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
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