1|Page
TEXAS GENERAL LINES LIFE, ACCIDENT
AND HEALTH ACTUAL EXAM PREP 2026
ALL QUESTIONS AND CORRECT
DETAILED ANSWERS ALREADY A GRADED
WITH EXPERT FEEDBACK |NEW AND
REVISED
If a small employer insurance decides to terminate all small employer
health benefits plans it issues in TEXAS, it must notify the TEXAS
commissioner and all affected employer of its intent to do so at least -
ANSWER- At least 180 days before it ends coverage
Contract characteristics is unique to insurance contracts but NOT all
contracts - ANSWER- Unilateral
When first meeting prospective insurance applicants, a producer must
give them a document that explains the general features, benefits, and
condition of type of insurance being considered. Which is called a -
ANSWER- Buyer's Guide
Abby, who life in New York she is a licensed life insurance agent ,
wants to apply fo a nonresident license in Texas. To do so, she must
submit which of the following to TDI - ANSWER- An aplicación, few
and letter of certification from her home state
,2|Page
Amanda used a basic illustration to help Mark. a potencial cliente, de
understand how the cash value of his life insurance policy would grow.
Mark then agreed to buy the policy. Which of the following best
describes Amanda's duties which respect to delivering a copy of the
illustration used - ANSWER- Amanda must deliver a signed copy
ilustración to both Mark and the insurer
With respect to the transfer-for-value rule, which of the following
situations would result in the new owner being subject to tax on the
policy's gain upon the insured's death - ANSWER- Policy is sold by the
insured to neighborhood in exchange for cash
Which of the following describes the options available with a universal
life insurance policy the owner no longer wishes to maintain -
ANSWER- Surrender the policy for its cash value or let the policy
continue without premium until the cash value can no longer cover
monthly deductions
A section 125 cafeteria plan may cover which of these expenses -
ANSWER- Health insurance premiums
An insurance producer tells a life insurance applicant that he has the
authority to waive the medical exam that is normally required by the
insurer with every application. The insurer may be required to accept the
application without a medical exam due to the producers: - ANSWER-
Apparent authority
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A long-term care rider on a life insurance policy will pay benefits if the
insured is diagnosed as chronically ill due to which of the following? -
ANSWER- Either a medical or cognitive (mental health) reason
Which federal law group health plans and protects their enrollees -
ANSWER- A
What type of state regulation gives a person in poor health or with a pre-
existing condition the opportunity to buy health insurance - ANSWER-
Guaranteed issue
With certain limitations a policyowner may change all of the following
in a life insurance policy, EXCEPT: - ANSWER- The incontestability
provision
With certain limitations, a policyowner may change all of the following
in a life insurance policy, EXCEPT: - ANSWER- A
Where can a person set up a health care savings account (HSA) -
ANSWER- Financial institution
Which statement about converting coverage under a children's term rider
is correct - ANSWER- Conversion is possible even if the child is
uninsurable, and the converted policy coverage amount may be greater
than amount provided under the rider
TEXAS GENERAL LINES LIFE, ACCIDENT
AND HEALTH ACTUAL EXAM PREP 2026
ALL QUESTIONS AND CORRECT
DETAILED ANSWERS ALREADY A GRADED
WITH EXPERT FEEDBACK |NEW AND
REVISED
If a small employer insurance decides to terminate all small employer
health benefits plans it issues in TEXAS, it must notify the TEXAS
commissioner and all affected employer of its intent to do so at least -
ANSWER- At least 180 days before it ends coverage
Contract characteristics is unique to insurance contracts but NOT all
contracts - ANSWER- Unilateral
When first meeting prospective insurance applicants, a producer must
give them a document that explains the general features, benefits, and
condition of type of insurance being considered. Which is called a -
ANSWER- Buyer's Guide
Abby, who life in New York she is a licensed life insurance agent ,
wants to apply fo a nonresident license in Texas. To do so, she must
submit which of the following to TDI - ANSWER- An aplicación, few
and letter of certification from her home state
,2|Page
Amanda used a basic illustration to help Mark. a potencial cliente, de
understand how the cash value of his life insurance policy would grow.
Mark then agreed to buy the policy. Which of the following best
describes Amanda's duties which respect to delivering a copy of the
illustration used - ANSWER- Amanda must deliver a signed copy
ilustración to both Mark and the insurer
With respect to the transfer-for-value rule, which of the following
situations would result in the new owner being subject to tax on the
policy's gain upon the insured's death - ANSWER- Policy is sold by the
insured to neighborhood in exchange for cash
Which of the following describes the options available with a universal
life insurance policy the owner no longer wishes to maintain -
ANSWER- Surrender the policy for its cash value or let the policy
continue without premium until the cash value can no longer cover
monthly deductions
A section 125 cafeteria plan may cover which of these expenses -
ANSWER- Health insurance premiums
An insurance producer tells a life insurance applicant that he has the
authority to waive the medical exam that is normally required by the
insurer with every application. The insurer may be required to accept the
application without a medical exam due to the producers: - ANSWER-
Apparent authority
, 3|Page
A long-term care rider on a life insurance policy will pay benefits if the
insured is diagnosed as chronically ill due to which of the following? -
ANSWER- Either a medical or cognitive (mental health) reason
Which federal law group health plans and protects their enrollees -
ANSWER- A
What type of state regulation gives a person in poor health or with a pre-
existing condition the opportunity to buy health insurance - ANSWER-
Guaranteed issue
With certain limitations a policyowner may change all of the following
in a life insurance policy, EXCEPT: - ANSWER- The incontestability
provision
With certain limitations, a policyowner may change all of the following
in a life insurance policy, EXCEPT: - ANSWER- A
Where can a person set up a health care savings account (HSA) -
ANSWER- Financial institution
Which statement about converting coverage under a children's term rider
is correct - ANSWER- Conversion is possible even if the child is
uninsurable, and the converted policy coverage amount may be greater
than amount provided under the rider
