Viatical settlement - Study guides, Class notes & Summaries
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Nevada Life Insurance Exam Questions & Answers 100% Correct(SCORED A+)
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During replacement of life insurance, a replacing insurer must do which of the following? 
 
A Send a copy of the Notice Regarding Replacement to the Department of Insurance 
B Obtain a list of all life insurance policies that will be replaced 
C Guarantee a replacement for each existing policy 
D Designate a new producer for a replaced policy - ANSWER-B 
 
Which of the following documents must be provided to the policyowner or applicant during policy replacement? 
 
A Buyer's Guide and Policy S...
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Arizona Life Insurance Exam Questions and Answers (Latest Update 2023) Verified Answers
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Arizona Life Insurance Exam 
Questions and Answers 
(Latest Update 2023) 
Verified Answers 
a whole life policy that provides a choice of dividend options include the 
following statement about dividends they accrue at a guaranteed rate 
they are deferred for one year they are not guaranteed they are guaranteed 
after the first year - Correct Answers they are not guaranteed 
When there is a named beneficiary on a life insurance policy, the death 
benefits 
1. are directed to a trustee ...
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Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 ACTUAL EXAM 500 QUESTIONS AND CORRECT ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+
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Xcel Testing Solutions- Life and Health 
Insurance- Weighted Exam- 150 ACTUAL 
EXAM 500 QUESTIONS AND CORRECT 
ANSWERS (VERIFIED ANSWERS) |ALREADY 
GRADED A+ 
The Do Not Call Registry offers exemptions for calls placed from all of the 
following EXCEPT - CORRECT 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 insured that the 
policy has be...
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CA LIFE INSURANCE EXAM QUESTIONS AND ANSWERS LATEST
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CA LIFE INSURANCE EXAM QUESTIONS 
AND ANSWERS LATEST 
J has a life policy with the Guaranteed Insurability rider. J has just celebrated their 42nd 
birthday and realizes that she wants to use her rider and buy more death benefit. Which 
of the following will apply to J's request? 
A: The insurer will allow J to add more insurance without proving insurability. 
B: The insurer will allow J to add more insurance pending a paramedical exam. 
C: The insurer will deny J's request to add more insu...
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Indiana Life and Health Insurance Full Exam with Guaranteed Accurate Answers
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Which of these is NOT considered to be a violation of the Unfair Competition Law in Indiana? 
 monopolize or restrain trade 
 making unsubstantiated criticisms about an insurance company 
 pay insurance commissions to an unlicensed individual 
 paying a finder's fee to an individual who provides a sales lead - correct answer paying a finder's fee to an individual who provides a sales lead 
 
A viatical settlement agent, according to the Indiana Department of Insurance, is 
 an individual who f...
Too much month left at the end of the money?
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Xcel Testing Solutions, Life and Health Insurance Exam Questions With Answers Latest 2023-2024 Graded A+
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Barbara's policy includes a rider which allows her to purchase additional insurance at specific 
dates or events without evidence of insurability. This rider is called a(n) 
Answers>>Guaranteed insurability rider 
A guaranteed insurability rider allows for the insured to purchase additional insurance at 
specific dates or events without evidence of insurability. 
Disability Income plans which require that the insurer can NEVER change or alter premium rates 
are usually considered Answers&...
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California PSI Site - Life, Accident and Health Agent Examination (Life Agent) | Questions & Solutions (100% Correct)
- Exam (elaborations) • 19 pages • 2024
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California PSI Site - Life, Accident and Health Agent Examination (Life Agent) | Questions & Solutions (100% Correct) 
California PSI Site - Life, Accident and Health Agent Examination (Life Agent) | Questions & Solutions (100% Correct) 
 
Admitted Insurance Company vs. Non-Admitted Insurance Company - ANSWER - An admitted insurance company is authorized to transact insurance in California because it has a Certificate of Authority granted by the California Department of Insurance (CDI) 
 
A non-...
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Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 written Questions with answers
- Exam (elaborations) • 17 pages • 2023
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Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 written Questions with answers 
 
The Do Not Call Registry offers exemptions for calls placed from all of the following EXCEPT 
 
The type of policy where the insurer can send a notice to the insured that the policy has been cancelled in the middle of the term is called 
 
Barbara's policy includes a rider which allows her to purchase additional insurance at specific dates or events without evidence of insurability. This ...
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Xcel solutions final exam Maryland Life and health questions and answers 100% pass
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Xcel solutions final exam Maryland Life and health questions and answers 100% pass 
What is normally the consequence for NOT obtaining preadmission certification prior to receiving inpatient medical care? A reduction in benefits 
A group-owned insurance company that is formed to assume and spread the liability risks of its members is known as a Risk retention group 
During the application process, a statement made by an applicant that becomes part of the contract is considered to be a(n) Warrant...
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NC Insurance Licensing Exam Questions and Answers 100% Pass
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NC Insurance Licensing Exam Questions and Answers 100% Pass 
P is a producer who notices 5 questions on a life application were not answered. What actions should P take? Set up a meeting with the applicant to answer the remaining questions 
Which of the following does Social Security NOT provide benefits for? Dismemberment 
An Accident/Health policyholder has ____ days to return the policy and receive a full refund on premiums 10 
Under a Renewable Term policy, the renewable premium is calculate...
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2024 2025 XCEL TESTING SOLUTIONS- LIFE AND HEALTH INSURANCE- WEIGHTED EXAM WITH 400 QUESTIONS AND CORRECT ANSWERS WITH RATIONALES (100% CORRECT DETAILED ANSWERS)
- Exam (elaborations) • 58 pages • 2024
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XCEL TESTING SOLUTIONS- LIFE AND HEALTH INSURANCE- WEIGHTED EXAM WITH 400 QUESTIONS AND CORRECT ANSWERS WITH RATIONALES (100% CORRECT DETAILED ANSWERS) 
A whole life policy option where extended term insurance is selected is called a(n) 
- ANSWER-nonforfeiture option 
A nonforfeiture provision in a whole life policy that uses cash value to purchase 
term insurance equal to the existing amount of life insurance is called the extended 
term option. 
What happens if the insurer discovers th...
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