Texas Health insurance exam
Questions and Answers 100%
PASS
1. Which policy pays the face amount at the end of the payment period? -
CORRECT ANSWER-Endowment at age 65
2. P wants a life policy with quick cash value accumulation. Which policy
should the producer recommend? - CORRECT ANSWER-20 Pay Limited Life
3. Which of the following would be used to pay premiums on a life policy for
an insured should they become disabled? - CORRECT ANSWER-Waiver of
premium rider
4. The policy which offers the greatest amount of coverage, for the least
amount of initial premium is? - CORRECT ANSWER-Term policy
5. Which policy builds cash value the quickest? - CORRECT ANSWER-
Endowment policy
Which of the following would be true of a child rider on a life insurance
policy? - CORRECT ANSWER-The child will be offer a conversion option to
convert to a permanent plan without proof of insurability at a specified age
such as 21
,7. Which of these would not pay under the accidental death benefit rider of a
life insurance policy? - CORRECT ANSWER-Death caused by stroke
8. Which of the following policies would be a limited pay whole life? -
CORRECT ANSWER-Premiums payable for a limited time then expire but
the policy goes on
9. Which policy is a 2nd or last to die policy? - CORRECT ANSWER-Joint
survivor life
10. M has a life policy that he changed from temporary to permanent. What
allowed this? - CORRECT ANSWER-Convertible
11. All of the following are correct regarding renewable term insurance,
EXCEPT? - CORRECT ANSWER-Proof of good health is required to renew
the policy
12. Which policy will pay the beneficiary upon the insured's death or pay the
endowment and pay the insured upon reaching age 100? - CORRECT
ANSWER-Straight Whole Life
13. Which policy can the premiums and death benefit be changed? -
CORRECT ANSWER-Universal life
14. Which of the following would be true of a child term rider that is added
to an insured's policy? - CORRECT ANSWER-Once added all children
beyond 14 days of age are automatically covered
15. An insurer paying claims under Usual, Customary and reasonable
would be which of these? - CORRECT ANSWER-A way for the insurer to
limit what they pay of the medical cost
© 2026 Copyright. All Rights Reserved. This document is
protected by copyright law
, 16. A person who has a reimbursement Long-Term Care policy would see
claims paid? - CORRECT ANSWER-The actual cost of care up to a daily
maximum
17. Part 1 of an insurance application consists of all of the following
information, EXCEPT? - CORRECT ANSWER-Past health
18. G applies for a life insurance policy and pays a semi-annual premium. G
received a conditional receipt and the medical exam was completed the same
day. When did the temporary coverage begin? - CORRECT ANSWER-When
the application and medical were both completed
19. An insured has written a premium check payable to the producer. The
producer does not notice until after the insured leaves. What action should
the producer take? - CORRECT ANSWER-Call the insured and request a
check made out to name of insurance company
20. Once an insurer decides to issue a policy based upon all information
received, the policy is issued and then sent to which of the following? -
CORRECT ANSWER-The producer for delivery and explanation of the policy
and any riders
The applicant
21. An application is submitted, the policy is issued, what else is needed to
contract? - CORRECT ANSWER-Consideration
22. A life insurance, an application was taken without a premium payment.
What must be done at time of delivery? - CORRECT ANSWER-Collect
premium and get a statement of good health
Questions and Answers 100%
PASS
1. Which policy pays the face amount at the end of the payment period? -
CORRECT ANSWER-Endowment at age 65
2. P wants a life policy with quick cash value accumulation. Which policy
should the producer recommend? - CORRECT ANSWER-20 Pay Limited Life
3. Which of the following would be used to pay premiums on a life policy for
an insured should they become disabled? - CORRECT ANSWER-Waiver of
premium rider
4. The policy which offers the greatest amount of coverage, for the least
amount of initial premium is? - CORRECT ANSWER-Term policy
5. Which policy builds cash value the quickest? - CORRECT ANSWER-
Endowment policy
Which of the following would be true of a child rider on a life insurance
policy? - CORRECT ANSWER-The child will be offer a conversion option to
convert to a permanent plan without proof of insurability at a specified age
such as 21
,7. Which of these would not pay under the accidental death benefit rider of a
life insurance policy? - CORRECT ANSWER-Death caused by stroke
8. Which of the following policies would be a limited pay whole life? -
CORRECT ANSWER-Premiums payable for a limited time then expire but
the policy goes on
9. Which policy is a 2nd or last to die policy? - CORRECT ANSWER-Joint
survivor life
10. M has a life policy that he changed from temporary to permanent. What
allowed this? - CORRECT ANSWER-Convertible
11. All of the following are correct regarding renewable term insurance,
EXCEPT? - CORRECT ANSWER-Proof of good health is required to renew
the policy
12. Which policy will pay the beneficiary upon the insured's death or pay the
endowment and pay the insured upon reaching age 100? - CORRECT
ANSWER-Straight Whole Life
13. Which policy can the premiums and death benefit be changed? -
CORRECT ANSWER-Universal life
14. Which of the following would be true of a child term rider that is added
to an insured's policy? - CORRECT ANSWER-Once added all children
beyond 14 days of age are automatically covered
15. An insurer paying claims under Usual, Customary and reasonable
would be which of these? - CORRECT ANSWER-A way for the insurer to
limit what they pay of the medical cost
© 2026 Copyright. All Rights Reserved. This document is
protected by copyright law
, 16. A person who has a reimbursement Long-Term Care policy would see
claims paid? - CORRECT ANSWER-The actual cost of care up to a daily
maximum
17. Part 1 of an insurance application consists of all of the following
information, EXCEPT? - CORRECT ANSWER-Past health
18. G applies for a life insurance policy and pays a semi-annual premium. G
received a conditional receipt and the medical exam was completed the same
day. When did the temporary coverage begin? - CORRECT ANSWER-When
the application and medical were both completed
19. An insured has written a premium check payable to the producer. The
producer does not notice until after the insured leaves. What action should
the producer take? - CORRECT ANSWER-Call the insured and request a
check made out to name of insurance company
20. Once an insurer decides to issue a policy based upon all information
received, the policy is issued and then sent to which of the following? -
CORRECT ANSWER-The producer for delivery and explanation of the policy
and any riders
The applicant
21. An application is submitted, the policy is issued, what else is needed to
contract? - CORRECT ANSWER-Consideration
22. A life insurance, an application was taken without a premium payment.
What must be done at time of delivery? - CORRECT ANSWER-Collect
premium and get a statement of good health
