XCEL Testing Solutions
Life & Health Insurance
Weighted Exam (150
Questions) 2026
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success|
Updated 2026 Questions and Answers
100% Verified Exam Prep and Comprehensive
Rationales
Included
, Health insurance will typically cover which of the Injury due to accident
following perils? Accidental injury is typically a covered peril in health insurance.
A viatical settlement contract is an agreement between A life insurance policyowner and a viatical settlement provider
A viatical settlement contract is an agreement between a life insurance
policyowner and a viatical settlement provider.
Under the Affordable Care Act, how would a The insurer significantly raises co-insurance charges, deductibles, or co-payment
grandfathered health plan lose its grandfathered status? charges
According to the Affordable Care Act, grandfathered health plans may lose their
grandfathered status if the insurer significantly raises co-insurance charges,
deductibles, or co-payment charges
Which of these techniques will remove the risk of losing Risk avoidance
money in the stock market by never purchasing stocks? Risk avoidance could eliminate the risk of losing money in the stock market by
never investing in stocks.
Which of the following nursing home options would BEST Assisted living facilities
suit an individual who needs some nursing care and An assisted living facility would best suit an individual who needs some nursing
supervision but NOT full-time care? care and supervision but not full-time care.
Under Louisiana law, the agreement between an an appointment
insurance producer and insurer under which the The agreement between an insurance producer and insurer under which the
insurance producer, for compensation, may sell, solicit, or insurance producer, for compensation, may sell, solicit, or negotiate policies
negotiate policies issued by the insurer is defined as issued by the insurer is called an appointment.
Which of these would NOT be considered a presumptive Loss of a leg or arm
disability? The loss of ONE arm or a leg is NOT considered a presumptive disability.
A producer's license in Louisiana must be renewed every Two years
Producer licenses are issued for periods of 2 years.
Bill requires some nursing care and supervision but NOT Assisted living
full-time care. Which of these nursing home options An assisted living facility would best suit an individual who needs some nursing
would best serve him? care and supervision but not full-time care.
The open enrollment period for Medicare Supplements 65
begins at age Open enrollment for Medicare Supplements begins at the age the individual
becomes eligible for Medicare, which is typically age 65.
Mark continues working after the age of 65 and is Medicare is the secondary payer
covered through his employer's group health plan. Which If an individual continues to work after the age of 65 and keeps the group plan,
of the following statements is TRUE? primary coverage comes from the group insurance plan and Medicare is
considered the secondary payer.
A whole life policy option where extended term nonforfeiture option
insurance is selected is called a(n) A nonforfeiture provision in a whole life policy that uses cash value to purchase
term insurance equal to the existing amount of life insurance is called the
extended term option.
Life & Health Insurance
Weighted Exam (150
Questions) 2026
|Graded A+ | Guaranteed
success|
Updated 2026 Questions and Answers
100% Verified Exam Prep and Comprehensive
Rationales
Included
, Health insurance will typically cover which of the Injury due to accident
following perils? Accidental injury is typically a covered peril in health insurance.
A viatical settlement contract is an agreement between A life insurance policyowner and a viatical settlement provider
A viatical settlement contract is an agreement between a life insurance
policyowner and a viatical settlement provider.
Under the Affordable Care Act, how would a The insurer significantly raises co-insurance charges, deductibles, or co-payment
grandfathered health plan lose its grandfathered status? charges
According to the Affordable Care Act, grandfathered health plans may lose their
grandfathered status if the insurer significantly raises co-insurance charges,
deductibles, or co-payment charges
Which of these techniques will remove the risk of losing Risk avoidance
money in the stock market by never purchasing stocks? Risk avoidance could eliminate the risk of losing money in the stock market by
never investing in stocks.
Which of the following nursing home options would BEST Assisted living facilities
suit an individual who needs some nursing care and An assisted living facility would best suit an individual who needs some nursing
supervision but NOT full-time care? care and supervision but not full-time care.
Under Louisiana law, the agreement between an an appointment
insurance producer and insurer under which the The agreement between an insurance producer and insurer under which the
insurance producer, for compensation, may sell, solicit, or insurance producer, for compensation, may sell, solicit, or negotiate policies
negotiate policies issued by the insurer is defined as issued by the insurer is called an appointment.
Which of these would NOT be considered a presumptive Loss of a leg or arm
disability? The loss of ONE arm or a leg is NOT considered a presumptive disability.
A producer's license in Louisiana must be renewed every Two years
Producer licenses are issued for periods of 2 years.
Bill requires some nursing care and supervision but NOT Assisted living
full-time care. Which of these nursing home options An assisted living facility would best suit an individual who needs some nursing
would best serve him? care and supervision but not full-time care.
The open enrollment period for Medicare Supplements 65
begins at age Open enrollment for Medicare Supplements begins at the age the individual
becomes eligible for Medicare, which is typically age 65.
Mark continues working after the age of 65 and is Medicare is the secondary payer
covered through his employer's group health plan. Which If an individual continues to work after the age of 65 and keeps the group plan,
of the following statements is TRUE? primary coverage comes from the group insurance plan and Medicare is
considered the secondary payer.
A whole life policy option where extended term nonforfeiture option
insurance is selected is called a(n) A nonforfeiture provision in a whole life policy that uses cash value to purchase
term insurance equal to the existing amount of life insurance is called the
extended term option.
