Mock paper #1

General Lines - Life, Accident and Health Agent (Texas)

A full paper drawn to the blueprint. Answers and worked explanations are at the back of this file.

Questions: 130
Time: 150minutes
Mark: - our target
Paper: #1of 5

Single-user licence. You may print this file and write on it. You may not redistribute, resell or post it. © Sitonce 2026.

Before you start

Sit this the way you will sit the real one. A mock done in pieces over three evenings measures your notes, not your recall.

Questions

130

Minutes

150

Per question

69s

Started at

Set a timer for 150 minutes and do not stop it. Running over is the commonest way a prepared candidate fails, and the only place you can find that out safely is here.
Mark one answer for each question on the answer sheet.
Answer every question. There is no penalty for a wrong answer. A blank is a guaranteed zero and a guess is not.
Flag anything you are unsure of as you go. When you mark the paper, a question you flagged and got right is worth as much of your attention as one you got wrong - you do not yet know it, you guessed it.
When the timer runs out, turn to the Answers section at the back of this file. Mark the paper against the quick-reference key first, fill in the score table, and only then read the worked explanations.

What this paper covers

Area	Questions	Share
V. Types of policies (accident and health)	16	12%
I. Types of policies (life)	15	12%
II. Policy riders, provisions, options and exclusions (life)	15	12%
VI. Policy provisions, clauses and riders (accident and health)	15	12%
TX-I. Texas statutes and rules common to life and health insurance	14	11%
III. Completing the application, underwriting and delivering the policy	12	9%
IV. Retirement and other insurance concepts	8	6%
IX. Field underwriting procedures	8	6%
TX-III. Texas statutes and rules pertinent to accident and health insurance only	7	5%
TX-II. Texas statutes and rules pertinent to life insurance only	6	5%
VII. Social insurance	6	5%
VIII. Other insurance concepts	5	4%
TX-IV. Texas statutes and rules pertinent to health maintenance organisations	3	2%
Total	130	100%

Answer sheet - paper #1

Circle one letter for each question.

1ABCD

2ABCD

3ABCD

4ABCD

5ABCD

6ABCD

7ABCD

8ABCD

9ABCD

10ABCD

11ABCD

12ABCD

13ABCD

14ABCD

15ABCD

16ABCD

17ABCD

18ABCD

19ABCD

20ABCD

21ABCD

22ABCD

23ABCD

24ABCD

25ABCD

26ABCD

27ABCD

28ABCD

29ABCD

30ABCD

31ABCD

32ABCD

33ABCD

34ABCD

35ABCD

36ABCD

37ABCD

38ABCD

39ABCD

40ABCD

41ABCD

42ABCD

43ABCD

44ABCD

45ABCD

46ABCD

47ABCD

48ABCD

49ABCD

50ABCD

51ABCD

52ABCD

53ABCD

54ABCD

55ABCD

56ABCD

57ABCD

58ABCD

59ABCD

60ABCD

61ABCD

62ABCD

63ABCD

64ABCD

65ABCD

66ABCD

67ABCD

68ABCD

69ABCD

70ABCD

71ABCD

72ABCD

73ABCD

74ABCD

75ABCD

76ABCD

77ABCD

78ABCD

79ABCD

80ABCD

81ABCD

82ABCD

83ABCD

84ABCD

85ABCD

86ABCD

87ABCD

88ABCD

89ABCD

90ABCD

91ABCD

92ABCD

93ABCD

94ABCD

95ABCD

96ABCD

97ABCD

98ABCD

99ABCD

100ABCD

101ABCD

102ABCD

103ABCD

104ABCD

105ABCD

106ABCD

107ABCD

108ABCD

109ABCD

110ABCD

111ABCD

112ABCD

113ABCD

114ABCD

115ABCD

116ABCD

117ABCD

118ABCD

119ABCD

120ABCD

121ABCD

122ABCD

123ABCD

124ABCD

125ABCD

126ABCD

127ABCD

128ABCD

129ABCD

130ABCD

Paper #1

130 questions. 150 minutes.

1

At what age can a surviving spouse who is not caring for an eligible child claim a survivor benefit?

AAge 65, or earlier only where the surviving spouse has dependent children at home
BAny age, since a survivor benefit follows the death of the worker rather than an age
CAge 60, or 50 if the surviving spouse is disabled
DAge 62, the earliest age for any benefit

2

What does adult day care provide?

ATemporary care that relieves a family caregiver for a period of days or weeks at a time
BRound the clock residential care in a licensed nursing facility for insureds who can no longer live safely alone
CSupervision, meals and activities at a community facility during the day, with the insured returning home
DSkilled nursing care delivered at home by licensed personnel during daytime hours only

3

An insured dies of a cause the policy excludes. Which provision decides whether the beneficiary receives anything at all?

