Xcel Study guides, Class notes & Summaries
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XCEL SOLUTIONS PROPERTY & CASUALTY
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An earned premium resulting from the cancellation of a policy is calculated on: - Answer-On a pro rata basis, based on the previous year's rate 
 
M owns a parking garage & has coverage that states: "We will cover losses regardless if you are legally liable for the loss." This no-fault ideology will be found under: - Answer-Excess Direct Coverage 
 
An insurance company writing business in a state other than the one in which it is domiciled is called: - Answer-a Foreign 
 
Y is running a home...
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XCEL SOLUTIONS FINAL EXAM
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Insuring Which health policy clause specifies the amount of benefits to be paid - Answer-Insuring 
 
The investment gains from a universal life policy usually go to - Answer-The cash value 
 
L takes out a life insurance policy and dies 10 years later. During the claim process, the insurer finds out that the applicant misstated their age. What will the insurer do? - Answer-Adjust the death benefit to a reduced amount 
 
An employee is covered under a company group life plan with a $50,000 death ...
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XCEL Arizona Life and Health Insurance State Exam | Questions and answers with 100% correct solutions | Graded A+
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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 occupational accidents 
What year was the Mental Health Parity and Addiction Equity Act established? 20...
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XCEL Kentucky Life and Health Final Exam Practice with 100% Correct Answers | Verified | Latest Update 2024| Already Passed
- Exam (elaborations) • 76 pages • 2024
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S filed a written Proof of Loss for a Disability Income claim on September 1. The insurance 
company did not respond to the claim. S can take legal action against the insurer beginning: - 
November 1 
What is the excise tax rate the IRS imposes on individuals aged 70 1/2 or older who do not take 
the required minimum distributions from their qualified retirement plan? - 50% 
The provision in a Group Health policy that allows the insurer to postpone coverage for a 
covered illness 30 days after t...
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Xcel solutions final exam Maryland Life and health Questions and answers with 100% Complete solutions | verified &updated 2024 | Graded A+
- Exam (elaborations) • 11 pages • 2024
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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) - Warranty 
What is taken into consideration when defining "total disability" in a...
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Xcel Testing Solutions-Louisiana Life and Health Exam Simulator - 200 Questions with 100% Correct Answers | Verified | Latest Update 2024
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Which dividend option would an insurer invest the policy owner's money and add any interest 
earnings as the dividends accrue? 
-Accumulation at Interest Option 
-Cash Dividend Option 
-Paid-Up Additions Option 
-One-Year Term Dividend Option - The Accumulation at Interest Option - 
invests the policy owner's money and adds interest earnings to the initial amount of the 
dividends. 
Decreasing term life insurance is often used to? 
-provide retirement funds 
-provide coverage for a home mortga...
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Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 Questions with 100% Correct Answers | Verified | Latest Update 2024
- Exam (elaborations) • 39 pages • 2024
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The Do Not Call Registry offers exemptions for calls placed from all of the following EXCEPT - 
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 been 
cancelled in the middle of the term is called - cancelable 
The renewability provision in a cancelable policy allows the insurer to cancel or terminate the 
policy at any time, s...
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XCEL Exam Questions with Complete Solutions (2)
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XCEL Exam Questions with Complete Solutions (2) 
An insurance company that has been denied or not yet applied for a Certificate of Authority is called - Answer-Unauthorized 
 
When determining whether an annuity is suitable for a client, the producer should ask about which of the following? - Answer-Financial objectives 
Before a licensed producer is eligible to transact insurance sales, they must be - Answer-appointed by an insurance company 
A producer's fiduciary responsibility includes whic...
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XCEL Exam Questions with Complete Solutions (1)
- Exam (elaborations) • 4 pages • 2024
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XCEL Exam Questions with Complete Solutions (1) 
An insurance company that has been denied or not yet applied for a Certificate of Authority is called - Answer-Unauthorized 
 
When determining whether an annuity is suitable for a client, the producer should ask about which of the following? - Answer-Financial objectives 
 
Before a licensed producer is eligible to transact insurance sales, they must be - Answer-appointed by an insurance company 
 
A producer's fiduciary responsibility includes ...
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XCEL Chapter 3 Test Questions with Correct Answers
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XCEL Chapter 3 Test Questions with Correct Answers 
 
Which contract element is insurable interest a component of? 
A.	Competent parties 
B.	Offer and acceptance 
C.	Consideration 
D.	Legal purpose - Answer-Legal purpose 
 
In an insurance contract, the element that shows each party is giving something of value is called? 
A.	offer 
B.	acceptance 
C.	consideration 
D.	purpose - Answer-Consideration 
What makes an insurance policy a unilateral contract? 
A.	Only the insured pays the premium 
B.	O...
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