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.
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Test 125 Questions
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General InsuranceUnderwriting & Policy Issuance
Constructive delivery of a life insurance policy occurs when:
Health InsuranceMedicare & Medicaid
What is another name for Medicare Part C?
Health InsuranceTypes of Policies
Which of the following health plans combines features of an HMO and a PPO?
Health InsuranceMedicare & Medicaid
For a dual eligible, Medicaid will often pay for what Medicare cost?
Health InsuranceHSAs HRAs and FSAs
Which of the following would disqualify an individual from contributing to a Health Savings Account (HSA)?
Health InsuranceDisability Insurance
The provision that addresses a disability that reappears after the insured has returned to work is the:
General InsuranceUnderwriting & Policy Issuance
A 'binding receipt' provides:
General InsuranceInsurance Marketplace
In a Lloyd's association, the risk is assumed by:
General InsuranceContracts & Terminology
Life insurance is considered a personal contract, which means:
Health InsuranceManaged Care
A Texas HMO member needs to see a dermatologist but has not obtained a referral from their PCP. The member decides to visit an out-of-network dermatologist. In this scenario, the HMO will most likely:
TX Insurance Law & EthicsSenior & Specialty Protections
In Texas, what specific protections exist for seniors purchasing annuity products?
Health InsuranceDisability Insurance
What is partial disability?
Health InsuranceLong-Term Care Insurance
Which of the following are considered Activities of Daily Living (ADLs)?
TX Insurance Law & EthicsPolicy Replacement & Disclosure
Under Texas law, which of the following must be disclosed to an applicant during a life insurance transaction?
Health InsuranceMedicare & Medicaid
What does it mean if a person is 'dual eligible'?
TX Insurance Law & EthicsTX Guaranty Act & Consumer Protection
A Texas consumer who has a complaint against an insurance company or agent should first contact:
Health InsuranceLong-Term Care Insurance
All LTC policies sold in Texas must be at least:
Health InsuranceTypes of Policies
Which of the following is a key feature of a Health Savings Account (HSA)?
Health InsuranceMedicare & Medicaid
A Medicare SELECT plan is a type of:
Health InsuranceHSAs HRAs and FSAs
An employee has both a limited-purpose FSA and an HSA. The limited-purpose FSA may only be used for which of the following expenses, while preserving HSA eligibility?
Health InsuranceDisability Insurance
Short-Term Disability (STD) insurance typically provides benefits for a period of:
General InsuranceBasic Principles
A morale hazard arises from:
TX Insurance Law & EthicsLicensing & Conduct
A Texas insurance agent's fiduciary duty includes all of the following EXCEPT:
Health InsuranceTypes of Policies
The ACA requires most health plans to cover a set of 'Essential Health Benefits' (EHBs). Which of the following is NOT typically considered an EHB?
TX Insurance Law & EthicsTX Guaranty Act & Consumer Protection