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Texas Life and Health Insurance Exam Questions on the Law

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What is the minimum age for an individual agent license under Texas Insurance Code section 4001.105?

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Unofficial practice questions, not affiliated with the Texas Department of Insurance. Bank checked October 4, 2026.

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Agent licensing and continuing education 28

  • A person holds a Texas agent license but no insurer has appointed him. Under section 4001.201, may he engage in business as an agent? Tex. Ins. Code Sec. 4001.201
  • A resident Texas agent sells annuities. How many hours of annuity-specific continuing education does section 4004.202 require in the two-year licensing period? Tex. Ins. Code Sec. 4004.202(b)
  • A Texas agent license has been expired for 6 months. What does section 4003.007 allow? Tex. Ins. Code Sec. 4003.007(b)
  • A Texas agent license has been expired for 60 days. Besides the renewal fee, what does section 4003.007 charge to renew it? Tex. Ins. Code Sec. 4003.007(a)
  • A Texas agent license was revoked under Chapter 4005. When may the individual next apply for an agent license? Tex. Ins. Code Sec. 4005.105(b)
  • A Texas agent missed the continuing education requirement. Under section 4004.055, by when must it be completed for the department to renew the license? Tex. Ins. Code Sec. 4004.055(a)
  • A Texas agent sells Medicare-related products. How many hours of continuing education on those products does section 4004.253 require in the two-year licensing period? Tex. Ins. Code Sec. 4004.253(b)
  • A Texas individual agent license was issued in an even-numbered year. Leaving aside the exceptions in section 4003.001, when does it expire? Tex. Ins. Code Sec. 4003.001(a)
  • A Texas temporary license holder sells a policy to her own employer. What does section 4001.157 say about the commission? Tex. Ins. Code Sec. 4001.157
  • An insurer ends a Texas agent's appointment for cause. What does section 4001.206 require? Tex. Ins. Code Sec. 4001.206
  • An insurer has just appointed a licensed Texas agent and sent notice to the department. Under section 4001.204, when may the agent start acting for that insurer? Tex. Ins. Code Sec. 4001.204
  • Besides a new mailing address and a felony conviction, what must an individual Texas agent report to the department under section 4001.252? Tex. Ins. Code Sec. 4001.252(a)
  • For how long is a Texas temporary agent license valid after it is issued? Tex. Ins. Code Sec. 4001.155
  • How long does an agent's appointment by an insurer last under Texas section 4001.203? Tex. Ins. Code Sec. 4001.203
  • How many continuing education hours must the holder of a Texas general life, accident, and health license complete during the license period? Tex. Ins. Code Sec. 4004.053(a)
  • How many hours of ethics must a Texas agent complete in each license renewal period under section 4004.054? Tex. Ins. Code Sec. 4004.054
  • How many hours of training must the appointing agent or insurer give an applicant for a Texas temporary license? Tex. Ins. Code Sec. 4001.160
  • How many temporary license holders may one agent, insurer or health maintenance organization appoint in a calendar year under Texas section 4001.162? Tex. Ins. Code Sec. 4001.162
  • How much continuing education does section 4004.053 require of a Texas limited life, accident, and health license holder? Tex. Ins. Code Sec. 4004.053(b)
  • How must a Texas agent keep insurance records, including customer complaint records, under section 4001.255? Tex. Ins. Code Sec. 4001.255
  • How often must an individual Texas agent notify the department of a change of mailing address under section 4001.252? Tex. Ins. Code Sec. 4001.252(a)
  • Of the training for a Texas temporary license applicant, how much must be taught in a classroom setting? Tex. Ins. Code Sec. 4001.160(b)
  • Under Texas Insurance Code section 4001.105, how recently must an individual have passed the licensing examination to be issued an agent license? Tex. Ins. Code Sec. 4001.105
  • Under Texas section 4005.053, when may an agent pay a commission to another person for services performed as an agent in the state? Tex. Ins. Code Sec. 4005.053(a)
  • Under Texas section 4005.153, how is an agent punished for converting to personal use premium money received as an agent? Tex. Ins. Code Sec. 4005.153(b)
  • What grade of offense is it under Texas section 4005.151 to act as an agent after the agent license has been suspended or revoked? Tex. Ins. Code Sec. 4005.151
  • What is the minimum age for an individual agent license under Texas Insurance Code section 4001.105? Tex. Ins. Code Sec. 4001.105
  • What share of a Texas agent's required continuing education hours must be completed in a classroom or classroom equivalent setting? Tex. Ins. Code Sec. 4004.051(c)

