Xcel life policies exam - Study guides, Class notes & Summaries
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CT Life & Health Insurance Exam 2024 (XCEL SOLUTIONS & PROMETRIC) Questions and Answers (100%Correct).
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CT Life & Health Insurance Exam 2024 (XCEL SOLUTIONS & PROMETRIC) Questions and Answers (100%Correct). 
Laura added a children's rider to her life insurance policy. What type of coverage was added? - 
ANSWER Level term 
With life insurance, the needs approach is used primarily in determining - ANSWER How 
much life insurance a client should apply for 
A(n) __________ is a licensee who charges a fee for contracted insurance advisory services. - 
ANSWER Consultant 
Jonas is covered with disabilit...
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XCEL Simulator FL Exam 2023/2024 Questions and Answers (100%Verified) Rated A+.
- Exam (elaborations) • 30 pages • 2023
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XCEL Simulator FL Exam 2023/2024 Questions and Answers (100%Verified) Rated A+. 
S recently received a $500,000 lump sum retirement buyout from her employer. She 
would like to buy an annuity that will immediately furnish herguaranteed 
income for life. What type of annuity is best suited for her situation? - Answer Single 
Premium. 
Immediate Annuities are purchasedsingle lump sum payment and will start 
providing income payments within the first year, but usually starting 30 days from the 
pur...
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CT Life & Health Insurance Exam 2024 (XCEL SOLUTIONS & PROMETRIC) Questions and Answers (100%Correct).
- Exam (elaborations) • 29 pages • 2024
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CT Life & Health Insurance Exam 2024 (XCEL SOLUTIONS & PROMETRIC) Questions and Answers (100%Correct). 
Laura added a children's rider to her life insurance policy. What type of coverage was added? - 
ANSWER Level term 
With life insurance, the needs approach is used primarily in determining - ANSWER How 
much life insurance a client should apply for 
A(n) __________ is a licensee who charges a fee for contracted insurance advisory services. - 
ANSWER Consultant 
Jonas is covered with disabilit...
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XCEL Exam Solutions
- Exam (elaborations) • 18 pages • 2024
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XCEL Exam Solutions 
 
A partial surrender is allowed in which of the following life policies? - Universal life 
 
All of the following riders can increase the death benefit amount EXCEPT - Waiver of 
Premium 
 
A health insurance policy where the insurer has the right to terminate the policy fr reasons other 
than the insureds health is called - Conditionally Renewable 
 
A proposed insured for a health insurance policy was treated for heart disease within the past 
year. When applying for heal...
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CT Life & Health Insurance Exam 2024 (XCEL SOLUTIONS & PROMETRIC) Questions and Answers (100%Correct).
- Exam (elaborations) • 29 pages • 2024
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- $12.99
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CT Life & Health Insurance Exam 2024 (XCEL SOLUTIONS & PROMETRIC) Questions and Answers (100%Correct). 
Laura added a children's rider to her life insurance policy. What type of coverage was added? - 
ANSWER Level term 
With life insurance, the needs approach is used primarily in determining - ANSWER How 
much life insurance a client should apply for 
A(n) __________ is a licensee who charges a fee for contracted insurance advisory services. - 
ANSWER Consultant 
Jonas is covered with disabilit...
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XCEL Simulator FL Exam 2023/2024 Questions and Answers (100%Verified) Rated A+.
- Exam (elaborations) • 30 pages • 2023
- Available in package deal
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- $12.99
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XCEL Simulator FL Exam 2023/2024 Questions and Answers (100%Verified) Rated A+. 
S recently received a $500,000 lump sum retirement buyout from her employer. She 
would like to buy an annuity that will immediately furnish herguaranteed 
income for life. What type of annuity is best suited for her situation? - Answer Single 
Premium. 
Immediate Annuities are purchasedsingle lump sum payment and will start 
providing income payments within the first year, but usually starting 30 days from the 
pur...
-
XCEL Simulator FL Exam 2023/2024 Questions and Answers (100%Verified) Rated A+.
- Exam (elaborations) • 30 pages • 2023
- Available in package deal
-
- $12.99
- + learn more
XCEL Simulator FL Exam 2023/2024 Questions and Answers (100%Verified) Rated A+. 
S recently received a $500,000 lump sum retirement buyout from her employer. She 
would like to buy an annuity that will immediately furnish herguaranteed 
income for life. What type of annuity is best suited for her situation? - Answer Single 
Premium. 
Immediate Annuities are purchasedsingle lump sum payment and will start 
providing income payments within the first year, but usually starting 30 days from the 
pur...
-
Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 Questions with Verified Solutions
- Exam (elaborations) • 38 pages • 2024
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Xcel Testing Solutions- Life and Health 
Insurance- Weighted Exam- 150 
Questions with Verified Solutions 
 
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 ren...
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1 XCEL OHIO LIFE AND HEALTH EXAM STUDY QUESTIONS AND ANSWERS, 100% ACCURATE, RATED A+
- Exam (elaborations) • 21 pages • 2024
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1 XCEL OHIO LIFE AND HEALTH EXAM STUDY QUESTIONS AND 
ANSWERS, 100% ACCURATE, RATED A+ 
completely and permanently disabled - -A waiver of premium rider allows an insured to waive 
premium payments if the insured is 
A paid premium - -Which of the following is an example of the insured's consideration? 
private duty nursing - -which of the following is NOT typically under "Hospital care" for most health 
insuring corporation 
10 - -A life insurance policyowner is allowed __ days upon polic...
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XCEL Kentucky Life and Health Final Exam 100% Solved
- Exam (elaborations) • 73 pages • 2024
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XCEL Kentucky Life and Health Final Exam 100% Solved 
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 ...
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