Free Texas Accident & Health Insurance Practice Exam 3
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 325 Questions
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TX Insurance Law & EthicsSenior & Specialty Protections
Under Texas law, an agent selling long-term care insurance must complete how many hours of initial training?
Health InsuranceTypes of Policies
What is 'utilization review' in a managed care plan?
Health InsuranceGroup Plans
In a group plan, experience rating is based on:
Health InsuranceMedicare & Medicaid
A Medicare SELECT plan is a type of:
General InsuranceBasic Principles
The tendency for higher-risk individuals to seek out or continue insurance coverage more than lower-risk individuals is known as:
Health InsuranceGroup Plans
Who receives a certificate of insurance as proof of coverage in a group plan?
Health InsuranceTypes of Policies
The mandatory 'Notice of Claim' provision requires an insured to provide written notice to the insurer within how many days after a covered loss begins?
Health InsuranceTypes of Policies
An individual health insurance policy that the insurer cannot cancel and cannot increase the premium on is classified as:
General InsuranceBasic Principles
A physical hazard is best described as:
Health InsuranceMedicare & Medicaid
If a person has group health coverage through their employer after age 65, when should they enroll in Medicare Part B?
TX Insurance Law & EthicsSenior & Specialty Protections
Which of the following is TRUE regarding Medicare Supplement insurance sold in Texas?
Health InsuranceMedicare & Medicaid
What is the general enrollment period for Medicare Part B?
Health InsuranceLong-Term Care Insurance
A 'nonforfeiture benefit' in an LTC policy ensures that:
TX Insurance Law & EthicsTX Guaranty Act & Consumer Protection
Which of the following is a primary function of the Texas Department of Insurance?
Health InsuranceACA / PPACA
Which of the following is TRUE about the health insurance marketplace used in Texas?
General InsuranceInsurance Marketplace
Which type of insurer is organized to provide insurance benefits to members of a specific religious or social organization?
Health InsuranceDisability Insurance
What is residual disability?
TX Insurance Law & EthicsPolicy Replacement & Disclosure
The free-look period for Medicare Supplement policies in Texas is:
Health InsuranceLong-Term Care Insurance
Adult day care is a covered benefit under most LTC policies. It provides:
General InsuranceInsurance Marketplace
Which of the following distribution systems uses agents who represent only one insurance company?
TX Insurance Law & EthicsSenior & Specialty Protections
In Texas, an annuity sold to a person age 65 or older must include:
General InsuranceUnderwriting & Policy Issuance
When does insurable interest need to exist for a life insurance policy in Texas?
Health InsuranceGroup Plans
Under the ACA, employers with 50 or more full-time equivalent employees are subject to the employer mandate. This means they must:
Health InsuranceACA / PPACA
What is the Medical Loss Ratio (MLR) requirement for large group health insurance plans under the ACA?
Health InsuranceTypes of Policies