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Xcel Life Insurance Exam 1. Replacement regulation is designed to protect: Policyowners from mirepresentation and loss of benefits 2. All Health Benefit Plans issued after January 1, 2014 must provide: Preventative health services 3. Which of these will h10,70 €
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Xcel Life Insurance Exam 1. Replacement regulation is designed to protect: Policyowners from mirepresentation and loss of benefits 2. All Health Benefit Plans issued after January 1, 2014 must provide: Preventative health services 3. Which of these will h
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Xcel
Xcel Life Insurance Exam
1. Replacement regulation is designed to protect: Policyowners from mirepresentation and loss of benefits
2. All Health Benefit Plans issued after January 1, 2014 must provide: Preventative health services
3. Which of these will have the highest monthly payout upon annui...
1. Replacement regulation is designed to protectANS
Policyowners from mirepre- sentation and loss of benefits
2. All Health Benefit Plans issued after January 1, 2014 must provideANS
Preven- tative health services
3. Which of these will have the highest monthly payout upon annuitizationANS
-
Straight life
4. Which of the following is included in the entire contract according ti the entire contract
provison?ANS
Clauses
5. Which of the following is considered to be an alternative to a life settle- ment?ANS
Accelered death benefit rider
6. With a scheduled dental policy, how are covered expense paid?ANS
Benefits are limited to a specific maximum dollar amount per procedure
7. Coordination of benefits regulation applies to all of the following plans EXCEPTANS
Preferred provider Organization plan
8. Which approach predicts a person's earning potential and determines how much of that
amount would be devoted to dependents?ANS
Human life value approach
9. Which of the following policies does NOT build cash value?ANS
Term
10. Which of these is a method of determining the level of funds required for ongoing support
in the event of the breadwinner's death?ANS
Human life value
11. The free look period provided in a life insurance policy is usuallyANS
10 days
12. What does "SHOP" stand in SHOP Exchange?ANS
Small Business Health Op- tions Program
13. An employer is issued a group medical insurance policy. This single con- tract is known as
a(n)ANS
master policy
14. Which of the following is NOT covered under Workers' Compensation?ANS
-
Pain and suffering
15. Which of the following provides Medicare supplement policies?ANS
Private insurance companies
16. A life settlement intermediary is a(n)ANS
association which maintains a facility that displays offers and counteroffers for purchasers or sellers
of life settlement contracts
17. An annuitant dies during the distribution period. What kind of annunity will return to a
beneficiary the difference between the annunity value and the income payment already
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, Xcel Life Insurance Exam
made?ANS
Refund annuity
18. The is responsible for determining the appropriateness of a Medicare Supplement
policy for an applicant.ANS
Agent
19. The purpose of the Coordination of Benefits provision in group accident and health plans
is toANS
avoid overpayment of claims
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, Xcel Life Insurance Exam
20. Medicaid is intended forANS
poverty stricken people
21. A provision that allows a policyowner to temporarily give up ownership rights to secure
a loan is called a(n)ANS
collateral assignment
22. A disability policy where the premiums are due monthly require a grace period ofANS
10 days
23. Tom the agent replaced a client's insurance policy when it was not in the client's best
interest. Tom could be found guilty ofANS
twisting
24. Which type of annuity stops all payments upon the death of the annuitant?-
ANS
Life annuity
25. Decreasing term life insurance is often used toANS
provide coverage for a home mortgage
26. What does a life insurance policy guarantee to the stated beneficiary upon the death of the
insured?ANS
Specified amount of money
27. Major medical insurance will typically cover medical expenses that result fromANS
a negative reaction to prescribed medication
28. The typical long-term care insurance policy is designed to provide a mini- mum of year(s)
of coverageANS
1
29. The double indemnity provision in a life insurance policy pertains to an insured's death
caused by a(n)ANS
accident
30. Life insurance policies will normally pay for losses arising fromANS
commer- cial aviation
31. The coverage, conditions, and limitations in the master policy of a group contract can be
found in which document?ANS
Certificate of coverage and benefits
32. Which type of long-term care benefit would be most appropriate for a stroke victim who
requires speech therapy administered at her home?ANS
Home health care
33. A disability policyowner is injured and becomes totally disabled. The bene- fits pay for 2
years, starting from the date of the injury. What is this time period called?ANS
Benefit period
34. Under the Affordable Care Act, how would a grandfathered health plan lose its grandfathered
status?ANS
The insurer significantly raises co-insurance charges, deductibles, or co-payment charges
35. Which of these statements about Medicaid is CORRECT?ANS
Funded by fed- eral, state, and local taxes
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