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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Health InsuranceMedicare & Medicaid
Texas Medicaid is the state's version of what federal program?
TX Insurance Law & EthicsPolicy Replacement & Disclosure
Under Texas insurance replacement rules, the replacing insurer must notify the existing insurer within:
Health InsuranceGroup Plans
The Health Insurance Portability and Accountability Act (HIPAA) provides portability for group health plans. This means it:
Health InsuranceMedicare & Medicaid
What is a 'formulary' in a Medicare Part D plan?
Health InsuranceTypes of Policies
The mandatory 'Time of Payment of Claims' provision requires the insurer to pay claims:
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:
General InsuranceContracts & Terminology
Which of the following is NOT a required element of a legal contract?
Health InsuranceHSAs HRAs and FSAs
An Archer Medical Savings Account (MSA) was designed primarily for:
Health InsuranceDisability Insurance
The period of time an insured must be disabled before disability income benefits begin to be paid is the:
TX Insurance Law & EthicsLicensing & Conduct
What happens to a Texas insurance agent's license if CE requirements are not met by the renewal date?
Health InsuranceGroup Plans
What is the eligibility period for group health insurance?
Health InsuranceTypes of Policies
A 'creditable coverage' letter is important because it:
Health InsuranceDisability Insurance
If an individual pays the premiums for their own disability income policy, how are the benefits received treated for tax purposes?
General InsuranceContracts & Terminology
An insurance contract is conditional, which means:
TX Insurance Law & EthicsTexas Insurance Code & Unfair Practices
Under the Texas Insurance Code, 'controlled business' refers to:
TX Insurance Law & EthicsTexas Insurance Code & Unfair Practices
In Texas, coercion in insurance transactions occurs when:
TX Insurance Law & EthicsPolicy Replacement & Disclosure
When replacing an existing life insurance policy in Texas, the agent must provide the policyholder with:
General InsuranceInsurance Marketplace
Under the doctrine of respondeat superior, when an authorized agent commits an error while acting within the scope of their authority, who is held liable?
Health InsuranceManaged Care
Which type of utilization review occurs before a medical service is provided, requiring approval from the managed care plan?
General InsuranceContracts & Terminology
The intentional failure to disclose a known, material fact on an insurance application is known as:
Health InsuranceManaged Care
When comparing HMO and PPO plans, which of the following statements is CORRECT?
General InsuranceContracts & Terminology
The part of the policy that outlines the duties and responsibilities of both the insurer and the insured is the:
Health InsuranceGroup Plans
An employer has 25 employees and offers a group health plan. An employee quits their job. What are their continuation rights?
Health InsuranceGroup Plans
What is the primary purpose of coordination of benefits (COB)?
Health InsuranceManaged Care