TEXAS GENERAL LINES, LIFE, ACCIDENT, AND
HEALTH INSURANCE EXAM 300+ QUESTIONS &
CORRECT ANSWERS LATEST 2026
All of the following are true about the Commissioner of Insurance in Texas except:
A. Chief Executive and Administrative Officer at the Department of Insurance
B. The Commissioner is an elected official
C. Enforces Insurance related laws
D. Administers the Worker's Compensation System - ANSWER-B. The
Commissioner is an elected official
Which of these is true of the Commissioner of Insurance?
A. He/she is an elected official
B. He/she is appointed by the Governor
C. He/she makes and sets insurance laws
D. He/she is voted into office by the State Legislature - ANSWER-B. He/She is
appointed by the Governor
All the following are part of the power and duties of the state of Texas Insurance
Commissioner, except?
A. To make and pass fair and reasonable insurance laws
B. Assess and enforce penalties
C. Ensure fair competition in the insurance industry
D. Administer the Worker's Compensation System - ANSWER-A. To make and
pass fait and reasonable insurance laws
,The Commissioner of Insurance in Texas does which of these?
A. Makes and passes insurance-related laws
B. Acts as a public prosecutor
C. Approves insurers by giving them a Certificate of Authority
D. Can sentence a person breaking an insurance law to prison - ANSWER-C.
Approves insurers by giving them a Certificate of Authority
The commissioner of insurance can do which of these?
A. Set continuing education requirements in Texas
B. Makes insurance laws
C. Pursues criminal proceedings against insurers
D. Sentences a person to jail for insurance fraud - ANSWER-A. Set continuing
education requirements in Texas
Which of these cannot request information about fraudulent health claims?
A. Commissioner of Insurance
B. Insured
C. District Attorney
D. Local Police - ANSWER-B. Insured
The Department of Insurance must examine the books and records of an admitted
and domestic insurer no less than?
A. Once a year
B. Once every 2 years
C. Once every 3 years
,D. Once every 5 years - ANSWER-D. Once every 5 years
When an application for life insurance goes to the underwriting department of an
insurer the purpose is? - ANSWER-Risk Classification
The process of classifying a risk for the purpose of issuing an insurance policy is
known as? - ANSWER-Underwritting
Insurance Interest must exist at what time in the underwriting of a life insurance
policy? - ANSWER-At the time of application
B bought a life insurance policy 10 years ago while married to C. B & C get a
divorce. B marries E 2 years later. B dies 5 years after that without changing the
beneficiary on his policy. Which of these will receive the death proceeds from the
policy? - ANSWER-C
S and W are business partners. They both buy and own policies on one another. 3
years later the business dissolved. S & W are both married. They do not change the
beneficiaries of the policies. They no longer have insurable interest on each other.
5 years later S dies, who gets the benefits of the policy? - ANSWER-W
P has a life policy with his mother. P marries and changes the ownership of the
policy to his spouse. P later dies without making other changes. Who will receive
the death proceeds? - ANSWER-P's mother
The Department of Insurance does all of the following, except?
A. Ensurers fair competition in the industry
B. Administers the Worker's Compensation System
C. Computes Reinsurance Reserves
, D. Releases Reinsurance Reserves if needed - ANSWER-D. Releases Reinsurance
reserves if needed
An insurance company incorporated in Texas, would be known as?
A. Domestic
B. Foreign
C. Alien
D. Admitted - ANSWER-A. Domestic
What is a foreign insurer?
A. A company that is incorporated in this state
B. A company that has employees in this state
C. A company that is incorporated in another country
D. A company that is incorporated in another state - ANSWER-D. A company that
is incorporated in another state
An insurance company incorporated in New York selling policies in Texas would
be called?
A. Foreign
B. Domestic
C. Alien
D. Mutual - ANSWER-A. Foreign
An insurance company's home office is outside of the United States, this would be
called?
A. Domestic
B. Foreign
HEALTH INSURANCE EXAM 300+ QUESTIONS &
CORRECT ANSWERS LATEST 2026
All of the following are true about the Commissioner of Insurance in Texas except:
A. Chief Executive and Administrative Officer at the Department of Insurance
B. The Commissioner is an elected official
C. Enforces Insurance related laws
D. Administers the Worker's Compensation System - ANSWER-B. The
Commissioner is an elected official
Which of these is true of the Commissioner of Insurance?
A. He/she is an elected official
B. He/she is appointed by the Governor
C. He/she makes and sets insurance laws
D. He/she is voted into office by the State Legislature - ANSWER-B. He/She is
appointed by the Governor
All the following are part of the power and duties of the state of Texas Insurance
Commissioner, except?
A. To make and pass fair and reasonable insurance laws
B. Assess and enforce penalties
C. Ensure fair competition in the insurance industry
D. Administer the Worker's Compensation System - ANSWER-A. To make and
pass fait and reasonable insurance laws
,The Commissioner of Insurance in Texas does which of these?
A. Makes and passes insurance-related laws
B. Acts as a public prosecutor
C. Approves insurers by giving them a Certificate of Authority
D. Can sentence a person breaking an insurance law to prison - ANSWER-C.
Approves insurers by giving them a Certificate of Authority
The commissioner of insurance can do which of these?
A. Set continuing education requirements in Texas
B. Makes insurance laws
C. Pursues criminal proceedings against insurers
D. Sentences a person to jail for insurance fraud - ANSWER-A. Set continuing
education requirements in Texas
Which of these cannot request information about fraudulent health claims?
A. Commissioner of Insurance
B. Insured
C. District Attorney
D. Local Police - ANSWER-B. Insured
The Department of Insurance must examine the books and records of an admitted
and domestic insurer no less than?
A. Once a year
B. Once every 2 years
C. Once every 3 years
,D. Once every 5 years - ANSWER-D. Once every 5 years
When an application for life insurance goes to the underwriting department of an
insurer the purpose is? - ANSWER-Risk Classification
The process of classifying a risk for the purpose of issuing an insurance policy is
known as? - ANSWER-Underwritting
Insurance Interest must exist at what time in the underwriting of a life insurance
policy? - ANSWER-At the time of application
B bought a life insurance policy 10 years ago while married to C. B & C get a
divorce. B marries E 2 years later. B dies 5 years after that without changing the
beneficiary on his policy. Which of these will receive the death proceeds from the
policy? - ANSWER-C
S and W are business partners. They both buy and own policies on one another. 3
years later the business dissolved. S & W are both married. They do not change the
beneficiaries of the policies. They no longer have insurable interest on each other.
5 years later S dies, who gets the benefits of the policy? - ANSWER-W
P has a life policy with his mother. P marries and changes the ownership of the
policy to his spouse. P later dies without making other changes. Who will receive
the death proceeds? - ANSWER-P's mother
The Department of Insurance does all of the following, except?
A. Ensurers fair competition in the industry
B. Administers the Worker's Compensation System
C. Computes Reinsurance Reserves
, D. Releases Reinsurance Reserves if needed - ANSWER-D. Releases Reinsurance
reserves if needed
An insurance company incorporated in Texas, would be known as?
A. Domestic
B. Foreign
C. Alien
D. Admitted - ANSWER-A. Domestic
What is a foreign insurer?
A. A company that is incorporated in this state
B. A company that has employees in this state
C. A company that is incorporated in another country
D. A company that is incorporated in another state - ANSWER-D. A company that
is incorporated in another state
An insurance company incorporated in New York selling policies in Texas would
be called?
A. Foreign
B. Domestic
C. Alien
D. Mutual - ANSWER-A. Foreign
An insurance company's home office is outside of the United States, this would be
called?
A. Domestic
B. Foreign
