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TEXAS STATE EXAM LIFE AND HEALTH INSURANCE ACTUAL EXAM 2025 QUESTIONS AND DETAILED CORRECT ANSWERS (VERIFIED ANSWERS) | A+ GRADE GUARANTEED PASS$23.99
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TEXAS STATE EXAM LIFE AND HEALTH
INSURANCE ACTUAL EXAM 2025
QUESTIONS AND DETAILED CORRECT
ANSWERS (VERIFIED ANSWERS) | A+
GRADE GUARANTEED PASS
S and W are partners in a business. They both buy and
own policies on the other. 3 years later the business
dissolved. S and W are both married. They don't change
the beneficiaries on the policies. They no longer have
insurable interest on each other. 5 months late S dies,
who will receive the proceeds?
a) W
b) S's wife
c) W's wife
d) the partnership Correct Answer Answer: A
W
Which of these is a requirement for licensing in Texas?
a) U.S. citizen
b) high school diploma
c) must be honest, fair and in good standing
d) must be 17 years old Correct Answer Answer: C
Must be honest, fair and in good standing
If an applicant or insured discovers error in their credit
report, the fair credit reporting act requires the following to
correct the report?
,a) applicant/insured
b) producer
c) credit reporting agency
d) underwriter Correct Answer Answer: C
Credit reporting agency
AIDS testing requires all of these, EXCEPT?
a) gathering of data on positive results for studies
b) questions about HIV and AIDS are illegal
c) underwriting required testing
d) signed consent for testing Correct Answer Answer: A
Gathering of data on positive results for studies
Which of these would be a requirement for obtaining a
temporary license in Texas?
a) pass these written exam
b) 21 years old
c) be considered for appointment by an insurer
d) U.S. citizen Correct Answer Answer: C
Be considered for appointment by an insurer
A long term care policy will provide payment for which of
these?
a) pre-hospital doctor visit
b) home health
c) post hospital doctor visit
d) hospitalization Correct Answer Answer: B
Home health
How many hours of continuing education hours must be
ethics per renewal period?
,a) 24
b) 10
c) 12
d) 2 Correct Answer Answer: D
2
Which of these cannot request information about
fraudulent health claims?
a) local police
b) insured
c) district attorney
d) commissioner of insurance Correct Answer Answer: B
Insured
Dividends paid by stock insurers are paid to:
a) service providers
b) shareholders
c) policy holders
d) agencies Correct Answer Answer: B
Shareholders
The department of insurance does all the following except
?
a) computes reinsurance reserves
b) releases reinsurance reserves if needed
c) administers the worker's compensation system
d) ensures fair competition in the industry Correct Answer
Answer: B
Releases reinsurance reserves if needed
, How long after passing your exam must you apply for your
insurance license?
a) 6 months
b) 24 months
c) 18 months
d) 12 months Correct Answer Answer: D
12
According to the fair credit reporting act, when must an
applicant be informed of obtaining a credit report in the
underwriting of the policy?
a) at the time of application
b) at the time of policy issuance
c) at the time of policy delivery
d) at the time of underwriting Correct Answer Answer: A
At the time of application
Which of these cannot charge a fee for advice?
a) limited lines
b) counselor
c) managing general agent
d) financial planner Correct Answer Answer: A
Limited Lines
Which of the following designations allow a person to
obtain a Life and Health insurance license without testing?
a) certified public accountant
b) chartered life underwriter
c) chartered financial consultant
d) certified financial planner Correct Answer Answer: B
Chartered life underwriter
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