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Texas Life Insurance — Requirements & Free Practice

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Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

General Lines – Life, Accident, Health and HMO

Texas licence authority for General Lines – Life, Accident, Health and HMO. Individual and entity applicants are distinguished by route. Temporary and provisional forms have separate credential records.

Licensing authority: Texas Department of Insurance · Application information

Individual — Chartered Life Underwriter exemption
No examination is required for this applicant pathway.
Designation
Hold the Chartered Life Underwriter (CLU) designation and provide supporting designation evidence; satisfy other issuance requirements.

Official no-examination sources

Effective from 2026-09-22.

Individual — grandfathered fraternal society agent
No examination is required for this applicant pathway.
Historical authority
Authorised to solicit or procure for the fraternal society on September 1, 1999 and for at least the preceding 24 months.
Scope restrictions
No other insurer or different society; only eligible society members; interest-sensitive life contracts above $35,000 require Fraternal Insurance Counselor designation. The exemption is individual and nontransferable.

Official no-examination sources

Effective from 2026-09-22.

Late renewal — expired 90 days or less
No examination is required for this applicant pathway.
Application
Submit completed renewal application and required fee.
Continuing education
Meet continuing education and any outstanding-fine requirements applicable to this licence. Funeral prearrangement agents are exempt under §4054.159; §4054.207 supplies a conditional exemption for the specified funeral-contract business of the $25,000 licence.
Existing licence
Licence is not denied, revoked or suspended.
Time
Expired no more than 90 days; pay renewal fee plus one-half of that fee.

Official no-examination sources

Effective from 2026-09-22.

New resident individual — previously licensed within 90 days
No examination is required for this applicant pathway.
Application
Submit the electronic application and fingerprints with proof of the previous licence; meet all other licence requirements.
Prior licence
Held the same or similar insurance licence in the previous resident state within the 90 days preceding the Texas application.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — substantially equivalent licence or reciprocal waiver
Texas Insurance Examination — General Lines - Life, Accident & Health - English
Age
Individual applicant must be at least 18 years old under Texas Insurance Code §4001.105.
Application
Submit a complete application and required fees; pass the applicable examination within the preceding 12 months, except where an identified exemption applies.
Appointment
Obtain applicable insurer appointment for the authorised line.
Business intent
Bona fide intent to solicit or write insurance for the general public; §4001.104 requires at least 25 percent of annual premium volume outside controlled business.
Department discretion
TDI may waive any licence requirement if the other jurisdiction’s requirements are substantially equivalent or the waiver promotes reciprocity among a majority of states. The identified Texas examination remains involved unless TDI waives it for this applicant.
Fitness
No disqualifying act under Texas Insurance Code Chapter 4005; supply required fingerprint/background-check evidence.
Licence held
Hold a valid licence from another state or jurisdiction.
Variable life
If selling variable life insurance, a federal securities licence and Texas insurance licence are required; securities qualification is another profession’s requirement and is an applicant condition.
Nonresident entity — agency licensure
No examination is required for this applicant pathway.
Application
Submit entity application, fees, and required entity registration/background-check information.
Entity
Corporation, partnership, limited liability company, depository institution, or qualifying federally chartered Farm Credit entity, as applicable under §§4001.004 and 4001.106–108.
Financial responsibility
Maintain financial responsibility under §4001.106: $250,000 errors-and-omissions coverage with deductible at most 10 percent, or a $25,000 surety bond; a binding commitment is sufficient at application.
Licensed people
At least one corporate officer or active partner and every person performing agent acts in Texas must hold the appropriate individual Texas licence separately; a licence held is an applicant condition.
Ownership and fitness
Provide required controlling-person information and satisfy the fitness and business-intent requirements of §4001.106.
Residency
Nonresident entity applying under §4056.054.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual without a resident state agent licence — licensure by examination
Texas Insurance Examination — General Lines - Life, Accident & Health - English
Age
Individual applicant must be at least 18 years old under Texas Insurance Code §4001.105.
Application
Submit a complete application and required fees; pass the applicable examination within the preceding 12 months, except where an identified exemption applies.
Appointment
Obtain applicable insurer appointment for the authorised line.
Board application instruction
General Lines – Life, Accident, Health and HMO TDI application page describes a home-state licence as required for its standard nonresident application. The statutory examination pathway under §4056.053 remains recorded; the Board’s narrower application instruction must be addressed with TDI.
Business intent
Bona fide intent to solicit or write insurance for the general public; §4001.104 requires at least 25 percent of annual premium volume outside controlled business.
Fitness
No disqualifying act under Texas Insurance Code Chapter 4005; supply required fingerprint/background-check evidence.
Residency
Applicant does not reside in Texas and does not hold an agent licence in the state of residence; provide criminal-history records through that state’s law-enforcement agency.
Variable life
If selling variable life insurance, a federal securities licence and Texas insurance licence are required; securities qualification is another profession’s requirement and is an applicant condition.
Nonresident individual — reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit completed nonresident application and fee; home-state suspension, cancellation or revocation automatically affects the corresponding Texas licence.
Reciprocity
Resident state must grant Texas resident agents nonresident licences reciprocally.
Resident licence
Hold a licence in good standing in the state of residence with generally comparable authority, and restrict Texas business to lines authorised in that resident state.

