Pearson VUE Exam Prep + 50 Practice Questions

Instant PDF Download — $19.97

Preparing for the Texas General Lines — Life, Accident, Health & HMO Insurance License Exam?

Texas does not require mandatory pre-licensing education for this license.

That means your exam preparation matters even more.

The Texas Life, Accident, Health & HMO Insurance License Exam Study Guide gives you focused review of:

Life Insurance • Annuities • Health Insurance • Disability • Medicare • Long-Term Care • HMOs • Texas Insurance Law

Plus:

50 ORIGINAL PRACTICE QUESTIONS

weighted to reflect the guide’s exam framework:

70% General Insurance Knowledge

30% Texas-Specific Rules

50 Pages • Texas-Specific • Pearson VUE Prep • Statutory Quick References • Detailed Explanations

Built Specifically for the Texas General Lines Exam

This is not a generic Life & Health book with a few Texas facts added at the end.

The guide is built specifically for the:

Texas General Lines — Life, Accident, Health & HMO License

and covers the areas the uploaded guide identifies as part of the current exam framework:

Life Insurance

Health Insurance

Insurance Concepts

Texas Life Statutes

Texas Health Statutes

Texas HMO Rules

Texas Common Insurance Rules

The guide specifically warns that first-time candidates often underestimate the Texas-specific material, which makes up roughly 30% of the exam framework used in the guide.

No Pre-Licensing Course Required in Texas

One of the biggest advantages of pursuing this license in Texas:

NO MANDATORY PRE-LICENSING COURSE

According to the guide, Texas allows candidates to:

Self-study

→

Take the Pearson VUE exam

→

Apply for the license after passing

That makes this guide especially useful for candidates who want a structured self-study resource without first purchasing a large classroom course.

What’s Included for $19.97?

Your instant-download PDF includes:

✓ 50-page Texas exam-prep guide
✓ Updated for the December 2025 content outline
✓ Texas licensing overview
✓ Pearson VUE exam strategy
✓ Life insurance fundamentals
✓ Term, whole, universal & variable life
✓ Riders & policy provisions
✓ Beneficiaries & settlement options
✓ Nonforfeiture options
✓ Application & underwriting
✓ Policy delivery
✓ Replacement rules
✓ Annuities
✓ Taxation
✓ Retirement plans
✓ ERISA concepts
✓ Disability income insurance
✓ Major medical insurance
✓ AD&D
✓ Health policy provisions
✓ Renewability
✓ Long-Term Care
✓ Medicare
✓ Medicare Supplement
✓ Medicaid
✓ Social Security
✓ Texas TDI rules
✓ Texas Commissioner authority
✓ Texas licensing rules
✓ Unfair trade practices
✓ TLHIGA limits
✓ Replacement requirements
✓ Annuity senior protections
✓ Texas AIDS-testing rules
✓ Medicare Supplement rules
✓ Texas LTC requirements
✓ Small-group health rules
✓ HMO requirements
✓ 50 practice questions
✓ Detailed explanations
✓ Statutory citations
✓ Final review checklist

Understand the Texas Exam

The guide describes the exam as:

Texas General Lines — Life, Accident, Health & HMO

Administered by:

Pearson VUE

on behalf of the:

Texas Department of Insurance — TDI

The guide lists:

130 Scored Questions

plus approximately:

15 Unscored Pretest Questions

for roughly:

145 Total Questions Presented

with a:

150-MINUTE TIME LIMIT

and a:

SCALED SCORE OF 70 TO PASS

The guide explains that Texas uses scaled scoring, so the raw number needed may vary slightly by exam form.

About 60 Seconds Per Question

With roughly 145 total questions in 150 minutes, the guide recommends moving at approximately:

1 MINUTE PER QUESTION

The strategy:

Read carefully

Watch for EXCEPT / NOT

Eliminate obvious distractors

Mark difficult questions

Keep moving

Return at the end

Do not spend several minutes fighting one question when easier points remain unanswered.

