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Xcell Testing Solutions (Life & Health) Final 150 Question Practice Exam Questions and Answers 100% Pass
Xcell Testing Solutions (Life & Health) Final 150 Question 
Practice Exam Questions and Answers 100% Pass 
When can a policy owner change a revocable beneficiary? - Correct Answer ️️ - 
Anytime 
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? - Correct Answer ️️ -Revocable 
How would a contingent beneficiary receive the policy proceeds...
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- Exam (elaborations)
- • 20 pages •
Xcell Testing Solutions (Life & Health) Final 150 Question 
Practice Exam Questions and Answers 100% Pass 
When can a policy owner change a revocable beneficiary? - Correct Answer ️️ - 
Anytime 
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? - Correct Answer ️️ -Revocable 
How would a contingent beneficiary receive the policy proceeds...
Xcel Solutions Property & Casualty Exam Questions and Answers
Xcel Solutions Property & Casualty 
Exam Questions and Answers 
An earned premium resulting from the cancellation of a policy is calculated on: - Correct 
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: - Correct 
Answer ️️ -Excess Direct Coverage 
An insurance company writing business in a state o...
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- Exam (elaborations)
- • 15 pages •
Xcel Solutions Property & Casualty 
Exam Questions and Answers 
An earned premium resulting from the cancellation of a policy is calculated on: - Correct 
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: - Correct 
Answer ️️ -Excess Direct Coverage 
An insurance company writing business in a state o...
XCEL Bundled Exams Questions and Answers 100% Verified and Updated 2024 Graded A
XCEL Bundled Exams Questions and Answers 100% Verified and Updated 2024 Graded A
- Package deal
- • 9 items •
- Laws and Rules Pertinent to Insurance Exam 2024 • Exam (elaborations)
- Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 Questions and Answers 2024 with complete solution • Exam (elaborations)
- Xcel solutions final exam questions and answers • Exam (elaborations)
- Xcel Practice Chapter Exam 2024 Questions and Answers with complete solution • Exam (elaborations)
- XCEL Life and Health Insurance Test Review 2024 with complete solution • Exam (elaborations)
- And more ….
XCEL Bundled Exams Questions and Answers 100% Verified and Updated 2024 Graded A
Xcel Final Exam 2024 Questions and Answers 100% Pass
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...
- Exam (elaborations)
- • 31 pages •
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...
Xcel Solutions Final Exam 2024 Questions and Answers
Xcel Solutions Final Exam 2024 
Who does a life settlement broker represent? - Answer ️️ -Individual wanting to sell their life 
policy to a third party 
What is the insurance term the State of California uses for an insurer that is eligible to transact 
business in this state? - Answer ️️ -Admitted 
Most U.S. life insurance companies belong to the - Answer ️️ -Medical Information Bureau 
Which of the following healthcare providers provide both the healthcare services and healthcare ...
- Exam (elaborations)
- • 13 pages •
Xcel Solutions Final Exam 2024 
Who does a life settlement broker represent? - Answer ️️ -Individual wanting to sell their life 
policy to a third party 
What is the insurance term the State of California uses for an insurer that is eligible to transact 
business in this state? - Answer ️️ -Admitted 
Most U.S. life insurance companies belong to the - Answer ️️ -Medical Information Bureau 
Which of the following healthcare providers provide both the healthcare services and healthcare ...
Comprehensive Final Certification Exam: Illinois Health Insurance (Xcel Solutions)
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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- Exam (elaborations)
- • 9 pages •
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...
North Carolina XCEL Testing Life & Health Insurance Exam Study Guide 2024 with complete solution
North Carolina XCEL Testing Life & Health 
Insurance Exam Study Guide 2024 with 
complete solution 
Which of the following requires insurers to disclose when an applicant's consumer or credit 
history is being investigated: - Answer ️️ -1970 - Fair Credit Reporting Act 
What type of reinsurance contract involves two companies automatically sharing their risk 
exposure? - Answer ️️ -Treaty 
What is the name of the law that requires insurers to disclose information gathering practices and...