Official no-examination sources

Effective from 2026-09-22.

Existing Texas nonresident individual — transition to comparable resident licence
No examination is required for this applicant pathway.
Deadline
Within 30 days after relocation submit the completed application, contact/address changes and fingerprint forms required by §4056.059; the comparable resident licence replaces and cancels the nonresident licence.
Existing texas licence
Currently hold a Texas reciprocal nonresident licence issued under §4056.052 and relocate to Texas during its term.

Official no-examination sources

Effective from 2026-09-22.

Application after denial or revocation
Texas Insurance Examination — General Lines - Life, Accident & Health - English
Age
Individual applicant must be at least 18 years old under Texas Insurance Code §4001.105.
Application
Submit a complete application and required fees; pass the applicable examination within the preceding 12 months, except where an identified exemption applies.
Appointment
Obtain applicable insurer appointment for the authorised line.
Business intent
Bona fide intent to solicit or write insurance for the general public; §4001.104 requires at least 25 percent of annual premium volume outside controlled business.
Exception
The five-year bar and good-cause rule do not apply to denial/revocation for failing an examination, failing continuing education or paying its fine, or failing to submit a properly completed application.
Fitness
No disqualifying act under Texas Insurance Code Chapter 4005; supply required fingerprint/background-check evidence.
Variable life
If selling variable life insurance, a federal securities licence and Texas insurance licence are required; securities qualification is another profession’s requirement and is an applicant condition.
Waiting period
Generally wait five years from the effective denial/revocation or final affirming court order; demonstrate good cause why it should not bar new issuance.
New licence after expiry — more than 90 days and less than one year
No examination is required for this applicant pathway.
Application
Submit completed renewal application and required fee.
Continuing education
Meet continuing education and any outstanding-fine requirements applicable to this licence. Funeral prearrangement agents are exempt under §4054.159; §4054.207 supplies a conditional exemption for the specified funeral-contract business of the $25,000 licence.
Existing licence
Licence is not denied, revoked or suspended.
Time
Expired more than 90 days but less than one year; file a new application and pay licence fee plus one-half of that fee; this is issuance of a new licence rather than renewal.

Official no-examination sources

Effective from 2026-09-22.

New licence after expiry — one year or more
Texas Insurance Examination — General Lines - Life, Accident & Health - English
Age
Individual applicant must be at least 18 years old under Texas Insurance Code §4001.105.
Application
Submit a complete application and required fees; pass the applicable examination within the preceding 12 months, except where an identified exemption applies.
Appointment
Obtain applicable insurer appointment for the authorised line.
Business intent
Bona fide intent to solicit or write insurance for the general public; §4001.104 requires at least 25 percent of annual premium volume outside controlled business.
Fitness
No disqualifying act under Texas Insurance Code Chapter 4005; supply required fingerprint/background-check evidence.
Time
Licence expired one year or more; reexamination is required when original issuance requires examination, and all original-issuance requirements apply.
Variable life
If selling variable life insurance, a federal securities licence and Texas insurance licence are required; securities qualification is another profession’s requirement and is an applicant condition.
Renewal of unexpired licence
No examination is required for this applicant pathway.
Application
Submit completed renewal application and required fee.
Continuing education
Meet continuing education and any outstanding-fine requirements applicable to this licence. Funeral prearrangement agents are exempt under §4054.159; §4054.207 supplies a conditional exemption for the specified funeral-contract business of the $25,000 licence.
Existing licence
Licence is not denied, revoked or suspended.
Time
Apply before expiry.

