TEXAS LAWS AND RULES PERTINENT TO
INSURANCE EXAM 2025/2026 WITH ACTUAL
CORRECT QUESTIONS AND VERIFIED
DETAILED ANSWERS |CURRENTLY TESTING
QUESTIONS AND SOLUTIONS|ALREADY
GRADED A+|NEWEST|BRAND NEW VERSION
!!|GUARANTEED PASS
An example of an unfair claims settlement practice is:
- making it mandatory that proof of loss be provided for each claim
- requiring a time limit for submitting a claim
- paying a claim in a timely matter
- turning down a claim without providing the basis of denial
turning down a claim without providing the basis of denial
What is an organization that solicits insurance only to its members?
- domestic society
- singular company
- limited liability company
- fraternal benefit society
Fraternal benefit society
All of these statements about the Commissioner of Insurance are true EXCEPT
- The Commissioner must be elected
- The Commissioner regulates the business of insurance in this state
- The Commissioner ensures that TX insurance laws are executed
- The Commissioner protects and ensures the fair treatment of consumers
The Commissioner must be elected
An insurer is NOT required to provide information on fraudulent claims if requested by:
- the TX Department of Insurance
- Attorney General
1|Page
, - Commissioner
- insured
an insured
A temporary agent's license issued by the commissioner of insurance is valid for up to ___ days:
- 60
- 90
- 120
- 180
90
Which Unfair Trade Practice involves an agent telling a prospective client that a policy's
dividends are guaranteed?
- twisting
- rebating
- misrepresentation
- sliding
Misrepresentation
Which of these provisions is NOT required in life insurance policies?
- Free look
- Grace period
- Extended Term
- Entire contract
Extended Term
How often must an insurance agent license normally be renewed?
- every six months
- each year
- every two years
- every three years
Every two years
Who owns a stock insurance company?
- board of directors
- stockholders
- agents
- policyowners
2|Page
INSURANCE EXAM 2025/2026 WITH ACTUAL
CORRECT QUESTIONS AND VERIFIED
DETAILED ANSWERS |CURRENTLY TESTING
QUESTIONS AND SOLUTIONS|ALREADY
GRADED A+|NEWEST|BRAND NEW VERSION
!!|GUARANTEED PASS
An example of an unfair claims settlement practice is:
- making it mandatory that proof of loss be provided for each claim
- requiring a time limit for submitting a claim
- paying a claim in a timely matter
- turning down a claim without providing the basis of denial
turning down a claim without providing the basis of denial
What is an organization that solicits insurance only to its members?
- domestic society
- singular company
- limited liability company
- fraternal benefit society
Fraternal benefit society
All of these statements about the Commissioner of Insurance are true EXCEPT
- The Commissioner must be elected
- The Commissioner regulates the business of insurance in this state
- The Commissioner ensures that TX insurance laws are executed
- The Commissioner protects and ensures the fair treatment of consumers
The Commissioner must be elected
An insurer is NOT required to provide information on fraudulent claims if requested by:
- the TX Department of Insurance
- Attorney General
1|Page
, - Commissioner
- insured
an insured
A temporary agent's license issued by the commissioner of insurance is valid for up to ___ days:
- 60
- 90
- 120
- 180
90
Which Unfair Trade Practice involves an agent telling a prospective client that a policy's
dividends are guaranteed?
- twisting
- rebating
- misrepresentation
- sliding
Misrepresentation
Which of these provisions is NOT required in life insurance policies?
- Free look
- Grace period
- Extended Term
- Entire contract
Extended Term
How often must an insurance agent license normally be renewed?
- every six months
- each year
- every two years
- every three years
Every two years
Who owns a stock insurance company?
- board of directors
- stockholders
- agents
- policyowners
2|Page