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- Exam (elaborations)
- • 12 pages •
North Carolina XCEL Testing Life & Health 
Insurance Exam Study Guide 2024 with 
complete solution 
Which of the following requires insurers to disclose when an applicant's consumer or credit 
history is being investigated: - Answer ️️ -1970 - Fair Credit Reporting Act 
What type of reinsurance contract involves two companies automatically sharing their risk 
exposure? - Answer ️️ -Treaty 
What is the name of the law that requires insurers to disclose information gathering practices and...
Xcel Laws and Rules Pertinent to Insurance Exam 2024 with complete solution
Xcel Laws and Rules Pertinent to Insurance 
Exam 2024 with complete solution 
What must an agent sign when an existing Life Insurance policy is being reissued with a 
reduction in cash value? 
Policy Summary 
Buyer's Guide 
Affidavit 
Notice Regarding Replacement of Life Insurance or Annuity - Answer ️️ -Notice Regarding 
Replacement of Life Insurance or Annuity 
Which of these circumstances requires an agent to make reasonable efforts to obtain information 
concerning the suitability of an...
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- Exam (elaborations)
- • 11 pages •
Xcel Laws and Rules Pertinent to Insurance 
Exam 2024 with complete solution 
What must an agent sign when an existing Life Insurance policy is being reissued with a 
reduction in cash value? 
Policy Summary 
Buyer's Guide 
Affidavit 
Notice Regarding Replacement of Life Insurance or Annuity - Answer ️️ -Notice Regarding 
Replacement of Life Insurance or Annuity 
Which of these circumstances requires an agent to make reasonable efforts to obtain information 
concerning the suitability of an...
Xcel Testing Solutions-Louisiana Life and Health Exam Simulator - 200 Questions and Answers 2024 with complete solution
Xcel Testing Solutions-Louisiana Life and Health Exam 
Simulator - 200 Questions and Answers 2024 with 
complete solution 
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 - Answer ️️ -The Accumulation at Interest Option - 
invests the policy owner's money and adds interest earnings to the initial a...
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- Exam (elaborations)
- • 65 pages •
Xcel Testing Solutions-Louisiana Life and Health Exam 
Simulator - 200 Questions and Answers 2024 with 
complete solution 
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 - Answer ️️ -The Accumulation at Interest Option - 
invests the policy owner's money and adds interest earnings to the initial a...
XCEL Life and Health Insurance Test Review 2024 with complete solution
XCEL Life and Health Insurance Test 
Review 2024 with complete solution 
Period Certain - Answer ️️ -Which annuity payout option allows the policy owner to choose a 
pre-determined number of benefit payments? 
Life only annuity - Answer ️️ -Which annuity payout option has no additional payouts 
regardless of when the annuitant dies 
Errors and Omissions - Answer ️️ -a professional liability for which producers can be sued for 
mistakes of putting a policy into effect 
irrevocable ben...
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- Exam (elaborations)
- • 18 pages •
XCEL Life and Health Insurance Test 
Review 2024 with complete solution 
Period Certain - Answer ️️ -Which annuity payout option allows the policy owner to choose a 
pre-determined number of benefit payments? 
Life only annuity - Answer ️️ -Which annuity payout option has no additional payouts 
regardless of when the annuitant dies 
Errors and Omissions - Answer ️️ -a professional liability for which producers can be sued for 
mistakes of putting a policy into effect 
irrevocable ben...
Earth Science Exam Review 2024 with Complete Solutions
Hondros Nursing 172 Exam 2 Questions and Answers 100% Pass
Oregon Pesticide Examination: Ornamental and Turf Herbicide Questions and Answers 100% Pass
Xcel Solutions Property & Casualty Exam Questions and Answers
INSY-3303 FINAL EXAM STUDY GUIDE WITH COMPLETE SOLUTIONS
the answers are incorrect