TEXAS LTC TEST ACTUAL EXAM PAPER
2026 QUESTIONS WITH ANSWERS
GRADED A+
◍ A sign with a large "51%" is used to prohibit the carrying of a handgun:.
Answer: On the premises of a business that derives 51 percent or more of its
income from the sale of alcohol for on premises consumption;
◍ Accumulated Depreciation.
Answer: The total decrease in an item's value over a period of time.
Formula: (Annual Depreciation x Number of years used)
◍ A license holder commits an offense if he/she carries under the authority of
Subchapter H, Chapter 411, Government Code, on the property of another
without effective consent and received notice under Penal Code §30.06..
Answer: True
◍ As defined in Penal Code §46.03, premises means:.
Answer: a building or portion of a buildingB) does not include any private
driveway, street, sidewalk or walkwayC) does not include parking lot,
parking garage, or other parking areaD) All of the above statements are
correctAll of the above
◍ When carrying a concealed handgun in another state under the authority a
reciprocity agreement, a Texas LTC holder must abide by the laws of that
state..
Answer: true
◍ Acreage Reporting Date.
Answer: The deadline for providing the insurer with an acreage report,
which is used to determine the amount of coverage needed and the premium
charged for a particular crop.
,◍ Texas Penal Code Chapter 9 defines deadly forces as force that is intended
or known by the actor to cause, or in the manner of its use is capable of
causing, death or serious bodily injury..
Answer: true
◍ A civil law suit may be filed against a license holder even if the deadly force
is determined to be justified in a criminal case..
Answer: true
◍ Actual Cash Value (ACV).
Answer: A valuation method used by insurers to reflect an item's current
market value right before being damaged or destroyed. Formula:
(Replacement cost - Accumulated Depreciation)
◍ Actual Production History.
Answer: A history of a farmer's crop yields over a multi-year period, which
is used to determine the normal production level of a farm.
◍ Adhesion.
Answer: Characteristic of an insurance contract. Means that one party (the
insurer) sets the terms, and the other (the policyholder) can "take it or leave
it."
◍ Handguns are prohibited in which of the following locations:.
Answer: A) in or into a secured area of an airportB) on the premises of a
polling place on the day of an electionC) on the premises of a racetrackD)
all of the aboveAll of the above
◍ If a child gains access to a readily dischargeable firearm because a person
left the firearm in a place they knew, or should have known, the child would
gain access, the person may be subject to criminal prosecution..
Answer: true
◍ Adjusted Gross Revenue (Crop Insurance).
Answer: Narrowest (and least expensive) form of Crop Revenue Insurance.
Insures farm revenue as a whole instead of individual crops. Guarantees a
, percentage of the insured farm's average revenue.
◍ A Peace Officer is authorized to disarm a license holder anytime the officer
reasonably believes that someone's safety is at risk..
Answer: true
◍ Texas Penal Code §49.01 defines "intoxicated" as not having the normal use
of mental or physical faculties by reason of the introduction of alcohol, a
controlled substance, a drug, a dangerous drug, a combination of two or
more of those substances, or any other substance in the body; or having an
alcohol concentration of .08 or more..
Answer: true
◍ Adjuster.
Answer: An agent who, for compensation, processes insurance claims. Can
represent either the insured or the insurer.
◍ Adjuster - Emergency.
Answer: Adjusters who are temporarily licensed by the insurance
commissioner to handle claims during catastrophes or emergencies that
produce an overwhelming number of claims in a short period of time.
◍ Penal Code §9.31 does not require a person to retreat if:.
Answer: A) the person has a right to be present where the force is usedB) the
person has not provoked the person against whom the force is usedC) the
person is not engaged in criminal activity at the time the force is usedD) all
of the aboveall of the above
◍ You should always treat a handgun as if it were loaded..
Answer: true
◍ Handgun maintenance should consist of:.
Answer: Keeping your handgun cleanB) Keeping your handgun
lubricatedC) Locking your handgun in a vaultD) A & B, but not CD
◍ Adjuster - Independent.
Answer: Self-employed adjusters who contract with multiple insurers at the
, same time. Paid on a commission or fee-plus-expenses basis for each claim.
Also called: Fee Adjuster, Bureau Adjuster
◍ Adjuster - Public.
Answer: An adjuster who is hired to represent the claimant and help
determine a fair indemnification. Usually specializes in appraisals and
negotiation. Paid commission, usually a percentage of final settlement.
◍ Adjuster - Staff.
Answer: Salaried employee of one insurance company who can work
locally, regionally, or nationally. Also called: Company Adjuster
◍ Advance Payment Settlement.
Answer: A settlement option that lets the insurer offer some financial relief
to the claimant before the claim has been fully settled. The insurer makes
advance payments to the claimant, which are then subtracted from the final
settlement amount. Often used when a claimant suffers bodily injury and is
unable to work.
◍ When securing a handgun, it should be stored (select the best answer):.
Answer: D) in a place that is not accessible to anyone but to those intended
to have access
◍ Agency Authority.
Answer: The Agent's authority to act on behalf of someone else, usually an
insurer. This authority is derived from the agent's contract with the insurer.
◍ A well restrained handgun:.
Answer: will generally not fall from the holster during movement or activity
of the personB) is not easily removed by someone other than the person
carrying the handgunC) Is still readily available by the person carrying the
handgunD) All of the aboveall of the above
◍ Hiding a loaded gun is the best way to prevent children from gaining access
to it..
