XCEL LIFE AND HEALTH INSURANCE FINAL EXAM NEWEST 2026 ACTUAL EXAM COMPLETE 150 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+

XCEL LIFE AND HEALTH INSURANCE FINAL EXAM NEWEST 2026 ACTUAL EXAM COMPLETE 150 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+
Question: What is the stated amount or percent of liquid assets
that an insurer must have on hand that will satisfy future
obligations to its policyholders called?
ANSWER: Reserves

Question: Who elects the governing body of a mutual insurance
company?
ANSWER: policyholders

Question: What describes a participating insurance policy where
policyowners are entitled to receive dividends?
ANSWER: Policyowners are entitled to receive dividends

2 | P a g e
Question: What is a nonprofit incorporated society that does not
have capital stock and operates for the sole benefit of its
members known as?
ANSWER: Fraternal Benefit Society

Question: At what point must a life insurance applicant be
informed of their rights that fall under the Fair Credit Reporting
Act?
ANSWER: upon completion of the application

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