Life policy provisions 23

  • A Texas life policy states no interest rate for proceeds. What rate applies under section 1103.104? Tex. Ins. Code Sec. 1103.104(c)
  • A worker covered by a Texas group life policy leaves the job. By when must the worker apply for an individual policy and pay the first premium under section 1131.110? Tex. Ins. Code Sec. 1131.110(b)
  • After a Texas life insurance policy has been in force for how long during the insured's lifetime is it incontestable, except for nonpayment of premiums? Tex. Ins. Code Sec. 1101.006(a)
  • An insured under a Texas life policy dies during the grace period with a premium unpaid. What may the policy provide under section 1101.005? Tex. Ins. Code Sec. 1101.005(a)
  • For how long must premiums have been paid before a Texas life policy must offer a policy loan under section 1101.009? Tex. Ins. Code Sec. 1101.009(b)
  • From what age may a minor without a guardian of the estate contract for life insurance or an annuity under Texas section 1104.003? Tex. Ins. Code Sec. 1104.003(a)
  • How long a grace period must a Texas group life insurance policy give for a premium other than the first? Tex. Ins. Code Sec. 1131.103(a)
  • How long a grace period must a Texas life insurance policy give for each premium after the first? Tex. Ins. Code Sec. 1101.005(a)
  • How soon must a Texas life insurance policy promise settlement after the company receives proof of death and of the claimant's right to the proceeds? Tex. Ins. Code Sec. 1101.011(a)
  • Under Texas section 705.051, when does a misrepresentation in a life, accident or health application defeat recovery under the policy? Tex. Ins. Code Sec. 705.051
  • Under Texas section 1101.006, on what ground may a life policy provide that it can be contested at any time? Tex. Ins. Code Sec. 1101.006(b)
  • Under Texas section 1103.053, when does a properly designated beneficiary of a life policy have an insurable interest in the insured's life? Tex. Ins. Code Sec. 1103.053(a)
  • Under Texas section 1103.104, until what date does interest on life insurance proceeds accrue? Tex. Ins. Code Sec. 1103.104(a)
  • Under Texas section 1103.151, what happens to the interest of a beneficiary who is a principal or accomplice in wilfully bringing about the insured's death? Tex. Ins. Code Sec. 1103.151
  • What is the shortest period to which a Texas life insurance policy may limit the time to bring an action on the policy? Tex. Ins. Code Sec. 1101.053
  • What makes up the entire contract between the parties to a Texas life insurance policy under section 1101.003? Tex. Ins. Code Sec. 1101.003
  • What may the insurer ask about health when a person converts Texas group life coverage to an individual policy under section 1131.110? Tex. Ins. Code Sec. 1131.110(c)
  • What must a Texas life insurance policy provide under section 1101.010? Tex. Ins. Code Sec. 1101.010
  • What must a Texas life insurance policy say about when premiums are payable, under section 1101.004? Tex. Ins. Code Sec. 1101.004
  • What secures a policy loan made under a Texas life insurance policy, according to section 1101.009? Tex. Ins. Code Sec. 1101.009(c)
  • Which kind of individual policy may NOT be chosen on converting Texas group life coverage under section 1131.110? Tex. Ins. Code Sec. 1131.110(d)
  • Which policy does Texas section 1101.009 excuse from the policy loan provision? Tex. Ins. Code Sec. 1101.009(a)
  • Within what time after a default in premiums may a Texas life policy covered by section 1101.156 be reinstated? Tex. Ins. Code Sec. 1101.156

Replacement and annuity sales 17

  • A Texas agent tells an applicant to answer "no" to the replacement question so the existing insurer is not notified. How does section 1114.101 treat this? Tex. Ins. Code Sec. 1114.101(a)
  • A Texas applicant has an existing life policy. By when must the agent present and read the notice regarding replacements under section 1114.051? Tex. Ins. Code Sec. 1114.051(c)
  • A Texas purchaser rescinds a variable annuity within the period in section 1116.002. What is refunded? Tex. Ins. Code Sec. 1116.002(b)
  • A Texas temporary license holder wants to write an annuity that would replace the buyer's existing individual annuity. What does section 4001.158 say? Tex. Ins. Code Sec. 4001.158
  • For how long after delivery may the purchaser of a Texas fixed annuity rescind the contract under section 1116.002? Tex. Ins. Code Sec. 1116.002(a)
  • How long must records of an annuity recommendation be kept under Texas section 1115.055? Tex. Ins. Code Sec. 1115.055(a)
  • How soon must a replacing insurer notify the existing insurer of a proposed replacement under Texas section 1114.053? Tex. Ins. Code Sec. 1114.053(c)
  • On a replacement in Texas, how long does section 1114.053 give the owner to return the new policy or contract for a full refund? Tex. Ins. Code Sec. 1114.053(e)
  • Under Texas section 1114.051, what must an agent who starts a life insurance or annuity application send the insurer with it? Tex. Ins. Code Sec. 1114.051(a)
  • Under Texas section 1115.0521, which of these may an agent NOT try to talk an annuity consumer out of? Tex. Ins. Code Sec. 1115.0521
  • Until when must a Texas replacing insurer be able to produce copies of the replacement notification, under section 1114.053? Tex. Ins. Code Sec. 1114.053(d)
  • What must a Texas insurer give each of its agents about replacements under section 1114.052? Tex. Ins. Code Sec. 1114.052(b)
  • What standard does Texas section 1115.051 set for an agent who recommends an annuity? Tex. Ins. Code Sec. 1115.051(a)
  • What training must a Texas agent complete before selling annuity products, under section 1115.056? Tex. Ins. Code Sec. 1115.056(b)
  • When must the Texas commissioner reduce or eliminate a sanction for a violation of the annuity suitability chapter? Tex. Ins. Code Sec. 1115.102(b)
  • Which four obligations, if met, mean a Texas agent has acted in the consumer's best interest under section 1115.051? Tex. Ins. Code Sec. 1115.051(b)
  • Which record must a Texas insurer be able to produce for each agent under the monitoring rule of section 1114.052? Tex. Ins. Code Sec. 1114.052(d)

