Free Texas Accident & Health Insurance Practice Exam 2
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 225 Questions
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Health InsuranceMedicare & Medicaid
An insurer is marketing a new Medicare Advantage plan. The marketing materials must be approved by whom before they can be used?
Health InsuranceGroup Plans
What is a self-funded or self-insured health plan?
TX Insurance Law & EthicsTexas Insurance Code & Unfair Practices
What is 'rebating' in the context of Texas insurance law?
Health InsuranceMedicare & Medicaid
Who is eligible for Texas Medicaid?
Health InsuranceHSAs HRAs and FSAs
Which of the following accounts is portable and stays with the employee when they change employers?
Health InsuranceTypes of Policies
An insured has a health plan with a $2,000 deductible and 80/20 coinsurance. If the insured has a covered medical bill of $12,000, how much will the INSURER pay?
TX Insurance Law & EthicsLicensing & Conduct
What is the minimum age requirement to obtain an insurance agent license in Texas?
TX Insurance Law & EthicsPolicy Replacement & Disclosure
In Texas, what happens to the contestability period when a life insurance policy is replaced?
General InsuranceContracts & Terminology
A void contract is one that:
Health InsuranceGroup Plans
The Health Insurance Portability and Accountability Act (HIPAA) provides portability for group health plans. This means it:
Health InsuranceMedicare & Medicaid
In Texas, what protections exist for Medigap policyholders who want to switch plans?
Health InsuranceManaged Care
Which type of managed care plan allows members to see any provider within the network without a referral and reimburses providers on a discounted fee-for-service basis?
Health InsuranceHSAs HRAs and FSAs
An Archer Medical Savings Account (MSA) was designed primarily for:
Health InsuranceDisability Insurance
The 'own occupation' definition of total disability means the insured is unable to perform:
Health InsuranceGroup Plans
In group insurance, who is responsible for paying the policy premiums to the insurer?
General InsuranceBasic Principles
Risk sharing is best described as:
General InsuranceInsurance Marketplace
The McCarran-Ferguson Act of 1945 established that:
Health InsuranceGroup Plans
What is the 'Small Business Health Options Program' (SHOP)?
TX Insurance Law & EthicsSenior & Specialty Protections
The Texas Partnership for Long-Term Care program allows individuals who purchase qualifying long-term care policies to:
Health InsuranceGroup Plans
An employee has coverage through their employer and is also covered as a dependent under their spouse's plan. If the employee files a claim, which plan is primary?
Health InsuranceTypes of Policies
The mandatory 'Time Limit on Certain Defenses' provision (similar to the incontestability clause in life insurance) states that after a policy has been in force for how many years the insurer cannot void it for misstatements in the application?
TX Insurance Law & EthicsPolicy Replacement & Disclosure
When replacing an existing life insurance policy in Texas, the agent must provide the policyholder with:
General InsuranceUnderwriting & Policy Issuance
If an insurer requests an HIV test from an applicant, who is responsible for the cost?
Health InsuranceLong-Term Care Insurance
What is the role of an agent in the event of an unintentional LTC policy lapse due to cognitive impairment?
General InsuranceBasic Principles