Xcel final study - Study guides, Class notes & Summaries

Typically, Long-Term Disability benefits are coordinated with which benefit plan? - Social Security The focus of major medical insurance is providing coverage for - medical and hospitalization expenses An insured under a Major Medical expense plan with a zero deductible and 80/20 coinsurance provision files a $1,000 claim. How much of this claim is the insured responsible for? - $200 because this policy has a zero deductible, the insures is only responsible for the 20% coinsurance on th...

Xcel Study Guide Final exam QUESTION AND ANSWERS 2024 Which of the following protects a policy owner from a misrepresentation caused by an innocent mistake? Incontestable clause When replacing a life insurance policy an agent must provide the applicant with a Notice regarding replacement A person covered with an individual health plan Is issued a policy All agents shall maintain full and correct transaction records of the business done by them for a period of at least 6 years The ta...

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Xcel Solutions Final Exam - Michigan Life and Health Exam Questions With Correct Answers Shawn, Mike, and Dave are brothers who have a $100,000 "first to die" joint life policy covering all three of their lives. If Mike dies first, the policy proceeds A.) Will no longer provide insurance protection B.) Will go to Mike's estate C.) Wwill be divided by probate D.) Will not be paid until the last brother dies - answerA.) Will no longer provide insurance protection Susan is insured thro...

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The commissioner is in power to Enforce state laws relating to insurance Which of the following constitutes grounds for suspending an Arkansas producers license Felony conviction What must the company do prior to conducting an HIV related test Obtain a written consent from the proposed insured The automatic premium loan provision authorizes an insurer to withdraw from the policy's cash value the amount of Past due premiums that have not been paid by the end of the grace...