Accident and health provisions 19

  • A child covered under a Texas accident and health policy reaches the limiting age but cannot support himself because of a disability. By when must proof of incapacity and dependency be given under section 1201.059? Tex. Ins. Code Sec. 1201.059(b)
  • A Texas accident and health policy has premiums due every three months. What is the shortest grace period section 1201.209 allows? Tex. Ins. Code Sec. 1201.209(b)
  • A Texas insured pays a late renewal premium, and the insurer accepts it without asking for a reinstatement application. What is the effect under section 1201.210? Tex. Ins. Code Sec. 1201.210(a)
  • A Texas insurer does not send claim forms before the 16th day after notice of a claim. What does the provision in section 1201.212 let the claimant do? Tex. Ins. Code Sec. 1201.212(a)
  • After the second anniversary of a disabled child's reaching the limiting age, how often may a Texas insurer ask for proof of incapacity under section 1201.059? Tex. Ins. Code Sec. 1201.059(b)
  • After the second anniversary of a Texas accident and health policy, which misstatement in the application can still be used to void it under section 1201.208? Tex. Ins. Code Sec. 1201.208
  • At whose option is a Texas individual hospital, medical or surgical policy renewed under section 1202.051? Tex. Ins. Code Sec. 1202.051(b)
  • By when may the holder of a new Texas individual accident and health policy return it for a refund of the premium paid, under section 1201.058? Tex. Ins. Code Sec. 1201.058(a)
  • For a loss other than one with periodic payments, by when must written proof of loss reach the insurer under Texas section 1201.213? Tex. Ins. Code Sec. 1201.213
  • Under Texas section 1201.061, from what point is a child being adopted treated as the insured's child for accident and health coverage? Tex. Ins. Code Sec. 1201.061(b)
  • Under Texas section 1201.065, from what age may an accident and health policy use maximum age or school enrollment rules for a child's continued eligibility? Tex. Ins. Code Sec. 1201.065(a)
  • Under Texas section 1201.217, a suit on an accident and health policy is too late once how much time has passed since written proof of loss was due? Tex. Ins. Code Sec. 1201.217
  • Under the legal actions provision in Texas section 1201.217, what is the earliest a suit may be brought on an accident and health policy? Tex. Ins. Code Sec. 1201.217
  • Under the notice of claim provision in Texas section 1201.211, by when must written notice of claim be given to the insurer? Tex. Ins. Code Sec. 1201.211(a)
  • What is the shortest grace period for a weekly premium accident and health policy under Texas section 1201.209? Tex. Ins. Code Sec. 1201.209(b)
  • When must benefits other than periodic payments be paid under the time of payment provision in Texas section 1201.214? Tex. Ins. Code Sec. 1201.214(a)
  • Which is a ground on which a Texas insurer may decline to renew an individual health insurance policy under section 1202.051? Tex. Ins. Code Sec. 1202.051(c)
  • Who must approve a change to a Texas individual accident and health policy for it to be valid, under the provision in section 1201.207? Tex. Ins. Code Sec. 1201.207
  • Who pays when a Texas accident and health insurer has the insured examined while a claim is pending, under section 1201.216? Tex. Ins. Code Sec. 1201.216