Study According to the Exam Weighting

The guide breaks the content into approximately:

Content Area

Approx. Weight

Life Insurance Fundamentals

~30%

Health Insurance Fundamentals

~30%

General Insurance Concepts

~10%

Texas Life Rules

~10%

Texas Health Rules

~12%

Texas HMO Rules

~5%

Texas Common Rules

~3%

That makes the message clear:

GENERIC KNOWLEDGE IS NOT ENOUGH

Candidates need the national insurance concepts and the Texas-specific rules.

Life Insurance — About 30%

Review the major life products:

Term Life

Level Term

Decreasing Term

Increasing Term

Renewable Term

Convertible Term

Whole Life

Straight Whole Life

Limited Pay

Single Premium

Universal Life

Flexible Premiums

Adjustable Death Benefits

Option A

Option B

Variable Life

Separate-account investments and securities licensing concepts.

Variable Universal Life

Combines UL flexibility with variable investment features.

Indexed Universal Life

Cash-value interest linked to an external index.

The guide also reviews group life and joint-life structures.

Life Insurance Riders

Review:

Waiver of Premium

Accidental Death Benefit

Guaranteed Insurability

Cost of Living

Term Riders

Long-Term Care Riders

Accelerated Death Benefits

Disability Income Riders

Family Income Riders

Child & Spouse Riders

Return of Premium

The guide explains what each rider actually does rather than simply listing definitions.

Texas Life Policy Numbers to Know

The guide highlights several important Texas timeframes:

10 Days

Standard individual life free-look

20 Days

Replacement-policy free-look

21 Days

Annuity free-look for Texas residents age 65+

31 Days

Typical life-policy grace period

2 Years

Incontestability period

2 Years

Suicide clause

3 Years

Common reinstatement period described in the guide

These are the kinds of numbers candidates should be able to recognize instantly.

Application & Underwriting

Review:

Representations

Warranties

Material Misrepresentation

Concealment

Fraud

Field Underwriting

Insurable Interest

MIB

FCRA

HIPAA

Risk Classifications

The guide stresses that insurable interest in life insurance generally needs to exist at policy inception.

Texas Replacement Rules

Replacement is a major state-specific area.

The guide reviews:

Notice Regarding Replacement

Agent and applicant signatures

Existing insurer notification

20-day replacement free-look

Recordkeeping

and the requirement that the replacing insurer notify the existing insurer within:

5 WORKING DAYS

Replacement records should be retained for:

5 YEARS

Annuities

Review:

Fixed Annuities

Variable Annuities

Indexed Annuities

Immediate Annuities

Deferred Annuities

SPDA

FPDA

Payout Options

Straight Life

Life with Period Certain

Life with Refund

Joint & Survivor

Period Certain

Fixed Amount

The guide also reviews the basic distinction:

Life insurance creates an estate.

Annuities liquidate an estate.

Annuity Senior Protection in Texas

One very testable Texas-specific rule:

21-DAY FREE LOOK FOR SENIORS 65+

The guide identifies this extended free-look as a protection for older annuity purchasers.

It also emphasizes suitability standards and consumer-protection considerations.

Life & Annuity Taxation

Review:

Tax-free death benefits

Tax-deferred cash value

Policy loans

Taxable surrender gains

Annuity taxation

Exclusion ratios

Early withdrawal penalties

Modified Endowment Contracts

7-Pay Test

Transfer-for-Value

Retirement Concepts

Review:

Qualified Plans

Nonqualified Plans

Traditional IRA

Roth IRA

401(k)

Defined Benefit Plans

Defined Contribution Plans

ERISA

Required Minimum Distributions

The guide connects retirement concepts to both tax treatment and insurance products.

Health Insurance — About 30%

Review:

Disability Income

Major Medical

Hospital Indemnity

Critical Illness

Cancer Insurance

Dental

Vision

Accident-Only

AD&D

Key Terms

Deductible

Coinsurance

Copayment

Out-of-Pocket Maximum

Coordination of Benefits

Provider Networks

Disability Income

Know the differences among:

Own Occupation

Unable to perform duties of your own occupation.

Any Occupation

Unable to perform duties of any occupation for which you are reasonably suited.

Modified Own Occupation

Often shifts from own-occupation to any-occupation after a specified period.

