PEARSON VUE TEXAS LIFE AND HEALTH EXAM SCRIPT
2025/2026 QUESTIONS AND SOLUTIONS MARKED A+
✔✔If an insured commits suicide after the Suicide clause in the insured's life insurance
policy has expired, the insurer will take which of the following actions?
A.Refuse to pay the Death benefit or refund any premiums
B.Refund only the premiums paid
C.Refund the premiums paid plus interest
D.Pay the Death benefit - ✔✔D
✔✔Which of the following policy provisions provides for continuation of coverage
despite nonpayment of premiums?
A.Entire Contract
B.Ownership clause
C.Nonforfeiture Option
D.Insuring clause - ✔✔C
✔✔An applicant for life insurance may question the validity and source of any consumer
information developed under the
A.Medical Information Bureau Disclosure Act
B.Fair Credit Reporting Act (Insurance Information and Privacy Protection Act)
C.Equal Employment Opportunity Act
D.Medicare Act - ✔✔B
✔✔The PRIMARY reason for selecting a Variable Whole Life policy instead of a
traditional Whole Life policy is that the Variable Whole Life policy:
A.provides flexible premium payments
B.allows the policyowner to borrow a larger percentage of the cash value
C.has the potential to earn a higher rate of return on the cash value
, D.allows the policyowner more flexibility in naming and changing beneficiaries - ✔✔C
✔✔A policyowner names his wife as the primary beneficiary of his Universal Life policy
on a revocable basis. He also names his three children as his secondary beneficiaries
and his estate as his tertiary beneficiary. If the policyowner's wife predeceases him, and
then he dies, who will receive the policy proceeds?
A.The children
B.The policyowner's estate
C.The primary beneficiary's estate
D.The tertiary beneficiary - ✔✔A
✔✔The Waiver of Premium provision of a life policy allows the insurer to take which of
the following actions?
A.Waive an insured's premiums if the insured becomes totally disabled before a certain
age
B.Waive an insured's premiums if the insured becomes partially disabled for a minimum
time
C.Increase an insured's coverage at an attained age without imposing a premium
increase
D.Reduce an insured's premiums if the insured pays them annually instead of monthly -
✔✔A
✔✔Under the Social Security Retirement Benefits, all of the following factors will
influence how much a retiring individual will receive as a monthly income benefit
EXCEPT the individual's:
A.age
B."primary insurance amount"
C."fully insured" or "currently insured" status
D.sex - ✔✔D
✔✔The PRIMARY purpose of an inspection report is to assess an applicant's:
A.credit rating
2025/2026 QUESTIONS AND SOLUTIONS MARKED A+
✔✔If an insured commits suicide after the Suicide clause in the insured's life insurance
policy has expired, the insurer will take which of the following actions?
A.Refuse to pay the Death benefit or refund any premiums
B.Refund only the premiums paid
C.Refund the premiums paid plus interest
D.Pay the Death benefit - ✔✔D
✔✔Which of the following policy provisions provides for continuation of coverage
despite nonpayment of premiums?
A.Entire Contract
B.Ownership clause
C.Nonforfeiture Option
D.Insuring clause - ✔✔C
✔✔An applicant for life insurance may question the validity and source of any consumer
information developed under the
A.Medical Information Bureau Disclosure Act
B.Fair Credit Reporting Act (Insurance Information and Privacy Protection Act)
C.Equal Employment Opportunity Act
D.Medicare Act - ✔✔B
✔✔The PRIMARY reason for selecting a Variable Whole Life policy instead of a
traditional Whole Life policy is that the Variable Whole Life policy:
A.provides flexible premium payments
B.allows the policyowner to borrow a larger percentage of the cash value
C.has the potential to earn a higher rate of return on the cash value
, D.allows the policyowner more flexibility in naming and changing beneficiaries - ✔✔C
✔✔A policyowner names his wife as the primary beneficiary of his Universal Life policy
on a revocable basis. He also names his three children as his secondary beneficiaries
and his estate as his tertiary beneficiary. If the policyowner's wife predeceases him, and
then he dies, who will receive the policy proceeds?
A.The children
B.The policyowner's estate
C.The primary beneficiary's estate
D.The tertiary beneficiary - ✔✔A
✔✔The Waiver of Premium provision of a life policy allows the insurer to take which of
the following actions?
A.Waive an insured's premiums if the insured becomes totally disabled before a certain
age
B.Waive an insured's premiums if the insured becomes partially disabled for a minimum
time
C.Increase an insured's coverage at an attained age without imposing a premium
increase
D.Reduce an insured's premiums if the insured pays them annually instead of monthly -
✔✔A
✔✔Under the Social Security Retirement Benefits, all of the following factors will
influence how much a retiring individual will receive as a monthly income benefit
EXCEPT the individual's:
A.age
B."primary insurance amount"
C."fully insured" or "currently insured" status
D.sex - ✔✔D
✔✔The PRIMARY purpose of an inspection report is to assess an applicant's:
A.credit rating
