TEXAS LIFE & HEALTH INSURANCE LICENSE
EXAM PREP — PAPER 1
Types of Policies • Riders, Provisions, Options & Exclusions
30 Original Practice Questions with Full Explanations
Aligned to the Official Texas Insurance Content Outline
This is an independent study aid. It is not affiliated with, endorsed by, or sourced from the Texas Department of Insurance, Pearson VUE,
or any insurer. All questions are original.
,How to Use This Paper
This paper covers two of the nine topic areas on the Texas Life & Health General Knowledge exam outline:
● Section I — Types of Policies (approx. 15% of the real exam)
● Section II — Policy Riders, Provisions, Options & Exclusions (approx. 15% of the real exam)
Together these two sections make up roughly 30% of the scored questions on the real Life & Health General Knowledge
portion of the exam.
Recommended approach
1. Attempt all 30 questions in Part 1 without looking at the answer key.
2. Grade yourself using the Answer Key in Part 2.
3. Read every explanation — even for questions you got right — to reinforce the underlying concept, not just the answer.
4. Questions marked [VERIFY] flag a detail worth cross-checking against current Texas Department of Insurance
guidance, since specific rules can be updated.
, Exam-Day Strategy
A scaled score of 70 is required to pass. The Life & Health General Knowledge portion has 100 scored
questions plus 10 unscored pretest questions mixed in (145 questions administered in total across the full
exam, including the Texas state-law portion) — you won't know which questions are pretest, so treat
every question as if it counts.
Pacing
You'll have roughly 150 minutes for the full Life & Health exam. That works out to under a minute per
question on average. If a question isn't clicking within about 45-60 seconds, mark your best guess and
move on — you can flag it for review if the testing system allows, but don't let one hard question eat
time you need for ten easier ones.
Elimination strategy
Most wrong answer choices on this exam are wrong for a specific, testable reason — not just "less
correct." When you're unsure, look for the option that describes a real concept from a different part of
the outline (a common wrong-answer pattern is swapping in a correctly-defined term that answers a
different question). Eliminating those first narrows a 4-option question to a 50/50 guess even when you
don't know the answer outright.
Where candidates lose points
Confusing similarly-named concepts is the single biggest source of missed points in this section of the
exam — for example, "renewable" vs. "convertible" term riders, or "revocable" vs. "irrevocable"
beneficiaries. These pairs are tested directly and often. Use the Key Terms Quick Reference on the
following pages to drill these pairs specifically before moving to the practice questions.
EXAM PREP — PAPER 1
Types of Policies • Riders, Provisions, Options & Exclusions
30 Original Practice Questions with Full Explanations
Aligned to the Official Texas Insurance Content Outline
This is an independent study aid. It is not affiliated with, endorsed by, or sourced from the Texas Department of Insurance, Pearson VUE,
or any insurer. All questions are original.
,How to Use This Paper
This paper covers two of the nine topic areas on the Texas Life & Health General Knowledge exam outline:
● Section I — Types of Policies (approx. 15% of the real exam)
● Section II — Policy Riders, Provisions, Options & Exclusions (approx. 15% of the real exam)
Together these two sections make up roughly 30% of the scored questions on the real Life & Health General Knowledge
portion of the exam.
Recommended approach
1. Attempt all 30 questions in Part 1 without looking at the answer key.
2. Grade yourself using the Answer Key in Part 2.
3. Read every explanation — even for questions you got right — to reinforce the underlying concept, not just the answer.
4. Questions marked [VERIFY] flag a detail worth cross-checking against current Texas Department of Insurance
guidance, since specific rules can be updated.
, Exam-Day Strategy
A scaled score of 70 is required to pass. The Life & Health General Knowledge portion has 100 scored
questions plus 10 unscored pretest questions mixed in (145 questions administered in total across the full
exam, including the Texas state-law portion) — you won't know which questions are pretest, so treat
every question as if it counts.
Pacing
You'll have roughly 150 minutes for the full Life & Health exam. That works out to under a minute per
question on average. If a question isn't clicking within about 45-60 seconds, mark your best guess and
move on — you can flag it for review if the testing system allows, but don't let one hard question eat
time you need for ten easier ones.
Elimination strategy
Most wrong answer choices on this exam are wrong for a specific, testable reason — not just "less
correct." When you're unsure, look for the option that describes a real concept from a different part of
the outline (a common wrong-answer pattern is swapping in a correctly-defined term that answers a
different question). Eliminating those first narrows a 4-option question to a 50/50 guess even when you
don't know the answer outright.
Where candidates lose points
Confusing similarly-named concepts is the single biggest source of missed points in this section of the
exam — for example, "renewable" vs. "convertible" term riders, or "revocable" vs. "irrevocable"
beneficiaries. These pairs are tested directly and often. Use the Key Terms Quick Reference on the
following pages to drill these pairs specifically before moving to the practice questions.
