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.
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 225 Questions
1/25
0%
TX Insurance Law & EthicsSenior & Specialty Protections
An agent in Texas who uses misleading designations such as 'senior financial advisor' without proper credentials may be:
General InsuranceBasic Principles
The Law of Large Numbers helps an insurer to:
Health InsuranceDisability Insurance
What is a Business Overhead Expense (BOE) disability policy designed to cover?
Health InsuranceGroup Plans
When a group health plan is terminated, the insurer must provide:
Health InsuranceGroup Plans
For small groups, insurers typically use which rating method?
Health InsuranceACA / PPACA
Under the ACA employer mandate, coverage is considered 'affordable' if the employee's required contribution for self-only coverage does not exceed approximately what percentage of their household income?
Health InsuranceGroup Plans
Under federal COBRA, how long can a spouse and dependent children continue coverage if the covered employee dies or gets divorced?
TX Insurance Law & EthicsTX Guaranty Act & Consumer Protection
The maximum annuity benefit coverage provided by the Texas Life and Health Insurance Guaranty Association is:
Health InsuranceGroup Plans
Under COBRA, a qualified beneficiary who is disabled at the time of the qualifying event may extend their coverage from 18 months to:
Health InsuranceMedicare & Medicaid
What is the 'donut hole' or coverage gap in Medicare Part D?
General InsuranceContracts & Terminology
What legal principle prevents a party from re-asserting a right they have previously waived?
Health InsuranceTypes of Policies
What is the main difference between an HMO and a PPO?
Health InsuranceDisability Insurance
In an employer-paid (noncontributory) group disability plan, how are the benefits received by an employee treated for tax purposes?
Health InsuranceMedicare & Medicaid
Medicare Part A primarily provides coverage for:
General InsuranceInsurance Marketplace
A Managing General Agent (MGA) differs from a regular agent in that an MGA typically has the authority to:
Health InsuranceManaged Care
Under Texas insurance law, which of the following is a requirement for HMOs operating in Texas?
General InsuranceUnderwriting & Policy Issuance
What is the purpose of the Medical Information Bureau (MIB)?
General InsuranceContracts & Terminology
What does the term 'utmost good faith' imply?
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?
TX Insurance Law & EthicsLicensing & Conduct
Which of the following individuals is exempt from the Texas agent licensing requirement?
TX Insurance Law & EthicsTexas Insurance Code & Unfair Practices
An insurance company that engages in unfair claim settlement practices in Texas may be subject to penalties under which chapter of the Texas Insurance Code?
Health InsuranceACA / PPACA
An Applicable Large Employer fails to offer affordable, minimum value coverage to its full-time employees. Under the ACA employer mandate, what is the potential consequence?
TX Insurance Law & EthicsTexas Insurance Code & Unfair Practices
In Texas, the penalty for an agent engaging in fraudulent insurance acts may include:
Health InsuranceGroup Plans
How long does an individual have to elect COBRA coverage after receiving the election notice?
Health InsuranceMedicare & Medicaid