XCEL LIFE INSURANCE ALBAMA FINAL EXAM NEWEST 2026 ACTUAL EXAM COMPLETE 100 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+

XCEL LIFE INSURANCE ALBAMA FINAL EXAM NEWEST 2026 ACTUAL EXAM COMPLETE 100 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+
Question: What benefit is Trent covered by when he is covered
by a residual disability benefit?
ANSWER: Trent is covered by a residual disability benefit

Question: What is the timeframe within which an insurer must
approve or deny a reinstatement application?
ANSWER: The insurer has to approve or deny within 45 days of
the date of application

Question: How can an insurance premium be defined?
ANSWER: An insurance premium can be defined as money
paid to an insurance company for benefits provided in the policy
2 | P a g e

Question: What is the minimum renewability level of a Long
Term Care (LTC) policy?
ANSWER: A Long Term Care (LTC) policy has a minimum
renewability level of guaranteed renewable

Question: What must a Long Term Care insured be unable to
perform to receive benefits?
ANSWER: A Long Term Care insured must be unable to
perform a minimum of 2 Activities of Daily Living (ADLs) to
receive benefits 

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