Texas General Lines – Life, Accident & Health
Insurance Exam Questions & Answers | 2025/2026
1. An insurer authorized to operate in Texas is called a:
A. Admitted insurer
B. Non-admitted insurer
C. Surplus lines insurer
D. Domestic insurer
Answer: A
Rationale: An admitted insurer holds a certificate of authority from TDI.
2. Which party must sign the insurance application?
A. Agent only
B. Insured only
C. Applicant and agent
D. Underwriter
Answer: C
Rationale: Both applicant and agent signatures are required.
3. A life insurance policy becomes incontestable after:
A. 6 months
B. 1 year
C. 2 years
D. 5 years
,Answer: C
Rationale: Policies cannot be voided for misstatements after 2 years except for fraud.
4. Which policy has cash value and coverage until age 100?
A. Term
B. Universal life
C. Whole life
D. Variable term
Answer: C
5. An HMO gatekeeper is the:
A. Surgeon
B. Primary care physician
C. Claims adjuster
D. Pharmacist
Answer: B
6. The purpose of underwriting is to:
A. Determine marketing strategy
B. Reduce agent commissions
C. Evaluate applicant risk
D. Increase premiums
Answer: C
7. The consideration given by the insured is the:
,A. Promise to pay claims
B. Premium and application
C. Policy delivery
D. Insuring clause
Answer: B
8. The insuring clause appears in the:
A. Declarations page
B. First page of the policy
C. Riders section
D. Exclusions section
Answer: B
9. A temporary agent license in Texas is valid for:
A. 30 days
B. 60 days
C. 90 days
D. 6 months
Answer: C
10. Texas requires a minimum free-look period of:
A. 5 days
B. 7 days
C. 10 days
D. 30 days
Answer: C
, 11. Replacement of a life policy requires:
A. A medical exam
B. Written Notice Regarding Replacement
C. Lower premiums
D. Mailing the old policy to TDI
Answer: B
12. Which rider pays an extra benefit for accidental death?
A. Waiver of premium
B. Accidental death rider
C. Guaranteed insurability
D. Return of premium
Answer: B
13. What must the policyowner pay before health benefits apply?
A. Coinsurance
B. Copay
C. Deductible
D. Premium
Answer: C
14. In a group plan, evidence of insurability is NOT required:
A. At hire
B. During open enrollment
C. After 60 days
D. For dependents
Answer: B
Insurance Exam Questions & Answers | 2025/2026
1. An insurer authorized to operate in Texas is called a:
A. Admitted insurer
B. Non-admitted insurer
C. Surplus lines insurer
D. Domestic insurer
Answer: A
Rationale: An admitted insurer holds a certificate of authority from TDI.
2. Which party must sign the insurance application?
A. Agent only
B. Insured only
C. Applicant and agent
D. Underwriter
Answer: C
Rationale: Both applicant and agent signatures are required.
3. A life insurance policy becomes incontestable after:
A. 6 months
B. 1 year
C. 2 years
D. 5 years
,Answer: C
Rationale: Policies cannot be voided for misstatements after 2 years except for fraud.
4. Which policy has cash value and coverage until age 100?
A. Term
B. Universal life
C. Whole life
D. Variable term
Answer: C
5. An HMO gatekeeper is the:
A. Surgeon
B. Primary care physician
C. Claims adjuster
D. Pharmacist
Answer: B
6. The purpose of underwriting is to:
A. Determine marketing strategy
B. Reduce agent commissions
C. Evaluate applicant risk
D. Increase premiums
Answer: C
7. The consideration given by the insured is the:
,A. Promise to pay claims
B. Premium and application
C. Policy delivery
D. Insuring clause
Answer: B
8. The insuring clause appears in the:
A. Declarations page
B. First page of the policy
C. Riders section
D. Exclusions section
Answer: B
9. A temporary agent license in Texas is valid for:
A. 30 days
B. 60 days
C. 90 days
D. 6 months
Answer: C
10. Texas requires a minimum free-look period of:
A. 5 days
B. 7 days
C. 10 days
D. 30 days
Answer: C
, 11. Replacement of a life policy requires:
A. A medical exam
B. Written Notice Regarding Replacement
C. Lower premiums
D. Mailing the old policy to TDI
Answer: B
12. Which rider pays an extra benefit for accidental death?
A. Waiver of premium
B. Accidental death rider
C. Guaranteed insurability
D. Return of premium
Answer: B
13. What must the policyowner pay before health benefits apply?
A. Coinsurance
B. Copay
C. Deductible
D. Premium
Answer: C
14. In a group plan, evidence of insurability is NOT required:
A. At hire
B. During open enrollment
C. After 60 days
D. For dependents
Answer: B
