Xcel final exam Study guides, Class notes & Summaries
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XCEL FINAL STUDY LOUISIANA LHA INSURANCE EXAM QUESTIONS & ANSWERS 2023/2024
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XCEL FINAL STUDY LOUISIANA LHA INSURANCE EXAM QUESTIONS & ANSWERS 2023/2024 
 
Under group health insurance, a certificate of coverage is issued to the - ANSWER-employee 
 
Which of the following actions may an insurance company NOT do in a health policy that contains a guaranteed renewable premium benefit? - ANSWER-Increase the premiums on an individual basis 
 
A payment system for health care in which the provider is paid for each service given is called - ANSWER-fee-for-service 
 
The free l...
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Comprehensive Final Certification Exam: Illinois Health Insurance (Xcel Solutions)
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Comprehensive Final Certification Exam: 
Illinois Health Insurance (Xcel Solutions) 
Which type of long-term care benefit would be most appropriate for a stroke victim who requires 
speech therapy administered at her home? - Answer ️️ -home health care 
Jennifer is required to pay a specific sum out of pocket before any benefits are paid in a year. Her 
health policy most likely contains a(n) - Answer ️️ -deductible 
When a producer submits an insurance applicaton, the application is REQ...
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XCEL Final Exam California Life Insurance Exam Questions and Answers 2024
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A savings vehicle designed to first accumulate funds and then systematically liquidates the funds is called a(n) - Deferred Annuity 
 
Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly payments for 5 years, Cindy dies. How many remaining payments will the insurer make to her beneficiary? - 60 Payments 
 
What distinguishes a deferred annuity from an immediate annuity? - The time at which benefit payments start 
 
The systematic liquidation of a sum of money...
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Xcel Final Exam/Comprehensive Of Life And Health Insurance With Complete Solution
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Xcel Final Exam/Comprehensive Of Life And Health Insurance With Complete Solution
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Xcel solutions final exam questions and answers
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Xcel solutions final exam 
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 unde...
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Xcel Final Exam
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Typically, Long-Term Disability benefits are coordinated with which benefit plan? - Answer-Social Security 
 
The focus of major medical insurance is providing coverage for - Answer-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? - Answer-$200 
 
because this policy has a zero deductible, the insures is only responsible for the ...
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Xcel Solutions Final Exam(California Life, Accident, and Health Insurance Final exam questions and answers)2023
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Xcel Solutions Final Exam(California Life, Accident, and Health Insurance Final exam questions and answers)2023
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XCEL Testing Solutions (Life & Health) Final Practice Exam Questions With 100% Correct Answers
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XCEL Testing Solutions (Life & Health) Final Practice Exam Questions With 100% Correct Answers
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Xcel Final Exam 2024
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Xcel Final Exam 2024 
Typically, Long-Term Disability benefits are coordinated with which benefit plan? - Answer ️️ 
-Social Security 
The focus of major medical insurance is providing coverage for - Answer ️️ -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? - Answer ️️ 
-$200 
because this policy has a zero deductib...
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Xcel Final Exam| Questions and Verified Answers| 100% Correct| Grade A (Latest 2024/ 2025)
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Xcel Final Exam| Questions and Verified Answers| 100% Correct| Grade A (Latest 2024/ 2025) 
 
Q: P is a producer who notices 5 questions on a life application were not answered. What actions should P take? 
 
 
Answer: 
Set up a meeting with the applicant to answer the remaining questions 
 
 
 
Q: Q applied for life insurance and submitted the initial premium on January 1. The policy was issued February 1, but it was not delivered by the agent until February 7. Q is dissatisfied and returns the...
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XCEL FINAL EXAM QUESTIONS AND ANSWERS
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____________ is NOT an element of a valid contract. - Answer-Taxable income. 
 
Disability insurance benefits from a group policy paid for by an employer is considered taxable income. 
 
"maximum benefits" refers to the - Answer-upper limit of the total lifetime benefits the insurance company will pay 
 
A business will typically use which type of life insurance to cover their employees? - Answer-Group policy 
 
A clause that allows an insurer the right to terminate coverage at any anniversary...
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Xcel Testing Solutions (Life & Health) Final 150 Question Practice Exam complete Questions and Answers
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Xcel Testing Solutions (Life & Health) Final 150 Question Practice Exam complete Questions and Answers 
When can a policy owner change a revocable beneficiary? 
M purchased an Accidental Death and Dismemberment (AD&D) policy and named his son as beneficiary. M has the right to change the beneficiary designation at anytime. What type of beneficiary is his son? 
How would a contingent beneficiary receive the policy proceeds in an Accidental Death and Dismemberment (AD&D) policy? 
What is the un...
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