Life Agent exam topics

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

Showing 71 to 80 of 294 articles · Page 8 of 30

Participating vs. Nonparticipating Whole LifeA participating whole life policy may pay dividends when the insurer’s experience supports them; a nonparticipating policy does not pay policy dividen…
Texas Life Agent License Discipline: Denial, Suspension, and RevocationTexas may deny an application or discipline a life-agent license holder for statutory grounds such as fraud, misappropriation, material misstatements,…
Accidental Death Benefit Rider: When It PaysAn accidental death benefit rider pays an additional amount when the insured dies under the accident conditions defined in the rider. It can increase …
Indeterminate-Premium Whole LifeIndeterminate-premium whole life is a nonparticipating permanent policy with a current premium that may change, subject to a guaranteed maximum stated…
Texas Insurance Trade Practices: Fraud, Rebating, Defamation, and CoercionTexas prohibits unfair or deceptive practices in the insurance business. For a life agent, common exam distinctions include misrepresenting policy ter…
Endowment Life Insurance: Maturity vs. Death BenefitAn endowment life policy promises a specified benefit if the insured dies during the covered term or survives to the policy’s maturity date, subject t…
Term Rider on a Permanent Life PolicyA term rider attaches temporary life insurance to a permanent policy, creating an additional death-benefit layer for a defined period or under stated …
Texas Life Insurance Illustration Rules: Guarantees and ProjectionsA Texas life insurance illustration is a presentation used in a sale that shows policy elements over time, including non-guaranteed values. It must fo…
Spouse and Child Life Insurance RidersA spouse or child life insurance rider adds coverage on another person to a policy covering the primary insured. These are often term benefits, but el…
Texas Life Policy Buyer’s Guide and Policy Summary: Which Document, When?A life insurance buyer’s guide gives consumers general information about policy choices, while a policy summary provides key facts about a specific po…