9/10/25, 11:58 AM Laws and Rules OHIO Life & Health Insurance XCEL
XCEL OHIO – ACTUAL EXAM (LIFE & HEALTH INSURANCE) EXPERT
VERIFIED ACTUAL QUESTIONS & ANSWERS FOR GUARANTEED
PASS | NEWEST UPDATE, 2025/2026.
As of January 1, 2014, an 50%
employer with up to 25 FTE's
with average annual wages
<
$50,000 may be eligible for a
tax credit of
___% of the premiums paid by
the employer.
If an insurer refuses to pay 60 days
a claim, how many days
must the insured wait to
take legal action against a
health insurer after
submitting written proof
of loss?
A life insurance applicant 3 months
in Ohio may backdate
the application for up to
___ months
A common exclusion or endodontics
limitation on dental policy is:
Coverage for newborns birth abnormalities
under accident and health
plan MUST include
coverage for:
/ 1/21
,9/10/25, 11:58 AM Laws and Rules OHIO Life & Health Insurance XCEL
An example of endodontic root canal
treatment is a: bridge
crown
filling
root
canal
An employee has ___ days 30 days
after date of marriage to add
a new spouse to a small
group health plan.
In Ohio, semi annual 31 days
premium health insurance
must provide a grace
period of at least:
7 days
10 days
20 days
31 days
A licensed agent must be ___ appointed
by an insurer to be eligible
for soliciting insurance
contracts.
REPLACEMENT can be BEST exchanging a new policy for one already in force
described as:
When screening an applicant may require blood test for HIV
for HIV, the insurer:
may require a blood test for
HIV
may inquire about applicant's
sexual history may inquire
about applicant's sexual
orientation
may ask applicant's relatives
confirming sexual
orientation
offer to buy, sell, give or allow the prospective insured
Inducement is BEST defined
as employment, stock, or special favors in exchange for
insurance transaction
/ 2/21
, 9/10/25, 11:58 AM Laws and Rules OHIO Life & Health Insurance XCEL
An agent's license has been 12 months
suspended for non-
renewal. The agent may
apply for reinstatement
within ___ months of the
license renewal date
The first payment for 31 days
newborn accident and
health coverage is due ___
days after birth
How are health plans Bronze, Silver, Gold and Platinum
classified according to the
Affordable Care Act?
An insurer may refuse to nonpayment of premium
renew an employer's small
group health plan due to:
If an agent is believed to issue a cease and desist order against the agent
be causing considerable
harm, the superintendent
may:
An insurance company has 30 days
just received a request for
verification from a viatical
settlement provider. The
insurer is required to
respond within ___ calendar
days to this
request.
maximum benefits upper limit of total lifetime benefits that the insurance company
will pay
Misrepresentation falsifying terms, benefits, advantages, or conditions of insurance
policy
/ 3/21
XCEL OHIO – ACTUAL EXAM (LIFE & HEALTH INSURANCE) EXPERT
VERIFIED ACTUAL QUESTIONS & ANSWERS FOR GUARANTEED
PASS | NEWEST UPDATE, 2025/2026.
As of January 1, 2014, an 50%
employer with up to 25 FTE's
with average annual wages
<
$50,000 may be eligible for a
tax credit of
___% of the premiums paid by
the employer.
If an insurer refuses to pay 60 days
a claim, how many days
must the insured wait to
take legal action against a
health insurer after
submitting written proof
of loss?
A life insurance applicant 3 months
in Ohio may backdate
the application for up to
___ months
A common exclusion or endodontics
limitation on dental policy is:
Coverage for newborns birth abnormalities
under accident and health
plan MUST include
coverage for:
/ 1/21
,9/10/25, 11:58 AM Laws and Rules OHIO Life & Health Insurance XCEL
An example of endodontic root canal
treatment is a: bridge
crown
filling
root
canal
An employee has ___ days 30 days
after date of marriage to add
a new spouse to a small
group health plan.
In Ohio, semi annual 31 days
premium health insurance
must provide a grace
period of at least:
7 days
10 days
20 days
31 days
A licensed agent must be ___ appointed
by an insurer to be eligible
for soliciting insurance
contracts.
REPLACEMENT can be BEST exchanging a new policy for one already in force
described as:
When screening an applicant may require blood test for HIV
for HIV, the insurer:
may require a blood test for
HIV
may inquire about applicant's
sexual history may inquire
about applicant's sexual
orientation
may ask applicant's relatives
confirming sexual
orientation
offer to buy, sell, give or allow the prospective insured
Inducement is BEST defined
as employment, stock, or special favors in exchange for
insurance transaction
/ 2/21
, 9/10/25, 11:58 AM Laws and Rules OHIO Life & Health Insurance XCEL
An agent's license has been 12 months
suspended for non-
renewal. The agent may
apply for reinstatement
within ___ months of the
license renewal date
The first payment for 31 days
newborn accident and
health coverage is due ___
days after birth
How are health plans Bronze, Silver, Gold and Platinum
classified according to the
Affordable Care Act?
An insurer may refuse to nonpayment of premium
renew an employer's small
group health plan due to:
If an agent is believed to issue a cease and desist order against the agent
be causing considerable
harm, the superintendent
may:
An insurance company has 30 days
just received a request for
verification from a viatical
settlement provider. The
insurer is required to
respond within ___ calendar
days to this
request.
maximum benefits upper limit of total lifetime benefits that the insurance company
will pay
Misrepresentation falsifying terms, benefits, advantages, or conditions of insurance
policy
/ 3/21
