Free Texas Accident & Health Insurance Practice Exam 1
Prepare for your licensing exam with our realistic state-specific test questions, complete answers, and detailed rationales.
Exam Structure & Overview
Passing the Texas insurance exam is the ultimate step toward launching your career as a licensed professional. This practice test consists of 25 high-probability questions sampled to match the general composition of topics tested on the real state licensing examination.
Whether you are preparing for the Accident & Health lines or a combined license, practicing with mock questions helps cement concepts, improves time management, and reduces test-day anxiety.
Key Practice Focus Areas
- State Laws & Regulations: Specific rules, licensing duties, and consumer protections.
- Policy Provisions & Options: Standard contract clauses, riders, exclusions, and riders.
- General Principles: Underwriting basics, insurance concepts, and legal requirements.
Recommended Study PathTry this practice exam fully. Review each explanation carefully when an answer is submitted. If you feel ready to unlock the full comprehensive question database, visit the main state hub for deeper exam simulations.
Study Hub & Practice Test Navigation
Practice Tests
Life & Annuities:
Study Materials
General Navigation
Interactive Practice Area
Select answers below to receive immediate score feedback.
Test 125 Questions
1/25
0%
Health InsuranceTypes of Policies
A basic medical expense policy typically provides coverage for:
Health InsuranceHSAs HRAs and FSAs
Which of the following best describes the tax treatment of a Health Savings Account (HSA)?
General InsuranceContracts & Terminology
The voluntary relinquishment of a known legal right is called a:
Health InsuranceTypes of Policies
What is the main difference between an HMO and a PPO?
General InsuranceContracts & Terminology
A false statement of a material fact on an application is known as:
General InsuranceContracts & Terminology
A valued policy pays a fixed, predetermined amount in the event of a total loss, regardless of the actual value of the loss. Which type of insurance is typically a valued contract?
TX Insurance Law & EthicsLicensing & Conduct
How many hours of pre-licensing education are required for a General Lines Life, Accident, and Health license in Texas?
TX Insurance Law & EthicsTX Guaranty Act & Consumer Protection
Under Texas law, the grace period for a life insurance policy with monthly premium payments is:
General InsuranceContracts & Terminology
Because the insurer writes the policy and the insured has no say in its wording, an insurance policy is considered a(n):
TX Insurance Law & EthicsTexas Insurance Code & Unfair Practices
Under Texas law, an insurer that fails to promptly investigate a claim may be found to have committed:
Health InsuranceGroup Plans
Under federal COBRA, what is the maximum period an employee can continue coverage after termination of employment?
Health InsuranceTypes of Policies
The mandatory 'Physical Examination and Autopsy' provision gives the insurer the right to:
Health InsuranceGroup Plans
What happens to COBRA eligibility if a former employee becomes eligible for Medicare?
Health InsuranceACA / PPACA
Under the ACA dependent coverage provision up to what age must health plans allow adult children to remain on a parent's plan?
Health InsuranceMedicare & Medicaid
Medicare does NOT cover which of the following?
Health InsuranceDisability Insurance
Benefits from an individual (private) disability income policy are generally:
Health InsuranceGroup Plans
What is the eligibility period for group health insurance?
Health InsuranceMedicare & Medicaid
Medicare Part A primarily provides coverage for:
Health InsuranceLong-Term Care Insurance
To be eligible for a tax-qualified LTC policy, the chronic illness must be expected to last at least:
TX Insurance Law & EthicsTX Guaranty Act & Consumer Protection
Under the Texas Insurance Code, the Commissioner of Insurance is appointed by:
TX Insurance Law & EthicsSenior & Specialty Protections
In Texas, what specific protections exist for seniors purchasing annuity products?
Health InsuranceManaged Care
In a staff model HMO, physicians are:
Health InsuranceACA / PPACA
Under the Medical Loss Ratio (MLR) requirement, what percentage of premium revenue must individual and small group health insurers spend on medical claims and quality improvement?
Health InsuranceMedicare & Medicaid
Texas Medicaid is the state's version of what federal program?
General InsuranceContracts & Terminology