2026 TEXAS LIFE, ACCIDENT AND HEALTH STATE
EXAM PREP LATEST UPDATE EXPERT VERIFIED
QUESTIONS AND ANSWERS REAL EXAM
Over-funded life insurance policies where the proceeds are subject to taxation are called: -
correct answer-MECs (Modified Endowment Contracts)
Modified endowment contracts are over-
funded life insuance policies in which proceeds are subject to taxation.
The most common plan used with an HSA is: - correct answer-HDHP
HSAs (Health Savings Accounts) are frequently used with HDHPs (high deductible health plans).
Sally is a self-
employed software programmer that works from home. If she becomes unable to work due to a disabilit
y, which type of policy would pay her rent? - correct answer-Individual disability income policy
She is self-employed, an individual disability income policy would cover her.
What approach calculates the amount of money a family needs immediately upon the death of the insur
ed to pay for their expenses and basic necessities? - correct answer-Needs
The needs approach calculates the amount of money a family needs immediately upon the death of the i
nsured to pay for their expenses and basic necessities.
A decreasing term life policy would be the most appropriate for: - correct answer-
A 41 year old lawyer who wants a policy to pay his mortgage if he dies.
A decreasing term life policy would be the most appropriate for a 41 yr old lawyer who wants a policy
to pay his mortgage if he does.
, Which of the following must happen before an HIV test is performed on an applicant? - correct answer-
A consent form must be signed by the applicant prior to the test.
The applicant must consent to the test and sign a consent form before the test is performed.
An agent's appointment remains in force: - correct answer-Until terminated or surrendered
An appointment remains in force until the insurer terminates the appointment or the agent surrenders th
eir appointment.
What type of insurer is formed under the laws of anyplace outside of the United States? -
correct answer-Alien
An alien insurer is one formed under the laws of any place outside the United States.
How many continuing education credit hours must Texas agents complete during each license period? -
correct answer-24
Agents must complete 24 hours of continuing education during every licensing period (every 2 years).
Cindy has a new medical plan that provides both health care services and health care insurance. She is c
overed by: - correct answer-An HMO (Health Maintenance Organization)
She is covered under an HMO.
According to the Physical Examination and Autopsy provision, who is responsible for paying the cost o
f examining the insured? - correct answer-The insurer
Where not prohibited by law, the insurer may request that a physical examination or autopsy of the insu
red be performed while a claim is pending. The cost of such procedure is the insurer's responsibility.
Samsonx hasx ax policyx thatx allowsx thex insurerx tox cancelx thex policyx atx anyx datex specifiedx inx thex contract,
x an
dx tox raisex hisx premiums.x Whichx typex ofx policyx isx it?x -x correctx answer-OptionallyxRenewable
EXAM PREP LATEST UPDATE EXPERT VERIFIED
QUESTIONS AND ANSWERS REAL EXAM
Over-funded life insurance policies where the proceeds are subject to taxation are called: -
correct answer-MECs (Modified Endowment Contracts)
Modified endowment contracts are over-
funded life insuance policies in which proceeds are subject to taxation.
The most common plan used with an HSA is: - correct answer-HDHP
HSAs (Health Savings Accounts) are frequently used with HDHPs (high deductible health plans).
Sally is a self-
employed software programmer that works from home. If she becomes unable to work due to a disabilit
y, which type of policy would pay her rent? - correct answer-Individual disability income policy
She is self-employed, an individual disability income policy would cover her.
What approach calculates the amount of money a family needs immediately upon the death of the insur
ed to pay for their expenses and basic necessities? - correct answer-Needs
The needs approach calculates the amount of money a family needs immediately upon the death of the i
nsured to pay for their expenses and basic necessities.
A decreasing term life policy would be the most appropriate for: - correct answer-
A 41 year old lawyer who wants a policy to pay his mortgage if he dies.
A decreasing term life policy would be the most appropriate for a 41 yr old lawyer who wants a policy
to pay his mortgage if he does.
, Which of the following must happen before an HIV test is performed on an applicant? - correct answer-
A consent form must be signed by the applicant prior to the test.
The applicant must consent to the test and sign a consent form before the test is performed.
An agent's appointment remains in force: - correct answer-Until terminated or surrendered
An appointment remains in force until the insurer terminates the appointment or the agent surrenders th
eir appointment.
What type of insurer is formed under the laws of anyplace outside of the United States? -
correct answer-Alien
An alien insurer is one formed under the laws of any place outside the United States.
How many continuing education credit hours must Texas agents complete during each license period? -
correct answer-24
Agents must complete 24 hours of continuing education during every licensing period (every 2 years).
Cindy has a new medical plan that provides both health care services and health care insurance. She is c
overed by: - correct answer-An HMO (Health Maintenance Organization)
She is covered under an HMO.
According to the Physical Examination and Autopsy provision, who is responsible for paying the cost o
f examining the insured? - correct answer-The insurer
Where not prohibited by law, the insurer may request that a physical examination or autopsy of the insu
red be performed while a claim is pending. The cost of such procedure is the insurer's responsibility.
Samsonx hasx ax policyx thatx allowsx thex insurerx tox cancelx thex policyx atx anyx datex specifiedx inx thex contract,
x an
dx tox raisex hisx premiums.x Whichx typex ofx policyx isx it?x -x correctx answer-OptionallyxRenewable
