XCEL solutions Exam Q&A Latest Update 2025-2026

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XCEL solutions Exam | Q&A Latest 2025/2026 | 100% PASS A partial surrender is allowed in which of the following life policies? Answer -Universal life All of the following riders can increase the death benefit amount EXCEPT - Answer -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 - Answer Conditionally Renewable A proposed insured for a health insurance policy was treated for heart disease within the past year. When applying for health insurance, the heart disease treatment - Answer -Indicates a preexisting condition How do interest earnings accumulated in a deferred annuity - Answer On a tax-deferred basis Which of the following statements is NOT true regarding a Critical Illness Plan - Answer -Coverage is limited to a single devastating disease Which of these is a TRUE statement regarding HIC's - Answer -HIC's operate on a prepayment basis James is insured on a life insurance policy where his age was misstated on the application. Which of the following is CORRECT regarding the death benefit amount? - Answer -The death benefit paid will be what the premium would have purchased at the correct age