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Insurance license practice XCEL solutions FINAL EXAM #12 - Texas life only Questions and Answers 100% Pass
Insurance license practice XCEL solutions 
FINAL EXAM #12 - Texas life only 
Questions and Answers 100% Pass 
Question 1 
Which settlement option pays a stated amount to an annuitant, but no residual value to a beneficiary? - 
Life income 
Question 2 
A new agent must complete at least _____ hours of continuing education within 24 months of initial 
license? - 24 hours 
Question 3 
L takes out a life insurance policy and dies 10 years later. During the claim process, the insurer discovers 
that ...
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- Exam (elaborations)
- • 15 pages •
Insurance license practice XCEL solutions 
FINAL EXAM #12 - Texas life only 
Questions and Answers 100% Pass 
Question 1 
Which settlement option pays a stated amount to an annuitant, but no residual value to a beneficiary? - 
Life income 
Question 2 
A new agent must complete at least _____ hours of continuing education within 24 months of initial 
license? - 24 hours 
Question 3 
L takes out a life insurance policy and dies 10 years later. During the claim process, the insurer discovers 
that ...
Final Exam XCEL VA Exam Questions and Answers 100% Pass
Final Exam XCEL VA Exam Questions 
and Answers 100% Pass 
The free-look period for a new Medicare Supplement policy is - 30 days 
Al surrenders his life insurance policy for its cash value. The total of the premiums paid into the policy 
minus total dividends received in cash or used to offset premiums is referred to as the - cost basis 
All of these are duties that a producer may be required to perform when delivering an insurance policy 
EXCEPT - leave a conditional receipt with client 
which ...
- Package deal
- Exam (elaborations)
- • 14 pages •
Final Exam XCEL VA Exam Questions 
and Answers 100% Pass 
The free-look period for a new Medicare Supplement policy is - 30 days 
Al surrenders his life insurance policy for its cash value. The total of the premiums paid into the policy 
minus total dividends received in cash or used to offset premiums is referred to as the - cost basis 
All of these are duties that a producer may be required to perform when delivering an insurance policy 
EXCEPT - leave a conditional receipt with client 
which ...
North Carolina XCEL Testing Life & Health Insurance Exam Study Questions and Answers 100% Pass
North Carolina XCEL Testing Life & 
Health Insurance Exam Study 
Questions and Answers 100% Pass 
Which of the following requires insurers to disclose when an applicant's consumer or credit history is 
being investigated: - 1970 - Fair Credit Reporting Act 
What type of reinsurance contract involves two companies automatically sharing their risk exposure? - 
Treaty 
What is the name of the law that requires insurers to disclose information gathering practices and where 
the information was ob...
- Package deal
- Exam (elaborations)
- • 13 pages •
North Carolina XCEL Testing Life & 
Health Insurance Exam Study 
Questions and Answers 100% Pass 
Which of the following requires insurers to disclose when an applicant's consumer or credit history is 
being investigated: - 1970 - Fair Credit Reporting Act 
What type of reinsurance contract involves two companies automatically sharing their risk exposure? - 
Treaty 
What is the name of the law that requires insurers to disclose information gathering practices and where 
the information was ob...
NV XCEL Exam Questions and Answers 100% Pass
NV XCEL Exam Questions and 
Answers 100% Pass 
An incomplete life insurance app submitted to an insurer will result in which of these actions? - App 
will be returned to the writing agent 
Which of the following is an ex of defamation? 
(A) Circulating brochures falsely denouncing financial condition of an insurer 
(B) Making statements that encourage purchase of term life insurance over whole life 
(C) Issuing pamphlets containing false info about term life 
(D) Publishing a newsletter that mak...
- Package deal
- Exam (elaborations)
- • 49 pages •
NV XCEL Exam Questions and 
Answers 100% Pass 
An incomplete life insurance app submitted to an insurer will result in which of these actions? - App 
will be returned to the writing agent 
Which of the following is an ex of defamation? 
(A) Circulating brochures falsely denouncing financial condition of an insurer 
(B) Making statements that encourage purchase of term life insurance over whole life 
(C) Issuing pamphlets containing false info about term life 
(D) Publishing a newsletter that mak...
XCEL all chapter final exams/ insurance part 2 Questions and Answers 100% Pass
XCEL all chapter final exams/ 
insurance part 2 Questions and 
Answers 100% Pass 
A policyholder has a major medical plan with a 80%/20% coinsurance and a deductible of $75. If the 
insured has previously met her deductible and receives a bill for $175, how much will the insurer pay? - 
$140 
The conversion privilege under a group life plan allows an employee to convert to a(n) - individual 
plan upon employment termination 
The suicide clause of a life insurance policy states that if an insured...
- Package deal
- Exam (elaborations)
- • 19 pages •
XCEL all chapter final exams/ 
insurance part 2 Questions and 
Answers 100% Pass 
A policyholder has a major medical plan with a 80%/20% coinsurance and a deductible of $75. If the 
insured has previously met her deductible and receives a bill for $175, how much will the insurer pay? - 
$140 
The conversion privilege under a group life plan allows an employee to convert to a(n) - individual 
plan upon employment termination 
The suicide clause of a life insurance policy states that if an insured...
