Xcel chapter 2 - Study guides, Class notes & Summaries
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XCEL Chapter 11 - Laws and Rules Graded A+
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XCEL Chapter 11 - Laws and Rules Graded A+ 
________ is the authority given to a producer to sell, solicit, or negotiate insurance on behalf of the 
insurer. ️Appointment 
A Buyer's Guide and Policy Summary ️must be delivered with or prior to policy delivery 
A Buyer's Guide MUST ️have it's content approved by the commissioner 
A domestic insurance company in Maryland MUST ️be formed under Maryland insurance laws 
A licensee must notify the Commissioner of an address change within __...
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Excel Chapter 2 Multiple Choice
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Excel Chapter 2 Multiple Choice
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XCEL Chapter 7 Questions with complete solution 2023/2024
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XCEL Chapter 7 Questions with complete solution 2023/2024The California Insurance Code defines "policy" as a(n) - correct answer written contract 
 
The cost of services charged by the Health Insurance Counseling Advocacy Program (HiCap) is - correct answer no cost 
 
Which of the following is NOT covered by the Family and Medical Leave Act (FMLA)? - correct answer Traveling overseas with a spouse 
 
Which of the following acts is NOT a Federal offense committed by an insurance agent? - corre...
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Xcel Practice Chapter Exam Practice Questions and Answers
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Xcel Practice Chapter Exam Practice 
Questions and Answers 
A whole life insurance policyownet foes not wish to continue making 
premium payments. Which of the following enables the policyowner to call 
the policy for more than its cash value? - Answer️️ -Life-Settlement 
Contract 
P owns a 25,000 Life policy that pays the face amount to him if he lives to 
age 70, or to his beneficiary if he dies before age 70. What kind of policy 
does P own? - Answer️️ -Endowment at Age 70 
Which type...
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XCEL Chapter 11 - Laws and Rules Final Exam.
- Exam (elaborations) • 13 pages • 2024
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XCEL Chapter 11 - Laws and Rules Final Exam. 
 
 
In Maryland, an insurance producer cannot sell, solicit, or negotiate policies for an insurer unless there is an agreement in place between the producer and insurer. This agreement is called a(n) - CORRECT ANSWER appointment 
 
what kind of insurance provides coverage for one or more necessary or appropriate diagnostic, preventive, therapeutic, rehabilitative, maintenance, or personal care services in a setting order than an acute care unit of a ...
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XCEL SOLUTIONS CHAPTER 3 - POLICY PROVISIONS EXAM | QUESTIONS & ANSWERS (VERIFIED) | LATEST UPDATE | GRADED A+
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XCEL SOLUTIONS CHAPTER 3 - POLICY 
PROVISIONS EXAM | QUESTIONS & 
ANSWERS (VERIFIED) | LATEST UPDATE | 
GRADED A+ 
A potential client, age 40, would like to purchase a whole life policy that will accumulate 
cash value at a faster rate in the early years of the policy. Which of these statements 
made by the producer would be correct? 
Correct Answer: 20-pay life accumulates cash value faster than straight life 
D owns a whole life policy that was purchased 10 years ago. If the premium paym...
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XCEL Chapter 11 Chapter Exam
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XCEL Chapter 11 Chapter Exam 
1. Maria the insurance producer completes a sale by collecting the required signatures on the 
application and obtaining the initial premium. Afterwards, she deposited the check into a personal 
checking account. Maria committed what crime? 
️ Fraud 
2. Making a statement that is false and maliciously critical of the financial condition of the insurer is 
known as: 
️ Defamation 
3. Which of the following statements is true about an insurer's right ...
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Excel Chapter 2 (1)
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Excel Chapter 2 (1)
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XCEL SOLUTIONS CHAPTER 3 - POLICY PROVISIONS EXAM | QUESTIONS & ANSWERS (VERIFIED) | LATEST UPDATE | GRADED A+
- Exam (elaborations) • 10 pages • 2024
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XCEL SOLUTIONS CHAPTER 3 - POLICY 
PROVISIONS EXAM | QUESTIONS & 
ANSWERS (VERIFIED) | LATEST UPDATE | 
GRADED A+ 
A potential client, age 40, would like to purchase a whole life policy that will accumulate 
cash value at a faster rate in the early years of the policy. Which of these statements 
made by the producer would be correct? 
Correct Answer: 20-pay life accumulates cash value faster than straight life 
D owns a whole life policy that was purchased 10 years ago. If the premium paym...
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XCEL Chapter 10 Exam Questions Correctly Answered.
- Exam (elaborations) • 4 pages • 2024
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XCEL Chapter 10 Exam Questions Correctly Answered. 
 
 
Which of the following is NOT a federal requirement of a qualified plan? 
A. Must benefit a broad cross-section of employees 
B. Employee must be able to make unlimited contributions 
C. Vesting schedule must be defined 
D. Employer establishes the plan - CORRECT ANSWER Employee must be able to make unlimited contributions 
 
Which of the following employers is required to follow ERISA regulations? 
A. A local government with 150 employees ...
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