Texas Insurance Exam Questions
and Answers 100% Pass
How many hours of ethics continuing education must an agent complete in any 2-
year license period? A. 4 B. 5 C. 3 D. 2 - CORRECT ANSWER-D
The commissioner has the power to
A. appoint a stock insurance company board of directors B. issue certificates of
authority to insurers C. authorize a mutual insurance company sale of stock D.
write and enact new legislation and statutes affecting the business of insurance -
CORRECT ANSWER-B
Written notices of reported violations must be sent within
A. 10 days B. 14 days C. 21 days D. 30 days - CORRECT ANSWER-B
All of the following are correct regarding licensing requirements EXCEPT
A. the person must be at least 21 years old B. the state licensing examination must
be passed C. the person has submitted an application D. a non-refundable fee has
been paid - CORRECT ANSWER-A
An agent licensed in Texas who moves from one state to another must file proof
of authorization to conduct business in the new state within how many days?
,A. 10 B. 20 C. 30 D. 60 - CORRECT ANSWER-C
A person who examines and assesses risk for persons seeking or renewing property
and casualty insurance is A. a reinsurer B. a surplus lines agent C. an insurance
counselor D. a risk manager - CORRECT ANSWER-D
Insurance issued to Texas residents by companies not licensed to do business in
Texas would be classified as A. unlicensed insurance B. unauthorized insurance C.
unlisted entrance D. alien insurance - CORRECT ANSWER-B
Agents who solicit and procure insurance for themselves, their families, and their
business associates (not for the general public) are said to engage in
A. rebating B. surplus lines Insurance C. controlled business D. unauthorized
insurance - CORRECT ANSWER-C
At a minimum, the department must examine a carrier at least once every
A. 6 months B. year C. 5 years D. decade - CORRECT ANSWER-C
Which of the following is a requirement for a temporary insurance license?
A. The applicant must complete a licensing course within 10 days of application
filing.
B. The applicant must complete training supervised by an agent, insurer, or HMO.
C. The applicant must be sponsored by the Department.
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED
, D. The applicant must demonstrate high unethical standards. - CORRECT
ANSWER-B
How many hours of continuing educations is an agent responsible to complete in
any 2-year license period?
A. 15
B. 24
C. None if licensed less than 5 years.
D. It depends on the agent's birth date. - CORRECT ANSWER-B
Which of the following is an example of misrepresentation?
A. An agent convinces a prospect to replace his existing homeowners policy with a
new, more expensive policy that provides more coverage.
B. An insurer advertises a life insurance policy without mentioning that premiums
may be paid quarterly instead of annually.
C. An agent leads a buyer of an auto policy to believe that she will be covered
when driving others' cars when she will not.
D. An agent offers a housewarming present to anyone who purchases
homeowners insurance from him. - CORRECT ANSWER-C
Making a misrepresentation to induce a policyholder to lapse a policy is considered
A. coercion
and Answers 100% Pass
How many hours of ethics continuing education must an agent complete in any 2-
year license period? A. 4 B. 5 C. 3 D. 2 - CORRECT ANSWER-D
The commissioner has the power to
A. appoint a stock insurance company board of directors B. issue certificates of
authority to insurers C. authorize a mutual insurance company sale of stock D.
write and enact new legislation and statutes affecting the business of insurance -
CORRECT ANSWER-B
Written notices of reported violations must be sent within
A. 10 days B. 14 days C. 21 days D. 30 days - CORRECT ANSWER-B
All of the following are correct regarding licensing requirements EXCEPT
A. the person must be at least 21 years old B. the state licensing examination must
be passed C. the person has submitted an application D. a non-refundable fee has
been paid - CORRECT ANSWER-A
An agent licensed in Texas who moves from one state to another must file proof
of authorization to conduct business in the new state within how many days?
,A. 10 B. 20 C. 30 D. 60 - CORRECT ANSWER-C
A person who examines and assesses risk for persons seeking or renewing property
and casualty insurance is A. a reinsurer B. a surplus lines agent C. an insurance
counselor D. a risk manager - CORRECT ANSWER-D
Insurance issued to Texas residents by companies not licensed to do business in
Texas would be classified as A. unlicensed insurance B. unauthorized insurance C.
unlisted entrance D. alien insurance - CORRECT ANSWER-B
Agents who solicit and procure insurance for themselves, their families, and their
business associates (not for the general public) are said to engage in
A. rebating B. surplus lines Insurance C. controlled business D. unauthorized
insurance - CORRECT ANSWER-C
At a minimum, the department must examine a carrier at least once every
A. 6 months B. year C. 5 years D. decade - CORRECT ANSWER-C
Which of the following is a requirement for a temporary insurance license?
A. The applicant must complete a licensing course within 10 days of application
filing.
B. The applicant must complete training supervised by an agent, insurer, or HMO.
C. The applicant must be sponsored by the Department.
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED
, D. The applicant must demonstrate high unethical standards. - CORRECT
ANSWER-B
How many hours of continuing educations is an agent responsible to complete in
any 2-year license period?
A. 15
B. 24
C. None if licensed less than 5 years.
D. It depends on the agent's birth date. - CORRECT ANSWER-B
Which of the following is an example of misrepresentation?
A. An agent convinces a prospect to replace his existing homeowners policy with a
new, more expensive policy that provides more coverage.
B. An insurer advertises a life insurance policy without mentioning that premiums
may be paid quarterly instead of annually.
C. An agent leads a buyer of an auto policy to believe that she will be covered
when driving others' cars when she will not.
D. An agent offers a housewarming present to anyone who purchases
homeowners insurance from him. - CORRECT ANSWER-C
Making a misrepresentation to induce a policyholder to lapse a policy is considered
A. coercion
