Free Texas Life & Health Insurance License Exam Practice Test
Realistic 50-question practice exam with instant feedback and score reports.
About this practice exam
Free Texas Life & Health Insurance License Exam practice test with 50 realistic multiple-choice questions, instant grading, and explanations. Study with drill mode, category score reports, and a personalized review plan.
Exam format
- 50 multiple-choice practice questions
- Drill mode with instant feedback and explanations after each answer
Study tips
- Review the official exam content outline before your first practice run.
- Take the full practice exam once to establish a baseline score by category.
- Focus review on categories where you score below the passing threshold.
- Re-take missed questions in drill mode until you can explain each correct answer.
- Schedule the real exam only after consistent passing scores on practice tests.
Sample TX L&H practice questions
Try a few representative questions below. Each includes the correct answer and a short explanation — the same style you'll see in the full practice test.
- Question 1Life Insurance Policy Provisions
A Texas resident applies for a life insurance policy with a face amount of $500,000. The policy is issued on June 1st, and the applicant pays the initial premium. The policy states a free look period of 30 days. If the applicant decides to surrender the policy on June 15th, what is the applicant entitled to receive?
- A.The full refund of all premiums paid.(Correct)
- B.The cash value of the policy plus a pro-rata refund of the unearned premium.
- C.The cash surrender value of the policy.
- D.The full refund of the initial premium paid.
Explanation
Texas law mandates a 30-day free look period for life insurance policies. During this period, the applicant can return the policy for any reason and receive a full refund of all premiums paid, without penalty.
- Question 2Disability Income Insurance
An individual is purchasing a disability income policy. The policy has a 90-day elimination period and a benefit period of 5 years. If the individual becomes totally disabled on January 1st and remains disabled for 180 days, how many days of benefits will they receive?
- A.360 days
- B.270 days
- C.180 days
- D.90 days(Correct)
Explanation
The elimination period is the time between the start of the disability and when benefits begin. Since the elimination period is 90 days, benefits will only be paid for the days of disability exceeding 90 days. In this case, 180 days of disability minus the 90-day elimination period equals 90 days of payable benefits.
- Question 3Insurance Regulation and Licensing
Which of the following statements accurately describes the role of the Texas Department of Insurance (TDI) regarding producer licensing?
- A.The TDI issues licenses to individuals who meet specific qualifications and pass examinations.(Correct)
- B.The TDI is responsible for setting commission rates for insurance agents.
- C.The TDI approves all advertising materials used by insurance companies in Texas.
- D.The TDI directly handles claims disputes between policyholders and insurance companies.
Explanation
The TDI is the state agency responsible for regulating the insurance industry in Texas. A key function is to license insurance producers (agents) who demonstrate the necessary knowledge and qualifications through examinations and meet other state requirements.
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Frequently asked questions
How many questions are on this TX L&H practice test?
This practice test includes 50 multiple-choice questions designed to mirror the format and difficulty of the real Texas Life & Health Insurance License Exam.
Is this TX L&H practice test free?
Yes. You can start practicing for free. Create an account to save progress, track weak categories, and retake the exam.
Do I get explanations after each question?
Yes. In drill mode you see why the correct answer is right, why distractors are wrong, and practical examples where relevant.
How should I use this practice test to prepare?
Take the full exam under timed conditions, review missed questions by category, then focus study on your weakest sections before scheduling the real exam.
Does this replace official exam materials?
No. Use this as a supplement alongside official candidate information bulletins, textbooks, and hands-on experience required for your license or certification.
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