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TEXAS GENERAL LINES LIFE, ACCIDENT AND HEALTH INSURANCE
2 NEWEST 2025/2026 ACTUAL EXAM WITH COMPLETE QUESTIONS
AND CORRECT DETAILED ANSWERS (100% VERIFIED ANSWERS)
|ALREADY GRADED A+| ||PROFESSOR VERIFIED||
1) Leland Farrell was hospitalized for two weeks and received a
bill for $2,100. He has a Major Medical policy with a $100
deductible. His co-insurance is 80/20, figured after reducing the
bill by the deductible amount. Mr. Farrell is expected to pay a total
of: - ANSWER-A- $520
B- $500
C- $400
D- $1,500
2) Group A&H insurance normally specifies that what percentage
of those eligible must be enrolled under a noncontributory plan? -
ANSWER-A- 100%
B- 25%
C- 75%
D- 50%
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3) Which of the following is not covered by a Basic Medical
Expense policy: - ANSWER-A- Hospital room and board
B- Long term care expenses
C- In-hospital doctor visits
D- Surgical expenses
4) Jill has a Major Medical insurance policy with a $1,000
deductible and 80/20 co-insurance. If she has a $10,000 claim,
how much will her insurer pay: - ANSWER-A- $2,800
B- $7,200
C- $2,000
D- $1,000
5) Hospital Indemnity policies will pay: - ANSWER-A- Medical bills
B- Surgical expenses
C- Hospital room and board
D- A daily amount if hospitalized
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6) In an A&H policy, an Elimination Period provision refers to the
period: - ANSWER-A- Between the first day of disability and the
actual receipt of payment for the disability incurred
B- During which any specific accident or illness is excluded from
coverage
C- Between the effective date of the policy and the date on which
payments under the policy become due
D- Between the first day of disability and the day to which the
disability must continue before it can result in the insured
receiving any benefits
7) Which of the following statements is USUALLY true about the
benefits of a Group Short-Term Disability Income policy? -
ANSWER-A- They are payable for accidents covered by Workers'
Compensation
B- They are not payable for accidents covered by Workers'
Compensation
C- They are not affected by Workers' Compensation
D- They are payable when expenses exceed Workers'
Compensation benefits
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8) Which of the following is INCORRECT regarding a Disability
Income policy? - ANSWER-A- On a group policy you have a
taxable benefit
B- On an individual policy you have a taxable benefit
C- On a group policy you insure your gross income
D- On an individual policy you insure your net income
9) If the insured is not entirely satisfied with the policy issued, she
may return it to the insurance company for voiding and receive a
refund of premium at which of the following times?
A- Within a specified period from the date the insurance company
issues the policy
B- Within a specified period from the date the insured receives the
contract
C- Within a specified period from the date the producer receives
the contract
D- Within a specified period after the first renewal premium falls
due - ANSWER-B- Within a specified period from the date the
insured receives the contract
TEXAS GENERAL LINES LIFE, ACCIDENT AND HEALTH INSURANCE
2 NEWEST 2025/2026 ACTUAL EXAM WITH COMPLETE QUESTIONS
AND CORRECT DETAILED ANSWERS (100% VERIFIED ANSWERS)
|ALREADY GRADED A+| ||PROFESSOR VERIFIED||
1) Leland Farrell was hospitalized for two weeks and received a
bill for $2,100. He has a Major Medical policy with a $100
deductible. His co-insurance is 80/20, figured after reducing the
bill by the deductible amount. Mr. Farrell is expected to pay a total
of: - ANSWER-A- $520
B- $500
C- $400
D- $1,500
2) Group A&H insurance normally specifies that what percentage
of those eligible must be enrolled under a noncontributory plan? -
ANSWER-A- 100%
B- 25%
C- 75%
D- 50%
,2|Page
3) Which of the following is not covered by a Basic Medical
Expense policy: - ANSWER-A- Hospital room and board
B- Long term care expenses
C- In-hospital doctor visits
D- Surgical expenses
4) Jill has a Major Medical insurance policy with a $1,000
deductible and 80/20 co-insurance. If she has a $10,000 claim,
how much will her insurer pay: - ANSWER-A- $2,800
B- $7,200
C- $2,000
D- $1,000
5) Hospital Indemnity policies will pay: - ANSWER-A- Medical bills
B- Surgical expenses
C- Hospital room and board
D- A daily amount if hospitalized
,3|Page
6) In an A&H policy, an Elimination Period provision refers to the
period: - ANSWER-A- Between the first day of disability and the
actual receipt of payment for the disability incurred
B- During which any specific accident or illness is excluded from
coverage
C- Between the effective date of the policy and the date on which
payments under the policy become due
D- Between the first day of disability and the day to which the
disability must continue before it can result in the insured
receiving any benefits
7) Which of the following statements is USUALLY true about the
benefits of a Group Short-Term Disability Income policy? -
ANSWER-A- They are payable for accidents covered by Workers'
Compensation
B- They are not payable for accidents covered by Workers'
Compensation
C- They are not affected by Workers' Compensation
D- They are payable when expenses exceed Workers'
Compensation benefits
, 4|Page
8) Which of the following is INCORRECT regarding a Disability
Income policy? - ANSWER-A- On a group policy you have a
taxable benefit
B- On an individual policy you have a taxable benefit
C- On a group policy you insure your gross income
D- On an individual policy you insure your net income
9) If the insured is not entirely satisfied with the policy issued, she
may return it to the insurance company for voiding and receive a
refund of premium at which of the following times?
A- Within a specified period from the date the insurance company
issues the policy
B- Within a specified period from the date the insured receives the
contract
C- Within a specified period from the date the producer receives
the contract
D- Within a specified period after the first renewal premium falls
due - ANSWER-B- Within a specified period from the date the
insured receives the contract
