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Xcel solutions final exam Questions and Answers 100% Pass Insuring Which health policy clause specifies the amount of benefits to be paid - Insuring The investment gains from a universal life policy usually go to - The cash value L takes out a life insurance policy and dies 10 years later. Dur...

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  • January 10, 2025
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  • 2024/2025
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  • xcel solutions final exam questions and answers 10

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Xcel solutions final exam Questions
and Answers 100% Pass

Insuring Which health policy clause specifies the amount of benefits to be paid -

✔✔Insuring


The investment gains from a universal life policy usually go to - ✔✔The cash value


L takes out a life insurance policy and dies 10 years later. During the claim process, the

insurer finds out that the applicant misstated their age. What will the insurer do? -

✔✔Adjust the death benefit to a reduced amount


An employee is covered under a company group life plan with a $50,000 death benefit.

What is the Maximum amount a spouse may be insured for under this program -

✔✔$25,000


M is insured under a basic hospital/surgical expense policy. A physician performs

surgery on M. What determines the claim M is eligible for - ✔✔Determined by the

terms of the policy


A(n)__-_-_-_-_-_-_-_ beneficiary may be changed by the policy owner without the

consent of the beneficiary - ✔✔Revocable




EMILY CHARLENE © 2025, ALL RIGHTS RESERVED 1

,What is the MINIMUM benefit period that must be offered by a long term care policy -

✔✔12 months


To terminate an agent's appointment, an insurance company must - ✔✔Send

termination notice to the Texas Department of Insurance


An agent gives a conditional receipt to a client for an insurance policy after collecting

the initial premium. When will the policy become effective? - ✔✔When the conditions

of the receipt are met


Which of the following costs would a Basic Hospital/Surgical policy cover? -

✔✔Surgically removing a facial birthmark


Which of the following statements is CORRECT about an agent who is taking an

insurance application - ✔✔The agent should have the applicant initial any changes

made on the application


Which statement is true about a whole life policy - ✔✔Cash value may be borrowed

against


How long does an insurance company appointment remain in force - ✔✔Until

terminated


Which of the following statements about health coverage for newborns is NOT true? -

✔✔Coverage is LIMITED to only congenital defects


Medicare Part A and Part B do NOT pay for - ✔✔Dental care




EMILY CHARLENE © 2025, ALL RIGHTS RESERVED 2

, An insurance company receives E's application for an individual health policy. E did

not complete all of the medical history questions because she could not remember the

exact dates. E signed the policy and submitted it to the insurance company anyway. A

few weeks later, E suffers a heart attack and is hospitalized without completing the

medical history questions and paying the initial premium. E is not insured. Which of

the following clauses details the conditions that E did not meet? - ✔✔Consideration

clause


The percentage of an individuals primary insurance amount determines the benefits

paid in which of the following programs - ✔✔Social Security Disability Income


Q is severely injured in an automobile accident and becomes totally disabled. How

many months must Q be disabled before being able to apply for Social Security

disability benefits? - ✔✔5 months


After an insured gives notice of loss, what must he/she do if the insurer does not

furnish forms - ✔✔File written proof of loss


Which of the following types of care is typically not covered in a long term care policy -

✔✔acupuncture


Which of these does not constitute policy delivery - ✔✔Policy issued with a rating


Which type of plan normally includes hospice benefits - ✔✔Managed care plans




EMILY CHARLENE © 2025, ALL RIGHTS RESERVED 3

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