TEXAS GENERAL LINES LIFE ACCIDENT
HEALTH INSURANCE FINAL PAPER 2026
TESTED QUESTIONS WITH ACCURATE
ANSWERS GRADED A+
⩥ All the following statements about ordinary (or straight) whole life
insurance are correct.
Answer: The cash value remains level throughout the life of the policy
⩥ Which activity in NOT an error or omission that makes an agent or
producer legally to both the insurance and the insure.
Answer: Placing insurance with an approved surplus line insurer
⩥ All the following statements about the taxation of annuities are correct
EXEPT:.
Answer: Qualified annuities are taxes no different than no qualified
annuities
⩥ Which of the following statements about utmost good faith in
insurance is correct.
Answer: Both the insurance and the insurer must act in utmost good
faith
,⩥ Which annuity settlement option pays income for the annuitant's life,
but no less than for a specified number of year.
Answer: Life income with period certain
⩥ Tim has paid only four premium totally $1000 on his health insurance
policy when he was diagnosed with cancer. The insurance company paid
more than $100.000 to cover the medical bills for his treatments which
of the following characteristics of insurance contracts.
Answer: They are aleatory
⩥ Jack, an insurance agent, offers free season football tickets to anyone
who buys a life insurance policy from him. This sales practice is called.
Answer: rebating
⩥ After Todd was injured in a car crash, he received occupational theyto
help him return to work. His disability income policy paid for this
therapy because it had.
Answer: A rehabilitation provision
⩥ If a small employer insurance decides to terminate all small employer
health benefits plans it issues in TEXAS, it must notify the TEXAS
commissioner and all affected employer of its intent to do so at least.
Answer: At least 180 days before it ends coverage
,⩥ Contract characteristics is unique to insurance contracts but NOT all
contracts.
Answer: Unilateral
⩥ When first meeting prospective insurance applicants, a producer must
give them a document that explains the general features, benefits, and
condition of type of insurance being considered. Which is called a.
Answer: Buyer's Guide
⩥ Abby, who life in New York she is a licensed life insurance agent ,
wants to apply fo a nonresident license in Texas. To do so, she must
submit which of the following to TDI.
Answer: An aplicación, few and letter of certification from her home
state
⩥ Amanda used a basic illustration to help Mark. a potencial cliente, de
understand how the cash value of his life insurance policy would grow.
Mark then agreed to buy the policy. Which of the following best
describes Amanda's duties which respect to delivering a copy of the
illustration used.
Answer: Amanda must deliver a signed copy ilustración to both Mark
and the insurer
, ⩥ With respect to the transfer-for-value rule, which of the following
situations would result in the new owner being subject to tax on the
policy's gain upon the insured's death.
Answer: Policy is sold by the insured to neighborhood in exchange for
cash
⩥ Which of the following describes the options available with a
universal life insurance policy the owner no longer wishes to maintain.
Answer: Surrender the policy for its cash value or let the policy continue
without premium until the cash value can no longer cover monthly
deductions
⩥ A section 125 cafeteria plan may cover which of these expenses.
Answer: Health insurance premiums
⩥ An insurance producer tells a life insurance applicant that he has the
authority to waive the medical exam that is normally required by the
insurer with every application. The insurer may be required to accept the
application without a medical exam due to the producers:.
Answer: Apparent authority
⩥ A long-term care rider on a life insurance policy will pay benefits if
the insured is diagnosed as chronically ill due to which of the
following?.
Answer: Either a medical or cognitive (mental health) reason
HEALTH INSURANCE FINAL PAPER 2026
TESTED QUESTIONS WITH ACCURATE
ANSWERS GRADED A+
⩥ All the following statements about ordinary (or straight) whole life
insurance are correct.
Answer: The cash value remains level throughout the life of the policy
⩥ Which activity in NOT an error or omission that makes an agent or
producer legally to both the insurance and the insure.
Answer: Placing insurance with an approved surplus line insurer
⩥ All the following statements about the taxation of annuities are correct
EXEPT:.
Answer: Qualified annuities are taxes no different than no qualified
annuities
⩥ Which of the following statements about utmost good faith in
insurance is correct.
Answer: Both the insurance and the insurer must act in utmost good
faith
,⩥ Which annuity settlement option pays income for the annuitant's life,
but no less than for a specified number of year.
Answer: Life income with period certain
⩥ Tim has paid only four premium totally $1000 on his health insurance
policy when he was diagnosed with cancer. The insurance company paid
more than $100.000 to cover the medical bills for his treatments which
of the following characteristics of insurance contracts.
Answer: They are aleatory
⩥ Jack, an insurance agent, offers free season football tickets to anyone
who buys a life insurance policy from him. This sales practice is called.
Answer: rebating
⩥ After Todd was injured in a car crash, he received occupational theyto
help him return to work. His disability income policy paid for this
therapy because it had.
Answer: A rehabilitation provision
⩥ If a small employer insurance decides to terminate all small employer
health benefits plans it issues in TEXAS, it must notify the TEXAS
commissioner and all affected employer of its intent to do so at least.
Answer: At least 180 days before it ends coverage
,⩥ Contract characteristics is unique to insurance contracts but NOT all
contracts.
Answer: Unilateral
⩥ When first meeting prospective insurance applicants, a producer must
give them a document that explains the general features, benefits, and
condition of type of insurance being considered. Which is called a.
Answer: Buyer's Guide
⩥ Abby, who life in New York she is a licensed life insurance agent ,
wants to apply fo a nonresident license in Texas. To do so, she must
submit which of the following to TDI.
Answer: An aplicación, few and letter of certification from her home
state
⩥ Amanda used a basic illustration to help Mark. a potencial cliente, de
understand how the cash value of his life insurance policy would grow.
Mark then agreed to buy the policy. Which of the following best
describes Amanda's duties which respect to delivering a copy of the
illustration used.
Answer: Amanda must deliver a signed copy ilustración to both Mark
and the insurer
, ⩥ With respect to the transfer-for-value rule, which of the following
situations would result in the new owner being subject to tax on the
policy's gain upon the insured's death.
Answer: Policy is sold by the insured to neighborhood in exchange for
cash
⩥ Which of the following describes the options available with a
universal life insurance policy the owner no longer wishes to maintain.
Answer: Surrender the policy for its cash value or let the policy continue
without premium until the cash value can no longer cover monthly
deductions
⩥ A section 125 cafeteria plan may cover which of these expenses.
Answer: Health insurance premiums
⩥ An insurance producer tells a life insurance applicant that he has the
authority to waive the medical exam that is normally required by the
insurer with every application. The insurer may be required to accept the
application without a medical exam due to the producers:.
Answer: Apparent authority
⩥ A long-term care rider on a life insurance policy will pay benefits if
the insured is diagnosed as chronically ill due to which of the
following?.
Answer: Either a medical or cognitive (mental health) reason