Official no-examination sources

Effective from 2026-09-22.

Resident entity — agency licensure
No examination is required for this applicant pathway.
Application
Submit entity application, fees, and required entity registration/background-check information.
Entity
Corporation, partnership, limited liability company, depository institution, or qualifying federally chartered Farm Credit entity, as applicable under §§4001.004 and 4001.106–108.
Financial responsibility
Maintain financial responsibility under §4001.106: $250,000 errors-and-omissions coverage with deductible at most 10 percent, or a $25,000 surety bond; a binding commitment is sufficient at application.
Licensed people
At least one corporate officer or active partner and every person performing agent acts in Texas must hold the appropriate individual Texas licence separately; a licence held is an applicant condition.
Ownership and fitness
Provide required controlling-person information and satisfy the fitness and business-intent requirements of §4001.106.

Official no-examination sources

Effective from 2026-09-22.

Resident individual — initial licensure by examination
Texas Insurance Examination — General Lines - Life, Accident & Health - English
Age
Individual applicant must be at least 18 years old under Texas Insurance Code §4001.105.
Application
Submit a complete application and required fees; pass the applicable examination within the preceding 12 months, except where an identified exemption applies.
Appointment
Obtain applicable insurer appointment for the authorised line.
Business intent
Bona fide intent to solicit or write insurance for the general public; §4001.104 requires at least 25 percent of annual premium volume outside controlled business.
Fitness
No disqualifying act under Texas Insurance Code Chapter 4005; supply required fingerprint/background-check evidence.
Variable life
If selling variable life insurance, a federal securities licence and Texas insurance licence are required; securities qualification is another profession’s requirement and is an applicant condition.
Renewal of expired Texas licence — continually practising out of state agent
No examination is required for this applicant pathway.
Current practice
Currently licensed and in continual practice in the other state preceding this application; TDI may renew without reexamination.
Fee
Pay a fee equal to the licence application fee.
Prior texas licence
Previously licensed in Texas and then moved away.

Official no-examination sources

Effective from 2026-09-22.

Temporary license holder — conversion to permanent licence
Texas Insurance Examination — General Lines - Life, Accident & Health - English
Age
Individual applicant must be at least 18 years old under Texas Insurance Code §4001.105.
Application
Submit a complete application and required fees; pass the applicable examination within the preceding 12 months, except where an identified exemption applies.
Appointment
Obtain applicable insurer appointment for the authorised line.
Business intent
Bona fide intent to solicit or write insurance for the general public; §4001.104 requires at least 25 percent of annual premium volume outside controlled business.
Fitness
No disqualifying act under Texas Insurance Code Chapter 4005; supply required fingerprint/background-check evidence.
Temporary term
Pass the appropriate examination during the 180-day temporary term and follow TDI’s proof-of-passage instructions; if the temporary term expires, submit a new application and fee.
Variable life
If selling variable life insurance, a federal securities licence and Texas insurance licence are required; securities qualification is another profession’s requirement and is an applicant condition.

General Lines – Life, Accident, Health and HMO — Provisional Permit

Statutorily authorised provisional permit for General Lines – Life, Accident, Health and HMO. The current licence-specific TDI instructions state that this permit is not offered; availability is an explicit route condition.

