The Texas statutes and rules section is 30 of the 130 scored questions, and the one most course books cover last and thinnest. These ten are written to the current outline (Pearson VUE 124401), one per topic that keeps showing up. Pick an answer, then read why the others were tempting.
Scored questions per Texas-law section on the combined exam. The Life Agent exam uses only the first two: 20 and 10.
The commissioner's powers and duties, examinations of insurers, penalties and cease-and-desist orders, licensing rules, unfair trade practices, replacement.
All of the following are duties the Insurance Code assigns to the Texas Department of Insurance EXCEPT
Paying claims of an insolvent insurer is not a departmental duty; protecting policyholders against an impaired or insolvent member insurer is the purpose of the guaranty association under Sec. 463.002, while the department's own solvency tools are supervisory orders under Sec. 404.003.
At a minimum, how often must the Texas Department of Insurance examine a carrier authorized to engage in business in this state?
TIC Sec. 401.052(a) directs the department to visit and examine a carrier as frequently as it considers necessary but, at a minimum, not less frequently than once every five years.
All of the following are true of a Texas Department of Insurance examination report of an insurer EXCEPT
Under TIC Sec. 401.058(a), examination information is not subject to discovery or admissibility in evidence in a civil action, so a claim that a civil litigant may obtain it through discovery is false.
Illustrations and marketing, required and prohibited provisions in life policies, backdating, policy summaries under the replacement rules.
When an illustration is used in the sale of a life insurance policy in Texas, the insurer and its agents may not
An illustration may not use "vanish" or "vanishing premium" or similar terms implying the policy becomes paid up.
For a whole life policy, all of the following must appear in a policy summary as that term is defined in the Texas replacement chapter EXCEPT
The minimum contents of a policy summary are current death benefit, annual contract premium, current cash surrender value, current dividend, application of the dividend, and any outstanding loan; a rating from a rating agency is not among them.
To lower her premium, an applicant asks a Texas insurer to date her new whole life policy eight months before the date of her application so that she will be rated at a younger age. The insurer must
A policy may not be issued or take effect more than six months before the date of the original application if that causes the insured to be rated at a younger age; an eight-month backdate is forbidden.
All of the following are provisions the Texas Insurance Code requires in an individual life insurance policy EXCEPT
TIC §1101.008 requires that if age is understated, the amount payable is what the premium paid would have purchased at the correct age — the policy is adjusted, not voided, so a void-and-refund provision is not required.
Required provisions in health policies, Medicare supplement minimum standards, newborn and dependent coverage, chemical dependency.
A Texas Medicare supplement policy contains a preexisting condition provision. Which of the following is TRUE under Texas minimum standards for Medicare supplement policies?
TIC §1652.058 and 28 TAC §3.3306(b)(1)(A) provide that a Medicare supplement policy may not exclude benefits for losses incurred more than 6 months after the effective date because of a preexisting condition.
All of the following are prohibited in a Texas health benefit plan that provides maternity benefits or coverage for additional newborn children EXCEPT
An insurer may require that, before coverage continues beyond the initial period, the policyholder give notice of the birth and pay any additional premium (28 TAC §3.3403(e); TIC §1501.157), so this is a permitted condition.
The Texas HMO Act: evidence of coverage, filing and approval, enrollee rights.
Under the Texas HMO Act, the document issued to an enrollee that states the coverage to which the enrollee is entitled is called the
TIC §843.002 defines evidence of coverage as any certificate, agreement, or contract (including a blended contract) issued to an enrollee that states the coverage to which the enrollee is entitled.
30 scored questions out of 130, plus 5 unscored pretest questions mixed in. For the Life Agent (life-only) exam it is 30 of 80 scored, so Texas law is 37.5% of that score. Source: Pearson VUE content outline 124401, effective September 1, 2026.
Four areas: statutes and rules common to life and health (the commissioner's powers, licensing, unfair trade practices, replacement), rules for life insurance only (illustrations, required and prohibited policy provisions), rules for accident and health only (required provisions, Medicare supplement, newborn and dependent coverage), and HMO rules.
The outline cites the Texas Insurance Code (TIC) and Title 28 of the Texas Administrative Code (TAC) by section for every topic. Both are public; the outline is the map, and the explanations here name the section each answer rests on.
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