Free Texas Life & Health Insurance Practice Exam 2026

Texas life and health insurance exam sample questions and answers

6 of the 130 practice questions, one from each topic, with the answer explained.

1. 1. An agent did not give the annuity buyer's guide and disclosure document by the time of application. The free look period must then be at least:

   • A.30 days
   • B.15 days
   • C.7 days
   • D.10 days

   Answer: B. If the buyer's guide and disclosure document are not provided at or before application, the contract must allow at least 15 calendar days to return it without penalty, starting when the consumer receives it. It runs at the same time as any other free look period.

2. 2. No premium was paid with an application. The policy is issued on May 1 and delivered on May 10, when the producer collects the premium. Coverage begins:

   • A.On the application date
   • B.On the medical exam date
   • C.May 1
   • D.May 10

   Answer: D. With no premium at application, coverage starts only when the policy is delivered, the first premium is paid and a statement of good health is signed, which all happened on May 10. Issuing the policy on May 1 does not start coverage because the insurer had not yet received the premium.

3. 3. A Texas insurer tests all applicants in a class for HIV. Before it may decline an applicant on the result, it must have:

   • A.2 ELISAs plus a Western Blot
   • B.One positive ELISA screen
   • C.Two ELISAs, no confirmation
   • D.A positive saliva screen

   Answer: A. HIV testing is not unfair discrimination if it is applied to everyone in the class, and no one may be declined or rated substandard unless two positive ELISA tests are confirmed by a Western Blot. Sexual orientation may not be used in underwriting.

4. 4. An individual accident and health policy delivered in Texas must let the buyer return it for a full refund within:

   • A.15 days of delivery
   • B.20 days of delivery
   • C.10 days of delivery
   • D.30 days of delivery

   Answer: C. An individual accident and health policy must state that the buyer may return it within 10 days of delivery for a refund of premium, and the returned policy is void from issue. Single premium nonrenewable policies are exempt.

5. 5. Under the Texas small employer health law, a small employer is one that employed an average of:

   • A.10 to 500 employees
   • B.1 to 25 employees
   • C.2 to 50 employees
   • D.2 to 100 employees

   Answer: C. A small employer averaged at least 2 but not more than 50 employees in the preceding calendar year and has at least 2 on the first day of the plan year. Coverage generally requires 75 percent participation of eligible employees.

6. 6. A widow, 38, has a son who just turned 16. Her own Social Security survivor benefits stop until she reaches age 60. This gap is called the:

   • A.Blackout period
   • B.Probationary period
   • C.Elimination period
   • D.Waiting period

   Answer: A. A surviving parent's benefits end when the youngest child turns 16 and do not resume until the survivor reaches 60, a gap called the blackout period. An elimination period is the waiting time before disability income benefits begin.