Licensing authority: Texas Department of Insurance · Application information

Provisional individual permit — pending permanent licence application
Texas Insurance Examination — General Lines - Life, Accident & Health - English
Availability
A provisional permit is not offered for a general lines license. This later licence-specific Board instruction is recorded alongside the statutory authorisation and the older March 15, 2021 general provisional-permit page. Verify issuance availability directly with TDI.
Permanent application
Submit completed permanent and provisional applications, fees and sponsor certification; already complete required training and pass the examination required for the requested permanent licence.
Sponsor
Sponsor must complete the statutory background check, certify qualifying application answers and supervise work.
Term
Expires at the earlier of 90 days or permanent issuance/denial, with the statutory extension if the permanent decision has not arrived as provided by §4001.355.

Texas Insurance Examination — General Lines - Life, Accident & Health - English

Provider
Pearson VUE
Format
Computer-administered examination
Exam questions
130 scoreable questions plus 15 pretest questions
Time limit
150 minutes
Passing score
70 scaled score
Exam fee
$49
Examination outline
  • I. TYPES OF POLICIES
    • Traditional whole life products
    • Traditional whole life products — Ordinary whole life
    • Traditional whole life products — Limited-pay and single-premium life
    • Interest/market-sensitive/adjustable life products
    • Interest/market-sensitive/adjustable life products — Universal life
    • Interest/market-sensitive/adjustable life products — Variable whole life
    • Interest/market-sensitive/adjustable life products — Variable universal life
    • Interest/market-sensitive/adjustable life products — Interest-sensitive whole life
    • Interest/market-sensitive/adjustable life products — Indexed life
    • Term life
    • Term life — Types
    • Term life — Types — Level
    • Term life — Types — Decreasing
    • Term life — Types — Return of premium
    • Term life — Types — Annually renewable
    • Term life — Special features
    • Term life — Special features — Renewable
    • Convertible Annuities
    • Convertible Annuities — Single and flexible premium
    • Convertible Annuities — Immediate and deferred
    • Convertible Annuities — Fixed and variable
    • Convertible Annuities — Indexed
    • Convertible Annuities — Accumulation and Annuity Periods
    • Convertible Annuities — Payout options
    • Combination plans and variations
    • Combination plans and variations — Joint life (first to die)
    • Combination plans and variations — Survivorship life (second to die)
  • II. POLICY RIDERS, PROVISIONS, OPTIONS, AND EXCLUSIONS
    • Policy riders
    • Policy riders — Waiver of premium and waiver of monthly deduction
    • Policy riders — Guaranteed insurability
    • Policy riders — Payor benefit
    • Policy riders — Accidental death and/or accidental death and dismemberment
    • Policy riders — Term riders
    • Policy riders — Other insureds
    • Policy riders — Long term care
    • Policy riders — Return of premium
    • Policy riders — Disability
    • Policy riders — Cost of Living
    • Policy provisions and options
    • Policy provisions and options — Entire contract
    • Policy provisions and options — Insuring clause
    • Policy provisions and options — Free look
    • Policy provisions and options — Consideration
    • Policy provisions and options — Owner’s rights
    • Policy provisions and options — Beneficiary designations
    • Policy provisions and options — Beneficiary designations — Primary and contingent
    • Policy provisions and options — Beneficiary designations — Revocable and irrevocable
    • Policy provisions and options — Beneficiary designations — Common disaster
    • Policy provisions and options — Beneficiary designations — Minor beneficiaries
    • Policy provisions and options — Beneficiary designations — Designation by class
    • Policy provisions and options — Premium Payment
    • Policy provisions and options — Premium Payment — Modes
    • Policy provisions and options — Premium Payment — Grace period
    • Policy provisions and options — Premium Payment — Automatic premium loan
    • Policy provisions and options — Premium Payment — Level or flexible
    • Policy provisions and options — Reinstatement
    • Policy provisions and options — Policy loans, withdrawals, partial surrenders
    • Policy provisions and options — Non-forfeiture options
    • Policy provisions and options — Dividends and dividend options (e.g. participating, non-participating)
    • Policy provisions and options — Incontestability
    • Policy provisions and options — Assignments
    • Policy provisions and options — Suicide
