Life Agent exam topics

The life general-knowledge section and Texas rules tested on the Life Agent exam.

Showing 161 to 170 of 294 articles · Page 17 of 30

Guaranteed-Issue Life Insurance Waiting PeriodsGuaranteed-issue life insurance may accept applicants without health questions, but some policies limit the natural-death benefit during an initial gr…
Guaranteed Minimum Withdrawal Benefits on AnnuitiesA guaranteed minimum withdrawal benefit (GMWB) rider lets an annuity owner take withdrawals up to contract limits under stated conditions, even if inv…
Guaranteed Universal Life vs. Cash-Value Universal LifeGuaranteed universal life (GUL) generally emphasizes a contractually defined death benefit supported by a no-lapse guarantee when stated conditions ar…
HIPAA and Life Insurance ApplicationsHIPAA generally governs covered health plans, health care clearinghouses, and covered health care providers, not a life insurer acting only in its lif…
HIV Testing and Life Insurance UnderwritingTexas permits insurers to request or require an HIV-related test in insurance underwriting, subject to specific protections. Testing must follow nondi…
How Much Life Insurance Does a Single Parent Need?A single parent’s coverage target should address a child’s caregiving, housing, income, education, and transition needs if the parent dies. Estimate e…
How Much Life Insurance Does a Stay-at-Home Parent Need?A stay-at-home parent’s coverage need is based on the financial cost of replacing caregiving and household work, plus debts and other family needs, le…
How to Find a Missing Life Insurance Policy in TexasIn Texas, start with the NAIC Life Insurance Policy Locator for a deceased person, then review financial records, employer and agent contacts, and ins…
How a Universal Life No-Lapse Guarantee Can FailA universal life no-lapse guarantee can fail when the owner does not meet the policy’s required premium test or violates a rider condition. Late or in…
Human-Life-Value vs. Needs ApproachHuman-life-value estimates the present value of an insured's future economic contribution; the needs approach totals survivors' expected expenses and …