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TEXAS STATE EXAM SIMULATOR LIFE AND HEALTH
INSURANCE 2 VERSIONS 2025/2026 NEWEST ACTUAL
EXAM WITH COMPLETE QUESTIONS AND VERIFIED
ANSWERS |ALREADY GRADED A+|
What kind of life insurance product covers children under their
parent's policy?
Family Maintenance rider
Term rider
Family Income rider
Payor benefit -ANSWERS-
When an insurer issues a policy that refuses to cover certain
risks, this is referred to as a(n)
elimination
exclusion
limitation
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exception -ANSWERS-
What is the purpose of the U.S.A. Patriot Act?
detect and deter fraud
detect and deter alien insurance companies
detect and deter terrorism
detect and deter misrepresentations -ANSWERS-
The health insurance program which is administered by each
state and funded by both the federal and state governments is
called
Long-term care
Medicaid
Medicare Supplemental Program
Medicare -ANSWERS-
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R had received full disability income benefits for 6 months. When
he returns to work, he is only able to resume half his normal daily
workload. Which provision pays reduced benefits to R while he is
not working at full capacity?
Residual Disability
Recurrent Disability
Presumptive Disability
Occupational Disability -ANSWERS-
A group life insurance policy may NOT insure groups consisting
exclusively of persons who are
salaried, clerical, or administrative employees
hourly paid laborers or their supervisors
administrative, managerial, or sales personnel
related by marriage, blood or legal adoption -ANSWERS-
Credit Life insurance is
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issued in any amount at the discretion of the applicant
used in the event of loss of income
issued in an amount not to exceed the amount of the loan
coverage that waives the premiums on a loan payment in the
event of total disability -ANSWERS-
If an insurance company issues a Disability Income policy that it
cannot cancel or for which it cannot increase premiums, the type
of renewability that best desribes this policy is called
noncancellable
conditionally renewable
cancellable
guaranteed renewable -ANSWERS-
All of the following may charge fees for insurance advice EXCEPT
Legal reserve agents
TEXAS STATE EXAM SIMULATOR LIFE AND HEALTH
INSURANCE 2 VERSIONS 2025/2026 NEWEST ACTUAL
EXAM WITH COMPLETE QUESTIONS AND VERIFIED
ANSWERS |ALREADY GRADED A+|
What kind of life insurance product covers children under their
parent's policy?
Family Maintenance rider
Term rider
Family Income rider
Payor benefit -ANSWERS-
When an insurer issues a policy that refuses to cover certain
risks, this is referred to as a(n)
elimination
exclusion
limitation
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exception -ANSWERS-
What is the purpose of the U.S.A. Patriot Act?
detect and deter fraud
detect and deter alien insurance companies
detect and deter terrorism
detect and deter misrepresentations -ANSWERS-
The health insurance program which is administered by each
state and funded by both the federal and state governments is
called
Long-term care
Medicaid
Medicare Supplemental Program
Medicare -ANSWERS-
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R had received full disability income benefits for 6 months. When
he returns to work, he is only able to resume half his normal daily
workload. Which provision pays reduced benefits to R while he is
not working at full capacity?
Residual Disability
Recurrent Disability
Presumptive Disability
Occupational Disability -ANSWERS-
A group life insurance policy may NOT insure groups consisting
exclusively of persons who are
salaried, clerical, or administrative employees
hourly paid laborers or their supervisors
administrative, managerial, or sales personnel
related by marriage, blood or legal adoption -ANSWERS-
Credit Life insurance is
, Page |4
issued in any amount at the discretion of the applicant
used in the event of loss of income
issued in an amount not to exceed the amount of the loan
coverage that waives the premiums on a loan payment in the
event of total disability -ANSWERS-
If an insurance company issues a Disability Income policy that it
cannot cancel or for which it cannot increase premiums, the type
of renewability that best desribes this policy is called
noncancellable
conditionally renewable
cancellable
guaranteed renewable -ANSWERS-
All of the following may charge fees for insurance advice EXCEPT
Legal reserve agents
