live at home Which of the following is NOT true regarding a family policy that covers children? - correct answer Conversion of child's coverage to permanent insurance requires evidence of insurability How long is a person expected to be disabled in order to receive Social Security disability benefits? - correct answer 12 months Which of the following describes the number of deaths in a year compared to the number of people in a select group? - correct answer Mortality rate Which of the following is NOT required in the content of a policy? - correct answer Probability of loss