Free Texas Life & Annuities 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 Life & Annuities 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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General InsuranceContracts & Terminology
What does the term 'utmost good faith' imply?
AnnuitiesTypes & Payout Options
An annuity that begins making payments to the annuitant one payment interval after it is purchased is a(n):
Life InsuranceTypes of Policies
What is a primary characteristic of a Straight Life (or Continuous Premium) whole life policy?
Life InsuranceBeneficiaries
The person or entity designated to receive the death benefit of a life insurance policy is the:
TX Insurance Law & EthicsTexas Insurance Code & Unfair Practices
In Texas, the penalty for an agent engaging in fraudulent insurance acts may include:
Life InsurancePremiums & Taxes
How is the death benefit of a life insurance policy paid to a beneficiary generally treated for tax purposes?
Life InsuranceTypes of Policies
What is a 'jumping juvenile' policy?
AnnuitiesTypes & Payout Options
A client wants to fund an annuity with a single payment and start receiving income next month. What type of annuity should they purchase?
TX Insurance Law & EthicsSenior & Specialty Protections
The Texas suitability requirement for annuity sales requires the agent to consider all of the following EXCEPT:
Life InsuranceTypes of Policies
In a buy-sell agreement funded by life insurance, who is the beneficiary of the policy?
TX Insurance Law & EthicsLicensing & Conduct
How many hours of pre-licensing education are required for a General Lines Life, Accident, and Health license in Texas?
General InsuranceContracts & Terminology
What does a 'guaranteed renewable' provision ensure?
Life InsuranceGroup Life Insurance
Under federal COBRA provisions, group life insurance continuation is handled differently from group health insurance. Which statement is most accurate?
General InsuranceContracts & Terminology
The intentional failure to disclose a known, material fact on an insurance application is known as:
Life InsurancePremiums & Taxes
Under what circumstances are life insurance premiums paid by a business deductible as a business expense?
AnnuitiesTypes & Payout Options
Which type of annuity guarantees a fixed interest rate and provides a fixed, level income payment?
TX Insurance Law & EthicsLicensing & Conduct
An insurance agent in Texas who uses a DBA (doing business as) name must:
Life InsuranceBeneficiaries
A 'per stirpes' beneficiary designation means that if a beneficiary predeceases the insured:
Life InsuranceTypes of Policies
Industrial life insurance (also known as debit insurance) is characterized by:
Life InsuranceTypes of Policies
A split-dollar plan is an arrangement where:
Life InsuranceRiders & Provisions
In Texas, all life insurance policies must contain a provision specifying a grace period of at least:
Life InsurancePremiums & Taxes
For a settlement option, what part of the payment is taxable?
AnnuitiesTypes & Payout Options
What is a Qualified Longevity Annuity Contract (QLAC)?
General InsuranceContracts & Terminology
A void contract is one that:
TX Insurance Law & EthicsLicensing & Conduct