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

XCEL LIFE INSURANCE INDIANA FINAL EXAM NEWEST 2026 ACTUAL EXAM COMPLETE 100 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+
Question: At what age can an IRA owner start making
withdrawals and NOT be subjected to a tax penalty?
ANSWER: 59 1/2

Question: What is an insurance company formed in a country
other than the United States called?
ANSWER: Alien

Question: In Indiana, what must be delivered to a policy owner
upon the sale of an individual life insurance policy?
ANSWER: A Policy Summary and Buyer's Guide

2 | P a g e
Question: Who must provide an insured with proper disclosure
concerning the replacement of a life insurance policy?
ANSWER: producer

Question: What type of term life policy is normally used when
covering an insured mortgage balance?
ANSWER: Decreasing

Question: P, age 50, purchased an annuity that P will fund with
$500/month for 15 years. The annuity will then pay P retirement
payments after the 15 years. Which type of annuity did P
purchase?
ANSWER: deferred 

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