XCEL Arizona Life and Health Insurance State Exam Questions and Answers 100% Pass
XCEL Arizona Life and Health 
Insurance State Exam Questions and 
Answers 100% Pass 
Under a long-term care inflation rider, the benefit levels - periodically increase without proof of 
insurability 
In order for a health plan to be an "accountable health plan", who has to approve it? - the director 
Medicare Part A coinsurance payments are covered by - Medicare Supplement Plan A 
Employees generally receive workers compensation benefits for - lost wages and medical expenses 
due to occupa...
- Package deal
- Exam (elaborations)
- • 18 pages •
XCEL Arizona Life and Health 
Insurance State Exam Questions and 
Answers 100% Pass 
Under a long-term care inflation rider, the benefit levels - periodically increase without proof of 
insurability 
In order for a health plan to be an "accountable health plan", who has to approve it? - the director 
Medicare Part A coinsurance payments are covered by - Medicare Supplement Plan A 
Employees generally receive workers compensation benefits for - lost wages and medical expenses 
due to occupa...
XCEL Chapter 4 - Health and Accident Insurance Questions and Answers 100% Pass
XCEL Chapter 4 - Health and Accident 
Insurance Questions and Answers 
100% Pass 
Sole proprietors are permitted tax deductions for health costs paid from their earnings in the amount of - 
100% of costs 
What is issued to each employee of an employer health plan? - Certificate 
Health insurance will typically cover which of the following perils? - Injury due to accident 
The purpose of the Coordination of Benefits provision in group accident and health plan is to - Avoid 
overpayment of claims ...
- Package deal
- Exam (elaborations)
- • 6 pages •
XCEL Chapter 4 - Health and Accident 
Insurance Questions and Answers 
100% Pass 
Sole proprietors are permitted tax deductions for health costs paid from their earnings in the amount of - 
100% of costs 
What is issued to each employee of an employer health plan? - Certificate 
Health insurance will typically cover which of the following perils? - Injury due to accident 
The purpose of the Coordination of Benefits provision in group accident and health plan is to - Avoid 
overpayment of claims ...
UST Operator A/B Bundled Exams Questions and Answers 100% Pass Guaranteed | New Update!!
UST Operator A/B Bundled Exams Questions and Answers 100% Pass Guaranteed | New Update!!
- Package deal
- • 5 items •
- NJDEP UST Training for Class A&B Operators Exam Questions and Answers 100% Pass • Exam (elaborations)
- NJDEP Treatment Works Approval (TWA) Exam Questions and Answers 100% Pass • Exam (elaborations)
- Water Operator Exam Questions and Answers 100% Pass • Exam (elaborations)
- NJDEP BMP Manual Exam Questions and Answers 100% Pass • Exam (elaborations)
- Class D Water Operator Exam Questions and Answers 100% Pass • Exam (elaborations)
UST Operator A/B Bundled Exams Questions and Answers 100% Pass Guaranteed | New Update!!
Class A Operator UST Exam Questions and Answers 100% Pass
Class A Operator UST Exam 
Questions and Answers 100% Pass 
Is this statement true or false? Fiberglass and flexible plastic piping do not need to have cathodic 
protection. - False. 
Cathodic protection - a technique used to control the corrosion of a metal surface by making it the 
cathode of an electrochemical cell. A simple method of protection connects the metal to be protected to a 
more easily corroded "sacrificial metal" to act as the anode. 
Fill in the blank to make the statement...
- Exam (elaborations)
- • 11 pages •
Class A Operator UST Exam 
Questions and Answers 100% Pass 
Is this statement true or false? Fiberglass and flexible plastic piping do not need to have cathodic 
protection. - False. 
Cathodic protection - a technique used to control the corrosion of a metal surface by making it the 
cathode of an electrochemical cell. A simple method of protection connects the metal to be protected to a 
more easily corroded "sacrificial metal" to act as the anode. 
Fill in the blank to make the statement...
Class D Water Operator Exam Questions and Answers 100% Pass
Class D Water Operator Exam 
Questions and Answers 100% Pass 
What are some physical characteristics of water? - Temperature, turbidity, color, taste, odor 
What are some chemical characteristics of water? - Hardness, pH, solids, and gases 
What is turbidity? - the amount of suspended matter, such as clay, silt, organic matter, and 
microorganisms in water 
T/F Water is never found pure in nature. - True 
Is turbidity more of a problem in groundwater or surface water? - Surface water 
A system...
- Package deal
- Exam (elaborations)
- • 16 pages •
Class D Water Operator Exam 
Questions and Answers 100% Pass 
What are some physical characteristics of water? - Temperature, turbidity, color, taste, odor 
What are some chemical characteristics of water? - Hardness, pH, solids, and gases 
What is turbidity? - the amount of suspended matter, such as clay, silt, organic matter, and 
microorganisms in water 
T/F Water is never found pure in nature. - True 
Is turbidity more of a problem in groundwater or surface water? - Surface water 
A system...
Hvac Journeyman Exam Questions and Answers 100% Pass
Florida Aquatic Pest Control Exam Questions and Answers 100% Pass
Fiber Installation and Activation Exam Questions and Answers 100% Pass
Florida Aquatic Pest Control Exam Questions and Answers 100% Pass
Cheat Sheet - Property & Casualty Exam Questions and Answers 100% Pass
Hard to understand