Question 1I.B · Universal, variable and indexed life
Universal life is often described as unbundled. What does this mean?
Get ready for the life and health insurance exam, one area at a time.
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The seven areas
145 questions in 150 minutes: 130 scored and 15 pretest, from the Texas General Lines - Life, Accident and Health content outline in effect from 1 September 2026. The first six areas are the national core; Texas law is the state pack. This is exam practice, not approved pre-licensing education.
Life policies and annuities
Whole, universal, variable and indexed life, term types and features, annuities and joint plans.
15 of 130 scored questions
Life riders, provisions and options
Riders, beneficiaries, grace and reinstatement, loans, nonforfeiture, dividends and settlement options.
15 of 130 scored questions
Applications, underwriting and contract law
The application, receipts, insurable interest, consumer reports, delivery and contract law.
20 of 130 scored questions
Retirement, taxes and social insurance
Group life, qualified plans, needs analysis, taxation, Social Security, Medicare and Medicaid.
14 of 130 scored questions
Health policies and plans
Disability income, AD&D, HMO, PPO, HSA, Medicare supplement, group coverage and long-term care.
16 of 130 scored questions
Health provisions and concepts
The uniform provisions, deductibles and coinsurance, renewability and coordination of benefits.
20 of 130 scored questions
Texas law
The Commissioner, licensing, unfair practices, Texas life and health rules and HMOs.
30 of 130 scored questions
Start with a free 16-minute diagnostic
15 questions across all seven areas, including Texas law, no account. You get your score in each area, a short lesson on the one to fix first, and a plan for the rest.
Free tools
Try one question from each area
Question 2II.B · Policy provisions and options
Femi names his wife as primary beneficiary and his sister as contingent beneficiary. His wife dies first, and Femi dies a year later without changing the designation. Who receives the proceeds?
Question 3III.B · Underwriting
A lender makes a $40,000 loan to Omari. On what basis does the lender have an insurable interest in Omari's life?
Question 4VII.A · Medicare
Which part of Medicare provides prescription drug coverage through private plans?
Question 5V.C · Medical expense plans
An HMO pays Dr. Sato a fixed amount each month for every member assigned to her, whether or not they visit. What is this payment method called?
Question 6VI.B · Other provisions and clauses
Sergei has already met his deductible this year. His plan pays 70 percent of covered expenses. He has a $2,400 covered bill. How much does he pay?
Question 7TX.I.B · Insurance definitions
Owners of a Texas insurance company meet as shareholders to elect its board of directors, and they vote their shares in person or by proxy. What kind of insurer is it?
In the course
- 21 interactive lessons
- 176 practice questions
- 2 full 145-question practice exams
Guides
Insurance Exam Genius Pro
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- 21 interactive lessons
- 176 practice questions
- 2 full 145-question practice exams
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