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Xcel Life Insurance Exam With Correct Answers 2025.
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Xcel Life Insurance Exam With Correct Answers 2025.
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Xcel Life Insurance Exam With CorrectAnswers 2025.
Replacement regulation is designed to protect - ANSWER- Policyowners from
mirepresentation and loss of benefits
All Health Benefit Plans issued after January 1, 2014 must provide - ANSWER-
Preventative health services
Which of these will have the highest monthly payout upon annuitization - ANSWER-
Straight life
Which of the following is included in the entire contract according ti the entire contract
provison? - ANSWER- Clauses
Which of the following is considered to be an alternative to a life settlement? -
ANSWER- Accelered death benefit rider
With a scheduled dental policy, how are covered expense paid? - ANSWER- Benefits
are limited to a specific maximum dollar amount per procedure
Coordination of benefits regulation applies to all of the following plans EXCEPT -
ANSWER- Preferred provider Organization plan
Which approach predicts a person's earning potential and determines how much of that
amount would be devoted to dependents? - ANSWER- Human life value approach
Which of the following policies does NOT build cash value? - ANSWER- Term
Which of these is a method of determining the level of funds required for ongoing
support in the event of the breadwinner's death? - ANSWER- Human life value
The free look period provided in a life insurance policy is usually - ANSWER- 10 days
What does "SHOP" stand in SHOP Exchange? - ANSWER- Small Business Health
Options Program
An employer is issued a group medical insurance policy. This single contract is known
as a(n) - ANSWER- master policy
Which of the following is NOT covered under Workers' Compensation? - ANSWER-
Pain and suffering
, Which of the following provides Medicare supplement policies? - ANSWER- Private
insurance companies
A life settlement intermediary is a(n) - ANSWER- association which maintains a facility
that displays offers and counteroffers for purchasers or sellers of life settlement
contracts
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
made? - ANSWER- Refund annuity
The is responsible for determining the appropriateness of a Medicare Supplement policy
for an applicant. - ANSWER- Agent
The purpose of the Coordination of Benefits provision in group accident and health
plans is to - ANSWER- avoid overpayment of claims
Medicaid is intended for - ANSWER- poverty stricken people
A provision that allows a policyowner to temporarily give up ownership rights to secure a
loan is called a(n) - ANSWER- collateral assignment
A disability policy where the premiums are due monthly require a grace period of -
ANSWER- 10 days
Tom the agent replaced a client's insurance policy when it was not in the client's best
interest. Tom could be found guilty of - ANSWER- twisting
Which type of annuity stops all payments upon the death of the annuitant? - ANSWER-
Life annuity
Decreasing term life insurance is often used to - ANSWER- provide coverage for a
home mortgage
What does a life insurance policy guarantee to the stated beneficiary upon the death of
the insured? - ANSWER- Specified amount of money
Major medical insurance will typically cover medical expenses that result from -
ANSWER- a negative reaction to prescribed medication
The typical long-term care insurance policy is designed to provide a minimum
of__________ year(s) of coverage - ANSWER- 1
The double indemnity provision in a life insurance policy pertains to an insured's death
caused by a(n) - ANSWER- accident
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