Unfair practices and penalties 12

  • A Texas court finds a violation of a cease and desist order wilful. What is the most the civil penalty may be under section 541.111? Tex. Ins. Code Sec. 541.111(b)
  • In a civil penalty suit under Texas section 541.111, what is the most a court may set for a violation it does not find wilful? Tex. Ins. Code Sec. 541.111(b)
  • Texas section 544.002 bars refusing to insure a person because of which of these? Tex. Ins. Code Sec. 544.002(a)
  • Under Texas section 541.054, boycott, coercion or intimidation is an unfair practice when it results in or tends to result in what? Tex. Ins. Code Sec. 541.054
  • Under Texas section 541.061, which of these counts as misrepresenting an insurance policy? Tex. Ins. Code Sec. 541.061
  • What does Texas section 541.053 call a false statement that is derogatory to an insurer's financial condition and calculated to injure a person in the insurance business? Tex. Ins. Code Sec. 541.053
  • What is the cap on administrative penalties for all violations of one cease and desist order under Texas section 541.110? Tex. Ins. Code Sec. 541.110(c)
  • What is the most the Texas department may charge for each violation of a cease and desist order under section 541.110? Tex. Ins. Code Sec. 541.110(c)
  • What state of mind makes filing a false statement of an insurer's financial condition an unfair practice under Texas section 541.055? Tex. Ins. Code Sec. 541.055
  • When may a Texas insurer charge a different rate because of age without violating section 544.002? Tex. Ins. Code Sec. 544.003(b)
  • Which act does Texas section 541.051 list as a misrepresentation regarding a policy? Tex. Ins. Code Sec. 541.051
  • Which act is an unfair claim settlement practice under Texas section 541.060? Tex. Ins. Code Sec. 541.060

Guaranty association 13

  • Coverage by the Texas guaranty association, where available, depends on what, according to the disclaimer in section 463.114? Tex. Ins. Code Sec. 463.114(a)
  • How does Texas section 463.451 treat using the guaranty association's protection in the sale of insurance? Tex. Ins. Code Sec. 463.451(c)
  • Section 463.105 has the Texas guaranty association keep a life account, an annuity account and an accident, health and hospital services account. What is the fourth account? Tex. Ins. Code Sec. 463.105
  • Under whose immediate supervision does the Texas Life and Health Insurance Guaranty Association operate, according to section 463.051? Tex. Ins. Code Sec. 463.051
  • What do Class A assessments of the Texas Life and Health Insurance Guaranty Association pay for under section 463.152? Tex. Ins. Code Sec. 463.152(b)
  • What is the most the Texas guaranty association covers in life insurance death benefits on a single life under section 463.204? Tex. Ins. Code Sec. 463.204
  • What is the Texas guaranty association's limit for health benefit plans under section 463.204? Tex. Ins. Code Sec. 463.204
  • What is the Texas guaranty association's limit for health coverages that are not health benefit plans, disability income or long-term care insurance? Tex. Ins. Code Sec. 463.204
  • What is the Texas guaranty association's limit for net cash surrender or withdrawal value of life insurance on a single life under section 463.204? Tex. Ins. Code Sec. 463.204
  • What limit does Texas section 463.204 set for disability income and long-term care insurance covered by the guaranty association? Tex. Ins. Code Sec. 463.204
  • What limit does Texas section 463.204 set for unallocated annuity contract benefits with respect to a single contract owner? Tex. Ins. Code Sec. 463.204
  • What must the summary document of the Texas guaranty association warn a policy holder about under section 463.114? Tex. Ins. Code Sec. 463.114(a)
  • Why is an insurer a member of the Texas Life and Health Insurance Guaranty Association under section 463.052? Tex. Ins. Code Sec. 463.052

How it works

These unofficial Texas life and health insurance exam questions ask the law only: 112 free practice questions written from the Texas Insurance Code. Policy types, underwriting and textbook theory are left out.

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Texas life and health insurance exam practice test: what is here

Six groups: agent licensing and continuing education, life policy provisions the code requires, replacement and annuity sales, accident and health provisions, unfair practices and penalties, and the guaranty association. Missed questions collect in their own pile.

Using it as a Texas life insurance exam practice test

For a Texas life insurance practice test, set the topic filter to Life policy provisions, then to Replacement and annuity sales. Every answer shows its section of the Insurance Code.

  • Individual life grace period: at least one month (1101.005). Group life: 31 days (1131.103).
  • Health claim clocks: notice before the 21st day, proof of loss before the 91st (1201.211, 1201.213).
  • Annuity sellers: a one-time four-credit course (1115.056) and 8 annuity hours each two-year period (4004.202).

Questions and answers

Is this Texas life insurance practice exam free?

Yes. All 112 practice questions are free. They are unofficial, written from the Texas Insurance Code, and each answer shows the section it comes from.

How many questions are on the Texas life and health insurance exam?

This page does not say. No Insurance Code section read for this bank sets the exam's length, time limit or pass mark, so none is given here. The 25 questions drawn in exam mode are only a set size.

How many continuing education hours does a Texas life and health agent need?

24 hours in each license period for a general life, accident, and health license (Insurance Code 4004.053). At least 50 percent must be classroom or classroom equivalent (4004.051), and 3 hours of ethics are required each renewal period (4004.054).

Are these the real Texas insurance exam questions?

No. This site has never seen the state exam. The questions were written from the Texas Insurance Code, and the Texas Department of Insurance did not write or review them.

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