Also review:

Elimination Period

Benefit Period

Residual Disability

Partial Disability

Recurrent Disability

Mandatory Health Policy Provisions

The guide reviews the commonly tested provisions:

Grace Period

7 days — weekly premium

10 days — monthly

31 days — less frequent

Notice of Claim

20 DAYS

Claim Forms

15 DAYS

Proof of Loss

90 DAYS

Legal Action

Not until:

60 DAYS AFTER PROOF OF LOSS

and generally within:

3 YEARS

These are excellent final-week memorization items.

Long-Term Care

Review:

6 Activities of Daily Living

Bathing

Dressing

Toileting

Transferring

Continence

Eating

The guide uses the familiar trigger:

2 OF 6 ADLs

It also covers:

Cognitive Impairment

Skilled Care

Intermediate Care

Custodial Care

Home Health

Adult Day Care

Respite

Assisted Living

Nursing Home Care

Texas LTC Training

According to the guide, Texas requires:

8 HOURS INITIAL TRAINING

before selling LTC products.

Then:

4 HOURS PER RENEWAL CYCLE

The guide also states that Texas insurers must offer:

INFLATION PROTECTION

on LTC policies.

Medicare

Review:

Part A

Part B

Part C

Part D

Initial Enrollment

General Enrollment

Special Enrollment

Annual Election

The guide also covers Medigap, standardized plans, guaranteed-issue periods, and pre-existing-condition rules.

Texas Medicare Supplement Rules

The guide highlights:

30-DAY FREE LOOK

for Medicare Supplement policies.

It also reviews:

6-month Medigap open enrollment

Guaranteed issue

Outline of Coverage

Replacement disclosures

The Outline of Coverage must be provided:

AT THE TIME OF APPLICATION

Texas AIDS-Testing Rules

This is one of the guide’s strongest Texas-specific sections.

The guide reviews Texas Insurance Code provisions requiring:

WRITTEN INFORMED CONSENT BEFORE TESTING

and:

CONFIDENTIAL TREATMENT OF RESULTS

It also states that AIDS test results may not be used to deny:

GROUP HEALTH COVERAGE

while they may still be relevant in certain individual-product underwriting contexts.

This is exactly the kind of state-specific material generic insurance books often miss.

Texas Small-Group Health

The guide identifies a Texas small employer as:

2–50 ELIGIBLE EMPLOYEES

for the state-law framework discussed.

It also reviews:

Guaranteed Issue

Modified Community Rating

and other small-group concepts.

HMO Rules

This guide goes beyond ordinary Life & Health prep by including a dedicated HMO section.

Review:

HMO Definitions

Evidence of Coverage

Enrollment

Nonrenewal

Cancellation

Emergency Services

One important rule in the practice section:

EMERGENCY SERVICES MUST BE COVERED REGARDLESS OF NETWORK STATUS

under the Texas HMO framework described in the guide.

TLHIGA — Texas Guaranty Association

This is one of the highest-yield Texas sections.

The guide lists:

$300,000

Life insurance death benefit

$100,000

Life cash surrender value

$250,000

Annuity present value

$500,000

Basic hospital / medical / major medical coverage

$300,000

Disability / LTC coverage

$300,000

Aggregate per life, excluding the higher health limit described in the guide

The guide also emphasizes:

AGENTS CANNOT USE TLHIGA AS A SALES INDUCEMENT

That means the guaranty association should not be used as an advertising or closing tool.

Texas Licensing & Renewal

The guide lists:

No mandatory pre-licensing

$62 Pearson VUE exam fee

$50 TDI application fee

Fingerprinting required

Apply within 1 year after passing

24 hours CE every 2 years

including:

3 HOURS OF ETHICS

The guide also recommends:

PASS FIRST — THEN APPLY

to avoid paying the application fee twice.

Reporting to TDI

The guide identifies:

30 DAYS

as the timeframe for reporting certain events to TDI, including reportable disciplinary or criminal matters and address changes.

Failure to report can itself become a licensing issue.

Unfair Trade Practices

Review:

Twisting

Misrepresentation to induce replacement.

Churning

Unnecessary replacement primarily for commission gain.

Rebating

Returning part of the premium or giving improper value to induce a sale.

Defamation

False statements about a competitor or insurer.

