Pearson vue Texas life and health insurance Exam
PEARSON VUE TEXAS LIFE AND HEALTH INSURANCE EXAM NEWEST
2025/2026 COMPLETE QUESTIONS AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS) |BRAND NEW VERSION!!
Under the uniform required provisions, proof of loss under a health insurance
policy normally should be filed within
A. 60 days of a loss
B. 90 days of a loss
C. 20 days of a loss
D. 3o days of a loss
90 days of a loss
Social Security disability definition includes all of the following EXCEPT
A. A physical impairment expected to result in death
B. Disability expected to last for at least 6 months
C. The inability to engage in any gainful work
D. Disability resulting from a medically determinable mental impairment
Disability expected to last for at least 6 months
An agent makes a mistake on the application and then corrects his mistakes by
physically entering the necessary information. Who must then initial that charge?
A. Executive officer of the company
B. Insured
C. Agent
D. Applicant
Applicant
The form of life annuity which pays benefits throughout the lifetime of the
annuitant and also guarantees payment for a minimum number of years is called
A. Life income with period certain
B. Life income with refund
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, Pearson vue Texas life and health insurance Exam
C. Joint and survivorship
D. Joint life annuity
Life income with period certain
All of the following long-term care coverages would allow an insured to receive
care at home EXCEPT
A. Skilled care
B. Custodial care in insured's house
C. Respite care
D. Home health care
Skilled care
An applicant is discussing his options for Medicare supplement coverage with his
agent. The applicant is 65 years old and has just enrolled in Medicare Part A and
Part B. What is the insurance company obligated to do?
A. Send the applicant to a doctor for a physical. Nothing can happen until they get
the results
B. Offer the supplement policy on a guaranteed issue basis
C. Exclude pre-existing conditions from coverage under the supplement policies
D. Look at the applicant's medical history to decide what premium to charge
Offer the supplement policy on a guaranteed issue basis
A provision found in insurance which prevents the insured from collecting twice
for the same loss is called
A. Consent to settle loss
B. Right of salvage
C. Appraisal
D. Subrogation
Subrogation
2|Page
, Pearson vue Texas life and health insurance Exam
All of the following statement concerning Accidental Death and Dismemberment
coverage are correct EXCEPT
A. Accidental death and dismemberment insurance is considered to be limited
coverage
B. Death benefits are paid only if death occurs within 24 hours of an accident
C. Accidental death benefits are paid only if death results from accidental bodily
injury as defined in the policy
D. Dismemberment benefits are paid for certain disabilities that are presumed to
be total and permanent
Death benefits are paid only if death occurs within 24 hours of an accident
Which of the following is an example of liquidity in a life insurance contract?
A. The flexible premium
B. The money in a saving account
B. The cash value available to the policyowner
C. The death benefit paid to the beneficiary
The cash value available to the policyowner
In a survivorship life policy, when does the insurer pay the death benefit?
A. Half at the first death, and half at the second death
B. If the insured survives to age 100
C. Upon the last death
D. Upon the first death
Upon the last death
The coverage provided by a disability income policy that does not pay benefits for
losses occurring as the result of the insured's employment is called
A. Occupational
B. Workers compensation
C. Nonoccupational coverage
D. Unemployment coverage
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, Pearson vue Texas life and health insurance Exam
Nonoccupational coverage
Which of the following terms describes the specified dollar amount beyond which
the insured no longer participates in the sharing of expenses?
A. First-dollar coverage
B. Corridor deductible
C. Stop-loss limit
D. Probationary limit
Stop-loss limit
Which of the following would qualify as a competent party in an insurance
contract?
A. The applicant is under the influence of a mind-impairing medication at the time
of application
B. The applicant has a prior felony conviction
C. The applicant is intoxicated at the time of application
D. The applicant is a 12-year-old student
The applicant has a prior felony conviction
A father owns a life insurance policy on his 15-year-old daughter. The policy
contains the optional Payor Benefit rider. If the father becomes disabled, what will
happen to the life insurance premiums?
A. The premiums will become tax deductible until the insured's 18th birthday
B. Since it is the policyowner, and not the insured, who has become disabled, the
life insurance policy will not be affected
C. The insured will have to pay premiums for 6 months. If at the end of this period
the father is still disabled, the insured will be refunded the premiums
D. The insured's premiums will be waived until she is 21
The insured's premiums will be waived until she is 21
An individual applied for an insurance policy and paid the initial premium. The
insurer issued a conditional receipt. Five days later the applicant had to submit to
4|Page
PEARSON VUE TEXAS LIFE AND HEALTH INSURANCE EXAM NEWEST
2025/2026 COMPLETE QUESTIONS AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS) |BRAND NEW VERSION!!
