1
TEXAS GENERAL LINES LIFE, ACCIDENT AND
HEALTH INSURANCE 2026/2027 Complete State
Licensing Exam | Actual Questions & Verified
Answers | Texas Department of Insurance License
Prep | Pass Guarantee
Section 1: Texas Insurance Laws & Regulations
Q1: Under the Texas Insurance Code, what is the maximum temporary producer license the
Commissioner may issue without examination?
A. 30 days
B. 90 days
C. 180 days
D. 365 days
Answer: C
Verified Rationale: The Texas Insurance Code allows the Commissioner to issue a temporary
license for up to 180 days without requiring an examination.
Q2: Which of the following acts is expressly prohibited as “twisting” under Texas law?
A. Replacing a policy with identical benefits at a lower premium
B. Making any written comparison of policies
C. Misrepresenting terms or benefits to induce policy replacement
D. Providing a policy summary on request
Answer: C
Verified Rationale: Twisting occurs when a producer deliberately misrepresents facts to persuade
an insured to replace an existing policy.
Q3: The Texas Life, Accident & Health Guaranty Association covers individual life insurance
benefits up to what maximum death benefit per insured life?
A. $100,000
B. $300,000
C. $500,000
D. $1,000,000
,2
Answer: B
Verified Rationale: The Association caps individual life insurance death benefits at $300,000 per
insured life.
Q4: A Texas producer must notify the Texas Department of Insurance (TDI) of a change of
residential address within how many days?
A. 10 days
B. 15 days
C. 30 days
D. 60 days
Answer: C
Verified Rationale: Texas rules require producers to report address changes within 30 days.
Q5: Which document must be filed with TDI before an insurer can use a new life insurance
policy form in Texas?
A. Application only
B. Advertising materials only
C. Policy form and all riders for prior approval
D. Agent training manual
Answer: C
Verified Rationale: Insurers must file policy forms and riders for TDI prior approval before
market use.
Section 2: Life Insurance Policies & Provisions
Q6: In Texas, the optional “Children’s Term Rider” attached to a whole-life policy is classified as
what type of insurance?
A. Level term on the primary insured
B. Level term on each named child
C. Decreasing term on the spouse
D. Whole life on the insured’s children
Answer: B
Verified Rationale: Children’s term riders provide level term coverage on each named child to a
stated age.
Q7: Which whole-life policy provision guarantees that cash values will be available by policy
loan within seven days of request?
A. Non-forfeiture option
B. Automatic premium loan
C. Policy loan provision
D. Guaranteed insurability
, 3
Answer: C
Verified Rationale: The policy loan provision mandates cash-value loans be made available
within seven days.
Q8: Under the Texas “Misstatement of Age” provision, if the insured is discovered to be older
than stated, the insurer will:
A. Void the policy
B. Pay the face amount and refund excess premium
C. Pay a reduced benefit adjusted to the premiums that should have been paid
D. Increase the death benefit
Answer: C
Verified Rationale: Benefits are adjusted to reflect the age that the premium paid would have
purchased.
Q9: A 15-year convertible term policy may be exchanged to a whole-life contract without which
of the following?
A. Evidence of insurability
B. Payment of back premiums
C. Payment of current premium
D. Selection of a non-forfeiture option
Answer: A
Verified Rationale: Convertible term policies allow conversion without new evidence of
insurability.
Q10: The “spousal rider” on a Texas life policy typically terminates when:
A. The insured dies
B. The spouse reaches age 65
C. The primary policy is surrendered
D. The spouse remarries
Answer: C
Verified Rationale: Riders terminate when the base policy is surrendered or lapses.
Section 3: Accident & Health Insurance Policies
Q11: Which provision mandates that a Texas individual disability-income policy pay benefits if
the insured cannot perform the substantial duties of their own occupation for the first two years?
