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TEXAS GENERAL LINES LIFE, ACCIDENT AND HEALTH
INSURANCE 2 LATEST VERSIONS ACTUAL EXAM 2025/2026
NEWEST ACTUAL EXAM WITH COMPLETE QUESTIONS AND
VERIFIED ANSWERS |ALREADY GRADED A+|
LIFE SECTION 1 - ANSWER-LIFE SECTION 1
8) The section of a Health policy that states the insurance
company's promise to provide benefits in accordance with the
terms of the policy is called the: - ANSWER-A- Incontestability
clause
B- Consideration clause
C- Insuring clause
D- Probationary Period provision
9) A Disability Income policy is written with a 1 year benefit period
for sickness and accident, a 30-day probationary period and a 30-
day elimination period. If an insured becomes disabled due to
sickness for 9 days, how much coverage is immediately
available? - ANSWER-A- None
B- 21 days
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C- 30 days
D- 1 year
10) Which mandatory Health insurance policy provision keeps the
producer and/or the insurer from modifying the policy after it has
been issued? - ANSWER-A- Entire Contract clause
B- Insuring agreement
C- Incontestability
D- Legal actions
11) Which of the following properly describes a policy, where the
policyowner has no guarantee of renewal and the insurance
company may refuse to renew the policy at the next premium due
date? - ANSWER-A- Guaranteed Renewable
B- Conditionally Renewable
C- Optionally Renewable
D- Non-cancelable
12) The Health insurance policy provision that prevents an insurer
from altering its agreement with a policy owner by referring to
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documents not contained in the policy is the: - ANSWER-A- Entire
Contract clause
B- Legal Actions provision
C- Incontestability clause
D- Insuring clause
13) Pre-existing Conditions are referred to in which of the
following required A&H policy provisions? - ANSWER-A- Claims
Forms
B- Time Limit on Certain Defenses
C- Payment of Claims
D- Legal Actions
14) Which of the following is true regarding coverage for war on
an accident and health policy? - ANSWER-A- It is excluded via a
rider
B- It is never covered
C- It is always covered
D- It is excluded per the contract
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15) Under a Guaranteed Renewable Health insurance policy, the
insurer may: - ANSWER-A- Cancel the contract for too many
claims
B- Change rates by class
C- Change policy provisions at any time
D- Reduce the amount of insurance if the insured's health
declines
16) An applicant for an Individual Health policy failed to complete
the responses to the Medical History questions because she had
forgotten some important past treatment dates. She did, however,
sign the application. Before being able to complete the responses
and pay the initial premium, she was confined to a hospital for a
condition that would ordinarily be covered by the policy. In this
situation, she was not insured because she had not met the
conditions specified in which of the following? - ANSWER-A-
Insuring clause
B- Pre-existing Conditions clause
C- Eligibility clause
D- Consideration clause
TEXAS GENERAL LINES LIFE, ACCIDENT AND HEALTH
INSURANCE 2 LATEST VERSIONS ACTUAL EXAM 2025/2026
NEWEST ACTUAL EXAM WITH COMPLETE QUESTIONS AND
VERIFIED ANSWERS |ALREADY GRADED A+|
LIFE SECTION 1 - ANSWER-LIFE SECTION 1
8) The section of a Health policy that states the insurance
company's promise to provide benefits in accordance with the
terms of the policy is called the: - ANSWER-A- Incontestability
clause
B- Consideration clause
C- Insuring clause
D- Probationary Period provision
9) A Disability Income policy is written with a 1 year benefit period
for sickness and accident, a 30-day probationary period and a 30-
day elimination period. If an insured becomes disabled due to
sickness for 9 days, how much coverage is immediately
available? - ANSWER-A- None
B- 21 days
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C- 30 days
D- 1 year
10) Which mandatory Health insurance policy provision keeps the
producer and/or the insurer from modifying the policy after it has
been issued? - ANSWER-A- Entire Contract clause
B- Insuring agreement
C- Incontestability
D- Legal actions
11) Which of the following properly describes a policy, where the
policyowner has no guarantee of renewal and the insurance
company may refuse to renew the policy at the next premium due
date? - ANSWER-A- Guaranteed Renewable
B- Conditionally Renewable
C- Optionally Renewable
D- Non-cancelable
12) The Health insurance policy provision that prevents an insurer
from altering its agreement with a policy owner by referring to
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documents not contained in the policy is the: - ANSWER-A- Entire
Contract clause
B- Legal Actions provision
C- Incontestability clause
D- Insuring clause
13) Pre-existing Conditions are referred to in which of the
following required A&H policy provisions? - ANSWER-A- Claims
Forms
B- Time Limit on Certain Defenses
C- Payment of Claims
D- Legal Actions
14) Which of the following is true regarding coverage for war on
an accident and health policy? - ANSWER-A- It is excluded via a
rider
B- It is never covered
C- It is always covered
D- It is excluded per the contract
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15) Under a Guaranteed Renewable Health insurance policy, the
insurer may: - ANSWER-A- Cancel the contract for too many
claims
B- Change rates by class
C- Change policy provisions at any time
D- Reduce the amount of insurance if the insured's health
declines
16) An applicant for an Individual Health policy failed to complete
the responses to the Medical History questions because she had
forgotten some important past treatment dates. She did, however,
sign the application. Before being able to complete the responses
and pay the initial premium, she was confined to a hospital for a
condition that would ordinarily be covered by the policy. In this
situation, she was not insured because she had not met the
conditions specified in which of the following? - ANSWER-A-
Insuring clause
B- Pre-existing Conditions clause
C- Eligibility clause
D- Consideration clause