Under the uniform required provisions, proof of loss under a health insurance
policy normally should be filed within
A. 60 days of a loss
B. 90 days of a loss
C. 20 days of a loss
D. 3o days of a loss
90 days of a loss
Social Security disability definition includes all of the following EXCEPT
A. A physical impairment expected to result in death
B. Disability expected to last for at least 6 months
C. The inability to engage in any gainful work
D. Disability resulting from a medically determinable mental impairment
Disability expected to last for at least 6 months
An agent makes a mistake on the application and then corrects his mistakes by
physically entering the necessary information. Who must then initial that charge?
A. Executive officer of the company
B. Insured
C. Agent
D. Applicant
Applicant
The form of life annuity which pays benefits throughout the lifetime of the
annuitant and also guarantees payment for a minimum number of years is called
A. Life income with period certain
B. Life income with refund
1|Page
, Pearson vue Texas life and health insurance Exam
C. Joint and survivorship
D. Joint life annuity
Life income with period certain
All of the following long-term care coverages would allow an insured to receive
care at home EXCEPT
A. Skilled care
B. Custodial care in insured's house
C. Respite care
D. Home health care
Skilled care
An applicant is discussing his options for Medicare supplement coverage with his
agent. The applicant is 65 years old and has just enrolled in Medicare Part A and
Part B. What is the insurance company obligated to do?
A. Send the applicant to a doctor for a physical. Nothing can happen until they get
the results
B. Offer the supplement policy on a guaranteed issue basis
C. Exclude pre-existing conditions from coverage under the supplement policies
D. Look at the applicant's medical history to decide what premium to charge
Offer the supplement policy on a guaranteed issue basis
A provision found in insurance which prevents the insured from collecting twice
for the same loss is called
A. Consent to settle loss
B. Right of salvage
C. Appraisal
D. Subrogation
Subrogation
2|Page
, Pearson vue Texas life and health insurance Exam
All of the following statement concerning Accidental Death and Dismemberment
coverage are correct EXCEPT
A. Accidental death and dismemberment insurance is considered to be limited
coverage
B. Death benefits are paid only if death occurs within 24 hours of an accident
C. Accidental death benefits are paid only if death results from accidental bodily
injury as defined in the policy
D. Dismemberment benefits are paid for certain disabilities that are presumed to
be total and permanent
Death benefits are paid only if death occurs within 24 hours of an accident
Which of the following is an example of liquidity in a life insurance contract?
A. The flexible premium
B. The money in a saving account
B. The cash value available to the policyowner
C. The death benefit paid to the beneficiary
The cash value available to the policyowner
In a survivorship life policy, when does the insurer pay the death benefit?
A. Half at the first death, and half at the second death
B. If the insured survives to age 100
C. Upon the last death
D. Upon the first death
Upon the last death
The coverage provided by a disability income policy that does not pay benefits for
losses occurring as the result of the insured's employment is called
A. Occupational
B. Workers compensation
C. Nonoccupational coverage
D. Unemployment coverage
3|Page
, Pearson vue Texas life and health insurance Exam
Nonoccupational coverage
Which of the following terms describes the specified dollar amount beyond which
the insured no longer participates in the sharing of expenses?
A. First-dollar coverage
B. Corridor deductible
C. Stop-loss limit
D. Probationary limit
Stop-loss limit
Which of the following would qualify as a competent party in an insurance
contract?
A. The applicant is under the influence of a mind-impairing medication at the time
of application
B. The applicant has a prior felony conviction
C. The applicant is intoxicated at the time of application
D. The applicant is a 12-year-old student
The applicant has a prior felony conviction
A father owns a life insurance policy on his 15-year-old daughter. The policy
contains the optional Payor Benefit rider. If the father becomes disabled, what will
happen to the life insurance premiums?
A. The premiums will become tax deductible until the insured's 18th birthday
B. Since it is the policyowner, and not the insured, who has become disabled, the
life insurance policy will not be affected
C. The insured will have to pay premiums for 6 months. If at the end of this period
the father is still disabled, the insured will be refunded the premiums
D. The insured's premiums will be waived until she is 21
The insured's premiums will be waived until she is 21
An individual applied for an insurance policy and paid the initial premium. The
insurer issued a conditional receipt. Five days later the applicant had to submit to
4|Page
