Pearson Vue Texas Life and Health
Insurance Test Questions | 2026/2027
Edition | Verified Questions & Correct
Answers | State Licensing Preparation
This Texas Life and Health Insurance exam administered by Pearson VUE consists
of approximately 150 multiple-choice questions covering national insurance concepts
and Texas-specific regulations.
Exam Description and Key Topics
The exam is computer-based, proctored, and covers three main areas:
Life Insurance: Policy types, provisions, options, and riders.
Health Insurance: Accident and Sickness policies, disability, HMOs, and group
plans.
Texas Regulations: State laws, licensing requirements, and insurance code.
150 Question Study Materials
Common 150-question practice sets include:
Exam Page VUE Texas Life and Health Insurance Test: Offers a PDF with 150
questions and answers.
Study Ace Smart Pearson VUE Life & Health Insurance Exam: Provides 150 practice
questions and answers.
Key Actual Exam Tips
Passing Score: 70%.
Difficulty: Many students find the Health/Accident portion more challenging than
the Life portion.
• Study Focus: Focus on definitions, dollar amounts, time frames, and scenario-based
"story problems".
• Pre-Licensing: Complete the mandatory 40 hours for Life and 40 hours for Health.
1
, Quiz_________________?
Who is obligated to make sure all questions are answered and all necessary
signatures are collected on the application? -
Answer
The Agent
Quiz_________________?
An underwriter is reviewing an applicant with an extensive medical history.
Which of the following would give the underwriter a better understanding of how
the applicant has been treated for various illnesses? -
Answer
Attending physician's statement
Quiz_________________?
Which of the following would NOT be eligible for coverage under key person? -
Answer
The owner of the shop
Quiz_________________?
With Adjustable Life, the owner can change all of the following EXCEPT -
Answer
The insured
2
, Quiz_________________?
Which of the following is provided by skilled medical personnel to those who
need occasional medical assistance or rehabilitative care? -
Answer
Intermediate care
Quiz_________________?
Partial disability usually pays what percentage of the total disability benefit? -
Answer
50%
Quiz_________________?
Which of the following long-term care benefits would provide coverage for care
for functionally impaired adults on a less than 24-hour basis?
A. Residential care
B. Assisted living
C. Home health care
D. Adult day care -
Answer
D. Adult day care
3
, Quiz_________________?
An insured's long-tern care policy is scheduled to pay fixed amount of coverage of
$120 per day. The long-term care facility only charged $100 per day. How much
will the insurance company pay?
A. 20% of the total cost
B. $120 a day
C. $100 a day
D. 80% of the total cost -
Answer
B. $120 a day
Quiz_________________?
In comparison to a policy that uses the accidental means definition, a policy that
uses the accidental bodily injury definition would provide coverage that is
A. More limited in duration
B. Broader in duration
C. Broder in general
D. More limited in general -
Answer
C. Broader in general
Quiz_________________?
An individual has been diagnosed with Alzheimer's disease. He is insured under a
life insurance policy with the accelerated benefits rider. Which of the following is
true regarding taxation of the accelerated benefits?
4
Insurance Test Questions | 2026/2027
Edition | Verified Questions & Correct
Answers | State Licensing Preparation
This Texas Life and Health Insurance exam administered by Pearson VUE consists
of approximately 150 multiple-choice questions covering national insurance concepts
and Texas-specific regulations.
Exam Description and Key Topics
The exam is computer-based, proctored, and covers three main areas:
Life Insurance: Policy types, provisions, options, and riders.
Health Insurance: Accident and Sickness policies, disability, HMOs, and group
plans.
Texas Regulations: State laws, licensing requirements, and insurance code.
150 Question Study Materials
Common 150-question practice sets include:
Exam Page VUE Texas Life and Health Insurance Test: Offers a PDF with 150
questions and answers.
Study Ace Smart Pearson VUE Life & Health Insurance Exam: Provides 150 practice
questions and answers.
Key Actual Exam Tips
Passing Score: 70%.
Difficulty: Many students find the Health/Accident portion more challenging than
the Life portion.
• Study Focus: Focus on definitions, dollar amounts, time frames, and scenario-based
"story problems".
• Pre-Licensing: Complete the mandatory 40 hours for Life and 40 hours for Health.
1
, Quiz_________________?
Who is obligated to make sure all questions are answered and all necessary
signatures are collected on the application? -
Answer
The Agent
Quiz_________________?
An underwriter is reviewing an applicant with an extensive medical history.
Which of the following would give the underwriter a better understanding of how
the applicant has been treated for various illnesses? -
Answer
Attending physician's statement
Quiz_________________?
Which of the following would NOT be eligible for coverage under key person? -
Answer
The owner of the shop
Quiz_________________?
With Adjustable Life, the owner can change all of the following EXCEPT -
Answer
The insured
2
, Quiz_________________?
Which of the following is provided by skilled medical personnel to those who
need occasional medical assistance or rehabilitative care? -
Answer
Intermediate care
Quiz_________________?
Partial disability usually pays what percentage of the total disability benefit? -
Answer
50%
Quiz_________________?
Which of the following long-term care benefits would provide coverage for care
for functionally impaired adults on a less than 24-hour basis?
A. Residential care
B. Assisted living
C. Home health care
D. Adult day care -
Answer
D. Adult day care
3
, Quiz_________________?
An insured's long-tern care policy is scheduled to pay fixed amount of coverage of
$120 per day. The long-term care facility only charged $100 per day. How much
will the insurance company pay?
A. 20% of the total cost
B. $120 a day
C. $100 a day
D. 80% of the total cost -
Answer
B. $120 a day
Quiz_________________?
In comparison to a policy that uses the accidental means definition, a policy that
uses the accidental bodily injury definition would provide coverage that is
A. More limited in duration
B. Broader in duration
C. Broder in general
D. More limited in general -
Answer
C. Broader in general
Quiz_________________?
An individual has been diagnosed with Alzheimer's disease. He is insured under a
life insurance policy with the accelerated benefits rider. Which of the following is
true regarding taxation of the accelerated benefits?
4
