1|Page
TEXAS LIFE AND HEALTH INSURANCE EXAM
PRACTICE LATELY UPDATED QUESTIONS AND
100% CORRECT ANSWERS WITH A
GUARANTEED A+|| 2025-2026 LATEST AND
COMPLETE UPDATE WITH VERIFIED
SOLUTIONS|| GUARANTEED PASS!!
During a sales presentation for a participating life insurance policy, an agent
MUST
make a prospect understand that dividends are NOT guaranteed
How long can a cash surrender value payment be deferred by the insurance
company under the Nonforfeiture Law?
6 months
In Texas, an individual life insurance policy is REQUIRED to have a grace period
of
31 days
,2|Page
____ of continuing education MUST be completed in the classroom or classroom
equivalent.
50%
In Texas, how long must a policy be in force before an insurance company must
pay death benefits for suicide?
2 years
A certificate of ________ permits an insurance company to transact business in
Texas.
authority
A domestic insurance company in Texas is considered a company that?
is incorporated and formed in Texas
A foreign insurance company conducting insurance business in Texas
was formed under the laws of another state
,3|Page
A license may be denied, suspended, or revoked if the licensee?
is found guilty of misrepresentation in obtaining the license
A new general property and casualty licensee must complete at LEAST __ hours of
continuing education within 24 months of initial licensure.
24
Which action will a life insurance company most likely take if an insured dies and
it is discovered that the insured's age was misstated on the application?
Pay an amount the premiums would have purchased at the insured's actual age
Which of the following groups may NOT be insured by a group life insurance
policy?
Individuals who are related by blood
Which of the following is NOT included in a life insurance illustration?
, 4|Page
Company's mortality table
All of these statements about the Commissioner of Insurance are true EXCEPT
The Commissioner must be elected
Which of these provisions is NOT required in life insurance policies?
Extended Term
An insurance company organized under New York laws and licensed to do
business in Texas is considered a(n)
foreign company
As a condition for a loan, a bank requires the borrower to purchase credit insurance
from a specific company. What is the bank guilty of?
Coercion
TEXAS LIFE AND HEALTH INSURANCE EXAM
PRACTICE LATELY UPDATED QUESTIONS AND
100% CORRECT ANSWERS WITH A
GUARANTEED A+|| 2025-2026 LATEST AND
COMPLETE UPDATE WITH VERIFIED
SOLUTIONS|| GUARANTEED PASS!!
During a sales presentation for a participating life insurance policy, an agent
MUST
make a prospect understand that dividends are NOT guaranteed
How long can a cash surrender value payment be deferred by the insurance
company under the Nonforfeiture Law?
6 months
In Texas, an individual life insurance policy is REQUIRED to have a grace period
of
31 days
,2|Page
____ of continuing education MUST be completed in the classroom or classroom
equivalent.
50%
In Texas, how long must a policy be in force before an insurance company must
pay death benefits for suicide?
2 years
A certificate of ________ permits an insurance company to transact business in
Texas.
authority
A domestic insurance company in Texas is considered a company that?
is incorporated and formed in Texas
A foreign insurance company conducting insurance business in Texas
was formed under the laws of another state
,3|Page
A license may be denied, suspended, or revoked if the licensee?
is found guilty of misrepresentation in obtaining the license
A new general property and casualty licensee must complete at LEAST __ hours of
continuing education within 24 months of initial licensure.
24
Which action will a life insurance company most likely take if an insured dies and
it is discovered that the insured's age was misstated on the application?
Pay an amount the premiums would have purchased at the insured's actual age
Which of the following groups may NOT be insured by a group life insurance
policy?
Individuals who are related by blood
Which of the following is NOT included in a life insurance illustration?
, 4|Page
Company's mortality table
All of these statements about the Commissioner of Insurance are true EXCEPT
The Commissioner must be elected
Which of these provisions is NOT required in life insurance policies?
Extended Term
An insurance company organized under New York laws and licensed to do
business in Texas is considered a(n)
foreign company
As a condition for a loan, a bank requires the borrower to purchase credit insurance
from a specific company. What is the bank guilty of?
Coercion