A. Any-occupation definition
B. Own-occupation definition
C. Presumptive disability
D. Partial disability
TEXAS GENERAL LINES LIFE, ACCIDENT AND
HEALTH INSURANCE 2026/2027 Complete State
Licensing Exam | Actual Questions & Verified
Answers | Texas Department of Insurance License
Prep | Pass Guarantee
Section 1: Texas Insurance Laws & Regulations
Q1: Under the Texas Insurance Code, what is the maximum temporary producer license the
Commissioner may issue without examination?
A. 30 days
B. 90 days
C. 180 days
D. 365 days
Answer: C
Verified Rationale: The Texas Insurance Code allows the Commissioner to issue a temporary
license for up to 180 days without requiring an examination.
Q2: Which of the following acts is expressly prohibited as “twisting” under Texas law?
A. Replacing a policy with identical benefits at a lower premium
B. Making any written comparison of policies
C. Misrepresenting terms or benefits to induce policy replacement
D. Providing a policy summary on request
Answer: C
Verified Rationale: Twisting occurs when a producer deliberately misrepresents facts to persuade
an insured to replace an existing policy.
Q3: The Texas Life, Accident & Health Guaranty Association covers individual life insurance
benefits up to what maximum death benefit per insured life?
A. $100,000
B. $300,000
C. $500,000
D. $1,000,000
,2
Answer: B
Verified Rationale: The Association caps individual life insurance death benefits at $300,000 per
insured life.
Q4: A Texas producer must notify the Texas Department of Insurance (TDI) of a change of
residential address within how many days?
A. 10 days
B. 15 days
C. 30 days
D. 60 days
Answer: C
Verified Rationale: Texas rules require producers to report address changes within 30 days.
Q5: Which document must be filed with TDI before an insurer can use a new life insurance
policy form in Texas?
A. Application only
B. Advertising materials only
C. Policy form and all riders for prior approval
D. Agent training manual
Answer: C
Verified Rationale: Insurers must file policy forms and riders for TDI prior approval before
market use.
Section 2: Life Insurance Policies & Provisions
Q6: In Texas, the optional “Children’s Term Rider” attached to a whole-life policy is classified as
what type of insurance?
A. Level term on the primary insured
B. Level term on each named child
C. Decreasing term on the spouse
D. Whole life on the insured’s children
Answer: B
Verified Rationale: Children’s term riders provide level term coverage on each named child to a
stated age.
Q7: Which whole-life policy provision guarantees that cash values will be available by policy
loan within seven days of request?
A. Non-forfeiture option
B. Automatic premium loan
C. Policy loan provision
D. Guaranteed insurability
, 3
Answer: C
Verified Rationale: The policy loan provision mandates cash-value loans be made available
within seven days.
Q8: Under the Texas “Misstatement of Age” provision, if the insured is discovered to be older
than stated, the insurer will:
A. Void the policy
B. Pay the face amount and refund excess premium
C. Pay a reduced benefit adjusted to the premiums that should have been paid
D. Increase the death benefit
Answer: C
Verified Rationale: Benefits are adjusted to reflect the age that the premium paid would have
purchased.
Q9: A 15-year convertible term policy may be exchanged to a whole-life contract without which
of the following?
A. Evidence of insurability
B. Payment of back premiums
C. Payment of current premium
D. Selection of a non-forfeiture option
Answer: A
Verified Rationale: Convertible term policies allow conversion without new evidence of
insurability.
Q10: The “spousal rider” on a Texas life policy typically terminates when:
A. The insured dies
B. The spouse reaches age 65
C. The primary policy is surrendered
D. The spouse remarries
Answer: C
Verified Rationale: Riders terminate when the base policy is surrendered or lapses.
Section 3: Accident & Health Insurance Policies
Q11: Which provision mandates that a Texas individual disability-income policy pay benefits if
the insured cannot perform the substantial duties of their own occupation for the first two years?
A. Any-occupation definition
B. Own-occupation definition
C. Presumptive disability
D. Partial disability
