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Exam (elaborations)

2025 TEXAS LIFE, ACCIDENT AND HEALTH STATE EXAM PREP LATEST UPDATE EXPERT VERIFIED QUESTIONS AND ANSWERS REAL EXAM

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2025 TEXAS LIFE, ACCIDENT AND HEALTH STATE EXAM PREP LATEST UPDATE EXPERT VERIFIED QUESTIONS AND ANSWERS REAL EXAM

Institution
TEXAS HEALTH AND LIFE INSURANCE
Course
TEXAS HEALTH AND LIFE INSURANCE









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Institution
TEXAS HEALTH AND LIFE INSURANCE
Course
TEXAS HEALTH AND LIFE INSURANCE

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Uploaded on
December 10, 2024
Number of pages
14
Written in
2024/2025
Type
Exam (elaborations)
Contains
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2025 TEXAS LIFE, ACCIDENT AND HEALTH STATE
EXAM PREP LATEST UPDATE EXPERT VERIFIED
QUESTIONS AND ANSWERS REAL EXAM

Over-fundedRlifeRinsuranceRpoliciesRwhereRtheRproceedsRareRsubjectRtoRtaxationRareRcalled:R-
RcorrectRanswer-MECsR(ModifiedREndowmentRContracts)




ModifiedRendowmentRcontractsRareRover-
fundedRlifeRinsuanceRpoliciesRinRwhichRproceedsRareRsubjectRtoRtaxation.


TheRmostRcommonRplanRusedRwithRanRHSARis:R-RcorrectRanswer-HDHP


HSAsR(HealthRSavingsRAccounts)RareRfrequentlyRusedRwithRHDHPsR(highRdeductibleRhealthRplans).


SallyRisRaRself-
employedRsoftwareRprogrammerRthatRworksRfromRhome.RIfRsheRbecomesRunableRtoRworkRdueRtoRaRdisabilit
y,RwhichRtypeRofRpolicyRwouldRpayRherRrent?R-RcorrectRanswer-IndividualRdisabilityRincomeRpolicy


SheRisRself-employed,RanRindividualRdisabilityRincomeRpolicyRwouldRcoverRher.


WhatRapproachRcalculatesRtheRamountRofRmoneyRaRfamilyRneedsRimmediatelyRuponRtheRdeathRofRtheRinsur
edRtoRpayRforRtheirRexpensesRandRbasicRnecessities?R-RcorrectRanswer-Needs


TheRneedsRapproachRcalculatesRtheRamountRofRmoneyRaRfamilyRneedsRimmediatelyRuponRtheRdeathRofRtheRi
nsuredRtoRpayRforRtheirRexpensesRandRbasicRnecessities.


ARdecreasingRtermRlifeRpolicyRwouldRbeRtheRmostRappropriateRfor:R-RcorrectRanswer-
AR41RyearRoldRlawyerRwhoRwantsRaRpolicyRtoRpayRhisRmortgageRifRheRdies.


ARdecreasingRtermRlifeRpolicyRwouldRbeRtheRmostRappropriateRforRaR41RyrRoldRlawyerRwhoRwantsRaRpolicyR
toRpayRhisRmortgageRifRheRdoes.

, WhichRofRtheRfollowingRmustRhappenRbeforeRanRHIVRtestRisRperformedRonRanRapplicant?R-RcorrectRanswer-
ARconsentRformRmustRbeRsignedRbyRtheRapplicantRpriorRtoRtheRtest.


TheRapplicantRmustRconsentRtoRtheRtestRandRsignRaRconsentRformRbeforeRtheRtestRisRperformed.


AnRagent'sRappointmentRremainsRinRforce:R-RcorrectRanswer-UntilRterminatedRorRsurrendered


AnRappointmentRremainsRinRforceRuntilRtheRinsurerRterminatesRtheRappointmentRorRtheRagentRsurrendersRth
eirRappointment.


WhatRtypeRofRinsurerRisRformedRunderRtheRlawsRofRanyplaceRoutsideRofRtheRUnitedRStates?R-
RcorrectRanswer-Alien




AnRalienRinsurerRisRoneRformedRunderRtheRlawsRofRanyRplaceRoutsideRtheRUnitedRStates.


HowRmanyRcontinuingReducationRcreditRhoursRmustRTexasRagentsRcompleteRduringReachRlicenseRperiod?R-
RcorrectRanswer-24




AgentsRmustRcompleteR24RhoursRofRcontinuingReducationRduringReveryRlicensingRperiodR(everyR2Ryears).


CindyRhasRaRnewRmedicalRplanRthatRprovidesRbothRhealthRcareRservicesRandRhealthRcareRinsurance.RSheRisRc
overedRby:R-RcorrectRanswer-AnRHMOR(HealthRMaintenanceROrganization)


SheRisRcoveredRunderRanRHMO.


AccordingRtoRtheRPhysicalRExaminationRandRAutopsyRprovision,RwhoRisRresponsibleRforRpayingRtheRcostRo
fRexaminingRtheRinsured?R-RcorrectRanswer-TheRinsurer


WhereRnotRprohibitedRbyRlaw,RtheRinsurerRmayRrequestRthatRaRphysicalRexaminationRorRautopsyRofRtheRinsu
redRbeRperformedRwhileRaRclaimRisRpending.RTheRcostRofRsuchRprocedureRisRtheRinsurer'sRresponsibility.


SamsonRhasRaRpolicyRthatRallowsRtheRinsurerRtoRcancelRtheRpolicyRatRanyRdateRspecifiedRinRtheRcontract,Ran
dRtoRraiseRhisRpremiums.RWhichRtypeRofRpolicyRisRit?R-RcorrectRanswer-OptionallyRRenewable

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