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Texas Life and Health: 6 Free Practice Questions

Updated 5 min read
Key takeaway

Answer 6 original Sitonce questions without an account, then check your score and read the explanations.

  • This small study sample helps you spot ideas to review.
  • It does not reproduce the full examination or predict a pass.
  • The separate full course provides lessons and further practice.

These are original Sitonce study questions, not official or recalled exam items. No account is needed to answer this public sample or read its explanations.

These examples are for Texas General Lines Life, Accident and Health. They are distinct from the narrower Texas Life Agent exam. The sample touches a few life, health and Texas-law concepts; it does not cover the full outline or predict an official scaled score.

Start the 6-question sample

Your 6-question practice sample

Choose one answer per question. You can change your choices before checking your score. A blank earns zero.

Question 1 of 6A whole life policy offers both extended term and reduced paid-up nonforfeiture options. Its policyowner stops paying premiums after building cash value. She wants to keep the original death benefit for as long as that value supports, with no further premiums. Which option fits?
Answer and explanation for question 1

Answer: A. Extended term uses the available cash value for temporary coverage with the same death benefit. Reduced paid-up instead provides a smaller permanent death benefit. Paid-up additions and accumulation at interest do not describe the stated extended-term nonforfeiture option. The question expressly assumes these options are available in the policy.

Western & Southern: extended term and reduced paid-up nonforfeiture options

Question 2 of 6For this general policy-concept question, use the definitions in NAIC Model 139. A disability-income policy issued to an insured aged 40 permits continuation to age 65 if premiums are paid on time. The insurer cannot unilaterally change its provisions, except that it may change premium rates by class. Which renewability term applies?
Answer and explanation for question 2

Answer: B. Guaranteed renewable permits class premium-rate changes while protecting the stated right to continue coverage. Noncancelable also protects the premium against unilateral change. Conditional and optional renewal do not provide the guarantee described. This item tests the model's terminology, not a Texas statutory definition.

NAIC Model 139, sections 1-2: renewability terminology · Pearson outline: Life and Health General Knowledge VI.D; scope only

Question 3 of 6A major medical plan has a $500 annual deductible and pays 70% of covered charges once the deductible has been met. Separately, the member pays a flat $50 for each office visit regardless of the deductible. What is the $50 called?
Answer and explanation for question 3

Answer: C. A copayment is a fixed payment for a specified covered service. The annual deductible and percentage coinsurance are different structures already described in the stem. No out-of-pocket maximum is given.

HealthCare.gov: copayment definition

Question 4 of 6A licensed and appointed Texas agent offers to pay an unlicensed applicant's first month's premium out of his own commission to persuade the applicant to buy a life policy. The inducement forms no part of the policy. What has the agent done?
Answer and explanation for question 4

Answer: D. Paying part of the premium as an inducement outside the policy is rebating under these facts. Texas Insurance Code 4005.053(c)(1) prohibits an agent from offering an unlicensed person a premium rebate or other inducement not specified in the policy for solicitation or negotiation. This is a premium payment, not the promotional-item exception. No existing-policy replacement or false statement is described.

Texas Insurance Code 4005.053(c)(1), (d) and 4005.101(b)(9): prohibited rebates, exception and discipline

Question 5 of 6A person holds a current Texas General Lines life, accident and health agent license. No insurer has appointed her. A friend asks her to place a life policy with a particular carrier. What does Texas require before she may act for that insurer?
Answer and explanation for question 5

Answer: A. Texas Insurance Code 4001.201 requires appointment by an authorized insurer before engaging in business as its agent. The license alone does not create an appointment. Appointment and notice to TDI are different: 4001.204 permits an appointed agent to act before TDI receives the notice required by 4001.202(b); that additional-appointment notice is due within 30 days after the appointment becomes effective. No separate license per insurer or guaranty-association approval substitutes for appointment.

Texas Insurance Code 4001.201, 4001.202(b) and 4001.204: appointment versus notice

Question 6 of 6A Texas resident has an eligible life-insurance claim under a covered policy issued by a member insurer of the Texas Life and Health Insurance Guaranty Association. The insurer becomes insolvent. Which body provides statutory protection, subject to coverage limits and exclusions?
Answer and explanation for question 6

Answer: B. The Texas Life and Health Insurance Guaranty Association provides statutory protection for eligible policyholders of impaired or insolvent member insurers, subject to coverage limits and exclusions. The regulator and Attorney General perform different functions.

Texas Insurance Code 463.052 and 463.201-463.203: membership, eligible persons, coverage and exclusions

Your topic scorecard

Correct answers out of the questions sampled in each topic; Items lists the question numbers
TopicItemsScore
Life concepts1? / 1
Health policy concepts2, 3? / 2
Texas law4, 5, 6? / 3
Total1-6? / 6

These examples are for Texas General Lines Life, Accident and Health. They are distinct from the narrower Texas Life Agent exam. The sample touches a few life, health and Texas-law concepts; it does not cover the full outline or predict an official scaled score. A perfect score only means you answered this small sample correctly. It does not establish exam readiness or predict a pass.

For each missed answer, write the controlling fact or rule in one sentence. Then work through an unfamiliar question on the same topic. Repeating this answer key from memory is not the same as learning the rule.

Continue with the full course

The public sample is a small part of your preparation. View the separate Texas Life and Health course for its lessons, practice and full mock options. Account and course-access requirements apply to those separate features.

Common questions

Do I need an account for these questions?

No. The questions and answer explanations are public. Automatic scoring is optional; without JavaScript you can use the answer explanations and manual scorecard.

Does this score predict whether I will pass?

No. This short sample is not weighted or calibrated to predict an official result. Use missed answers to choose what to review next.

Is the full course the same as this sample?

The full course is a separate learning experience with lessons, practice and mock options. Follow View course to see its access requirements and current offer.

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