AThe settlement options, which set out the minimum the insurer will pay
BThe wording of the exclusion itself, which sets out what it removes
CThe incontestable clause, which governs all denied claims
DThe nonforfeiture provision, which supplies a value for every terminated policy

Worked explanations

The paper carries one for every question, at the back. These are the three above.

Q1 C Ch. 7: VII. Social insurance

Answer: C - Age 60, or 50 if the surviving spouse is disabled

Because Sixty for a surviving spouse, fifty if that spouse is disabled. Holding this beside the caretaker benefit is what makes the blackout period visible: a surviving spouse who is neither caring for a young child nor yet 60 falls between the two. Social Security Act s. 202

Where the other options lead

A.Raising the age and confusing it with the benefit for a caretaker. A caretaker benefit exists at any age while a child under 16 is being cared for. The age based survivor benefit begins at 60.
B.Assuming the death alone opens the benefit. Death opens the class of survivor benefits, but each has its own conditions and this one has an age condition.
D.Applying the early retirement age to survivor benefits. Sixty two is the earliest retirement age. The survivor benefit for a widow or widower starts at 60.

Q2 C Ch. 5: V. Types of policies (accident and health)

Answer: C - Supervision, meals and activities at a community facility during the day, with the insured returning home

Because Adult day care keeps someone at home who could not safely be left alone all day, usually because a family member works. It is a setting rather than a level of care, and policies that cover it are covering supervision, meals and activity.

Where the other options lead

A.Confusing adult day care with respite care. Relieving the family caregiver for a stretch is respite care. Day care is a regular daytime service.
B.Confusing day care with residential care. Adult day care is specifically not residential. The insured goes home at the end of the day.
D.Confusing the setting with the level of care. Adult day care is a community setting offering supervision and social activity, not a home nursing service.

Q3 B Ch. 2: II. Policy riders, provisions, options and exclusions (life)

Answer: B - The wording of the exclusion itself, which sets out what it removes

Because The exclusion is drafted with its own remedy attached, and that remedy is what the beneficiary receives. Most say premiums are returned; some say premiums with interest; a few say nothing is payable. There is no general rule outside the wording.

Where the other options lead

A.Confusing how proceeds are paid with whether they are payable. Settlement options govern the form of payment. They do not create an entitlement.
C.Extending incontestability to questions about the cause of death. Incontestability limits challenges to the validity of the contract. A cause of death exclusion is a coverage question and is unaffected by it.
D.Reaching for a lapse provision to answer a claim question. Nonforfeiture provisions apply when premiums stop, not when a claim is excluded.

Worked explanations

The paper carries one for every question, at the back. These are the three above.

Q1 C Ch. 7: VII. Social insurance

Answer: C - Age 60, or 50 if the surviving spouse is disabled

Because Sixty for a surviving spouse, fifty if that spouse is disabled. Holding this beside the caretaker benefit is what makes the blackout period visible: a surviving spouse who is neither caring for a young child nor yet 60 falls between the two. Social Security Act s. 202

Where the other options lead

A.Raising the age and confusing it with the benefit for a caretaker. A caretaker benefit exists at any age while a child under 16 is being cared for. The age based survivor benefit begins at 60.
B.Assuming the death alone opens the benefit. Death opens the class of survivor benefits, but each has its own conditions and this one has an age condition.
D.Applying the early retirement age to survivor benefits. Sixty two is the earliest retirement age. The survivor benefit for a widow or widower starts at 60.

Q2 C Ch. 5: V. Types of policies (accident and health)

Answer: C - Supervision, meals and activities at a community facility during the day, with the insured returning home

Because Adult day care keeps someone at home who could not safely be left alone all day, usually because a family member works. It is a setting rather than a level of care, and policies that cover it are covering supervision, meals and activity.

Where the other options lead

A.Confusing adult day care with respite care. Relieving the family caregiver for a stretch is respite care. Day care is a regular daytime service.
B.Confusing day care with residential care. Adult day care is specifically not residential. The insured goes home at the end of the day.
D.Confusing the setting with the level of care. Adult day care is a community setting offering supervision and social activity, not a home nursing service.

Q3 B Ch. 2: II. Policy riders, provisions, options and exclusions (life)

Answer: B - The wording of the exclusion itself, which sets out what it removes

Because The exclusion is drafted with its own remedy attached, and that remedy is what the beneficiary receives. Most say premiums are returned; some say premiums with interest; a few say nothing is payable. There is no general rule outside the wording.

Where the other options lead

A.Confusing how proceeds are paid with whether they are payable. Settlement options govern the form of payment. They do not create an entitlement.
C.Extending incontestability to questions about the cause of death. Incontestability limits challenges to the validity of the contract. A cause of death exclusion is a coverage question and is unaffected by it.
D.Reaching for a lapse provision to answer a claim question. Nonforfeiture provisions apply when premiums stop, not when a claim is excluded.

The rest of this mock paper comes with the course

Texas Life and Health: the whole syllabus taught, the questions that test it, 5 timed mocks, and all 6 PDFs to print.