These distinctions show up repeatedly in insurance licensing exams.

After reviewing the material, test yourself with:

50 ORIGINAL PRACTICE QUESTIONS

The guide deliberately weights them toward:

30 General Knowledge Questions

and:

20 Texas-Specific Questions

Topics include:

Life Insurance

Annuities

Health Insurance

Medicare

Texas Statutes

TLHIGA

AIDS Testing

HMOs

LTC

Replacement

The guide recommends taking the practice test cold with a:

75-MINUTE TIMER

and aiming for at least:

80% ON THE FIRST ATTEMPT

Then review every explanation and retest before exam day.

Detailed Explanations + Statutory Citations

This is not just an answer key.

The guide includes explanations designed to reinforce why the credited answer is correct.

Texas-specific explanations reference concepts including:

Texas Insurance Code

TDI rules

TLHIGA

Replacement

AIDS-testing requirements

Medicare Supplement

LTC

HMO requirements

The goal is to turn every missed question into another study opportunity.

Last-Minute Texas Numbers to Memorize

This makes an excellent visual box on the page.

10 DAYS

Standard life free-look

20 DAYS

Replacement free-look

21 DAYS

Senior annuity free-look

30 DAYS

Medicare Supplement / LTC free-look

5 WORKING DAYS

New insurer replacement notice

5 YEARS

Replacement record retention

30 DAYS

TDI reporting

24 HOURS / 2 YEARS

Continuing education

3 HOURS

Ethics CE

8 HOURS

Initial LTC training

4 HOURS

LTC training per renewal

Who Is This Texas Study Guide For?

This guide is designed for:

• Texas General Lines Life & Health candidates

• First-time Pearson VUE test takers

• Life insurance agents

• Health insurance agents

• Medicare agents

• Final expense agents

• Annuity agents

• Long-Term Care agents

• HMO sales professionals

• Insurance professionals adding another license

• Candidates retaking the Texas exam

• Self-study candidates

• Candidates needing more Texas-specific statute review

It is especially useful for candidates who want to take advantage of Texas’s:

NO PRE-LICENSING COURSE REQUIREMENT

and prepare independently.

TEXAS LIFE, ACCIDENT, HEALTH & HMO EXAM STUDY GUIDE

✓ 50-page instant PDF

✓ Current Texas exam framework

✓ Life insurance

✓ Life riders & provisions

✓ Underwriting

✓ Replacement

✓ Annuities

✓ Taxation

✓ Retirement

✓ Health insurance

✓ Disability

✓ LTC

✓ Medicare

✓ Medicare Supplement

✓ Social Insurance

✓ TDI rules

✓ Texas Commissioner authority

✓ TLHIGA

✓ Texas AIDS-testing rules

✓ Texas HMO rules

✓ Small-group health

✓ LTC training rules

✓ Unfair trade practices

✓ Texas-specific timeframes

✓ Statutory quick-reference charts

PLUS:

50 PRACTICE QUESTIONS

30 GENERAL + 20 TEXAS-SPECIFIC

WITH DETAILED ANSWERS & STATUTORY CITATIONS

Texas does not require a pre-licensing course.

But that means you are responsible for being ready when you walk into Pearson VUE.

TEXAS LIFE, ACCIDENT, HEALTH & HMO EXAM STUDY GUIDE

Pearson VUE + TDI Exam Prep

Life • Health • Annuities • Medicare • HMO • Texas Statutes

INSTANT DOWNLOAD — $19.97

One Payment • No Subscription • No Recurring Fees

Important Disclaimer

This product is an independent educational exam-preparation resource and is not affiliated with, sponsored by, endorsed by, or approved by the Texas Department of Insurance (TDI), Pearson VUE, TLHIGA, CMS, FINRA, or any government, regulatory, or testing organization. Practice questions are independently created and are not actual licensing examination questions. This guide does not provide an insurance license and does not replace any product-specific training that may be required before selling regulated products. Texas laws, insurance regulations, testing procedures, fees, continuing-education requirements, Medicare rules, tax figures, and examination specifications may change. Candidates should verify current requirements directly with TDI and Pearson VUE before testing or applying for licensure.