Answer: false
2026 QUESTIONS WITH ANSWERS
GRADED A+
◍ A sign with a large "51%" is used to prohibit the carrying of a handgun:.
Answer: On the premises of a business that derives 51 percent or more of its
income from the sale of alcohol for on premises consumption;
◍ Accumulated Depreciation.
Answer: The total decrease in an item's value over a period of time.
Formula: (Annual Depreciation x Number of years used)
◍ A license holder commits an offense if he/she carries under the authority of
Subchapter H, Chapter 411, Government Code, on the property of another
without effective consent and received notice under Penal Code §30.06..
Answer: True
◍ As defined in Penal Code §46.03, premises means:.
Answer: a building or portion of a buildingB) does not include any private
driveway, street, sidewalk or walkwayC) does not include parking lot,
parking garage, or other parking areaD) All of the above statements are
correctAll of the above
◍ When carrying a concealed handgun in another state under the authority a
reciprocity agreement, a Texas LTC holder must abide by the laws of that
state..
Answer: true
◍ Acreage Reporting Date.
Answer: The deadline for providing the insurer with an acreage report,
which is used to determine the amount of coverage needed and the premium
charged for a particular crop.
,◍ Texas Penal Code Chapter 9 defines deadly forces as force that is intended
or known by the actor to cause, or in the manner of its use is capable of
causing, death or serious bodily injury..
Answer: true
◍ A civil law suit may be filed against a license holder even if the deadly force
is determined to be justified in a criminal case..
Answer: true
◍ Actual Cash Value (ACV).
Answer: A valuation method used by insurers to reflect an item's current
market value right before being damaged or destroyed. Formula:
(Replacement cost - Accumulated Depreciation)
◍ Actual Production History.
Answer: A history of a farmer's crop yields over a multi-year period, which
is used to determine the normal production level of a farm.
◍ Adhesion.
Answer: Characteristic of an insurance contract. Means that one party (the
insurer) sets the terms, and the other (the policyholder) can "take it or leave
it."
◍ Handguns are prohibited in which of the following locations:.
Answer: A) in or into a secured area of an airportB) on the premises of a
polling place on the day of an electionC) on the premises of a racetrackD)
all of the aboveAll of the above
◍ If a child gains access to a readily dischargeable firearm because a person
left the firearm in a place they knew, or should have known, the child would
gain access, the person may be subject to criminal prosecution..
Answer: true
◍ Adjusted Gross Revenue (Crop Insurance).
Answer: Narrowest (and least expensive) form of Crop Revenue Insurance.
Insures farm revenue as a whole instead of individual crops. Guarantees a
, percentage of the insured farm's average revenue.
◍ A Peace Officer is authorized to disarm a license holder anytime the officer
reasonably believes that someone's safety is at risk..
Answer: true
◍ Texas Penal Code §49.01 defines "intoxicated" as not having the normal use
of mental or physical faculties by reason of the introduction of alcohol, a
controlled substance, a drug, a dangerous drug, a combination of two or
more of those substances, or any other substance in the body; or having an
alcohol concentration of .08 or more..
Answer: true
◍ Adjuster.
Answer: An agent who, for compensation, processes insurance claims. Can
represent either the insured or the insurer.
◍ Adjuster - Emergency.
Answer: Adjusters who are temporarily licensed by the insurance
commissioner to handle claims during catastrophes or emergencies that
produce an overwhelming number of claims in a short period of time.
◍ Penal Code §9.31 does not require a person to retreat if:.
Answer: A) the person has a right to be present where the force is usedB) the
person has not provoked the person against whom the force is usedC) the
person is not engaged in criminal activity at the time the force is usedD) all
of the aboveall of the above
◍ You should always treat a handgun as if it were loaded..
Answer: true
◍ Handgun maintenance should consist of:.
Answer: Keeping your handgun cleanB) Keeping your handgun
lubricatedC) Locking your handgun in a vaultD) A & B, but not CD
◍ Adjuster - Independent.
Answer: Self-employed adjusters who contract with multiple insurers at the
, same time. Paid on a commission or fee-plus-expenses basis for each claim.
Also called: Fee Adjuster, Bureau Adjuster
◍ Adjuster - Public.
Answer: An adjuster who is hired to represent the claimant and help
determine a fair indemnification. Usually specializes in appraisals and
negotiation. Paid commission, usually a percentage of final settlement.
◍ Adjuster - Staff.
Answer: Salaried employee of one insurance company who can work
locally, regionally, or nationally. Also called: Company Adjuster
◍ Advance Payment Settlement.
Answer: A settlement option that lets the insurer offer some financial relief
to the claimant before the claim has been fully settled. The insurer makes
advance payments to the claimant, which are then subtracted from the final
settlement amount. Often used when a claimant suffers bodily injury and is
unable to work.
◍ When securing a handgun, it should be stored (select the best answer):.
Answer: D) in a place that is not accessible to anyone but to those intended
to have access
◍ Agency Authority.
Answer: The Agent's authority to act on behalf of someone else, usually an
insurer. This authority is derived from the agent's contract with the insurer.
◍ A well restrained handgun:.
Answer: will generally not fall from the holster during movement or activity
of the personB) is not easily removed by someone other than the person
carrying the handgunC) Is still readily available by the person carrying the
handgunD) All of the aboveall of the above
◍ Hiding a loaded gun is the best way to prevent children from gaining access
to it..
Answer: false
