Texas General Lines Life, Accident & Health Insurance Actual Exam Test Bank (Latest 2025/2026 Update) Complete 500 Questions with Verified & Detailed Answers|100% Correct |Already Graded A+

Texas General Lines Life, Accident & Health i,- i,- i,- i,- i,- i,- i,-




Insurance Actual Exam Test Bank (Latest i,- i,- i,- i,- i,- i,-




2025/2026 Update) Complete 500 Questions i,- i,- i,- i,- i,-




with Verified & Detailed Answers|100% i,- i,- i,- i,- i,-




Correct |Already Graded A+ i,- i,- i,-




A client buys a $50,000 Whole Life policy on himself and wants to
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add $25,000 in Term coverage for his spouse. He should add
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which of the following riders to his policy?
i,- i,- A- Spousal Rideri,- i,- i,- i,- i,- i,-i,- i,- i,- i,-




B- Family Rider
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C- Other Insured Rider
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D- Additional Insured Rider
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All of the following are considered to be owner's rights under a
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Life insurance policy, EXCEPT:
i,- A- Changing an irrevocable i,- i,- i,-i,- i,- i,- i,- i,- i,-



beneficiary
B- Changing a dividend option
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C- Taking a policy loan
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D- Selecting a settlement option prior to death
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If the insured dies 5 years after he bought a Life insurance policy
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and the insurer determines that there was material
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,misrepresentation on his application, they will: i,- i,- i,- i,- i,- i,-i,- i,- A- Pay the i,- i,- i,-



claim
B- Pay only a portion of the claim
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C- Deny the claim
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D- Deny the claim but refund the premium
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The life insurance policy provision that prevents the insurer from
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modifying a policy after it has been issued is the: i,-A- i,- i,- i,- i,- i,- i,- i,- i,- i,-i,- i,- i,-



Incontestability Clause i,-




B- Entire Contract Clause
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C- Consideration Clause
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D- Insuring Clause
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Which of the following statements is true about exercising a
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Guaranteed Insurability option: i,- i,-




I. The new insurance is available at the original issue age rate
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II. Evidence of insurability is not required
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III. The insured can exercise the option at any time after the age
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of 21 i,-




IV. The maximum purchase is specified in the contract
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and IV i,-

,B- I and II
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C- II and IV
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D- I, II, and III
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In a policy insuring the life of a child, which of the following
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allows the premiums to be waived in the event of the death or
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disability of the person responsible for premium payments?
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A- Reduced Paid-Up option
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B- Payor Benefit Rider
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C- Waiver of Premium provision
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D- Reduction of Premium option
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Which of the following is true about the Misstatement of Age
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provision A- It allows the insurer to adjust benefits
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B- It allows the insurer to change the premium
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C- It allows the insurer to void the contract
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D- It allows the insurer to contest a claim during the first 2
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Which of the following statements about a typical Suicide clause
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in a Life insurance policy is true?
i,- i,- i,- A- Suicide is excluded for a i,- i,- i,- i,-i,- i,- i,- i,- i,- i,- i,- i,-



specific period of years and covered thereafter
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B- Suicide is excluded as long as the policy is in force
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, C- Suicide is covered for a specific period of years and excluded
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thereafter
D- Suicide is covered as long as the policy is in force
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A $10,000 Life insurance policy with a Triple Indemnity clause has
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been in force for three years. The insured is injured in a train
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wreck and dies in a hospital five months later. The death
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proceeds payable under the policy would be:
i,- A- $20,000 i,- i,- i,- i,- i,- i,-i,- i,- i,-




B- $ -0-
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C- $30,000
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D- $10,000
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Sandra Timms, age 27, is advised by her producer to purchase
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Life insurance to cover a 20-year-amortized $50,000 business-
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improvement loan. Which of the following plans would i,- i,- i,- i,- i,- i,- i,- i,-



adequately protect Ms. Timms at the minimum premium outlay?
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A- $50,000 Whole Life policy
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B- $50,000 Level Term policy for 20 years
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C- $50,000 20 Pay Life policy
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D- $50,000 Decreasing Term policy for 20 years
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Decreasing Term policy for 20 years i,- i,- i,- i,- i,-