    • Policy provisions and options — Misstatement of age and gender
    • Policy provisions and options — Settlement options
    • Policy provisions and options — Accelerated death benefits
    • Policy exclusions
    • Policy exclusions — War
    • Policy exclusions — Aviation
    • Policy exclusions — Dangerous Occupation
  • III. COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICES
    • Completing the application
    • Completing the application — Required signatures
    • Completing the application — Changes in the application
    • Completing the application — Consequences of incomplete applications
    • Completing the application — Warranties and representations
    • Completing the application — Collecting the initial premium and issuing the receipt
    • Completing the application — Replacement
    • Completing the application — Disclosures at point of sale (e.g., HIPAA, HIV consent)
    • Completing the application — USA PATRIOT Act/anti-money laundering
    • Completing the application — Gramm-Leach-Bliley Act (GLBA) Privacy
    • Underwriting
    • Underwriting — Insurable interest
    • Underwriting — Medical information and consumer reports
    • Underwriting — Fair Credit Reporting Act
    • Underwriting — Risk classification
    • Underwriting — Stranger/Investor-owned life insurance (STOLI/IOLI)
    • Delivering the policy
    • Delivering the policy — When coverage begins
    • Delivering the policy — Explaining the policy and its provisions, riders, exclusions, and ratings to the client
    • Contract law
    • Contract law — Elements of a contract
    • Contract law — Elements of a contract — Consideration
    • Contract law — Elements of a contract — Offer and Acceptance
    • Contract law — Elements of a contract — Competent parties
    • Contract law — Elements of a contract — Legal purpose
    • Contract law — Unique aspects of the insurance contract
    • Contract law — Unique aspects of the insurance contract — Conditional
    • Contract law — Unique aspects of the insurance contract — Unilateral
    • Contract law — Unique aspects of the insurance contract — Adhesion
    • Contract law — Unique aspects of the insurance contract — Aleatory
  • IV. RETIREMENT AND OTHER INSURANCE CONCEPTS
    • Third-party ownership
    • Life Settlements
    • Group life insurance
    • Group life insurance — Conversion privilege
    • Group life insurance — Contributory vs. noncontributory
    • Retirement plans
    • Retirement plans — Qualified plans
    • Retirement plans — Nonqualified plans
    • Life insurance needs analysis/suitability
    • Life insurance needs analysis/suitability — Personal insurance needs
    • Life insurance needs analysis/suitability — Business insurance needs
    • Life insurance needs analysis/suitability — Business insurance needs — Key person
    • Life insurance needs analysis/suitability — Business insurance needs — Buy sell
    • Social Security benefits
    • Tax treatment of insurance premiums, proceeds, and dividends
    • Tax treatment of insurance premiums, proceeds, and dividends — Individual life
    • Tax treatment of insurance premiums, proceeds, and dividends — Group life
    • Tax treatment of insurance premiums, proceeds, and dividends — Modified Endowment Contracts (MECs)
  • V. TYPES OF POLICIES
    • Disability income
    • Disability income — Individual disability income policy
    • Disability income — Business overhead expense policy
    • Disability income — Business disability buyout policy
    • Disability income — Group disability income policy
    • Disability income — Key employee policy
    • Accidental death and dismemberment
    • Medical expense insurance
    • Medical expense insurance — Basic hospital, medical, and surgical policies
    • Medical expense insurance — Major medical policies
    • Medical expense insurance — Health Maintenance Organizations (HMOs)
    • Medical expense insurance — Preferred Provider Organizations (PPOs)
    • Medical expense insurance — Point of Service (POS) plans
    • Medical expense insurance — Flexible Spending Accounts (FSAs)
    • Medical expense insurance — High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • Medical expense insurance — Health Reimbursement Accounts (HRAs)
    • Medicare supplement policies
    • Group insurance
    • Group insurance — Differences between individual and group contracts
    • Group insurance — General characteristics
    • Group insurance — COBRA
    • Individual/Group Long Term Care (LTC)
    • Individual/Group Long Term Care (LTC) — Eligibility
    • Individual/Group Long Term Care (LTC) — Levels of care
    • Other policies
    • Other policies — Dental
    • Other policies — Vision
    • Other policies — Cancer
    • Other policies — Critical illness or specified disease
    • Other policies — Worksite (employer-sponsored)
    • Other policies — Hospital indemnity
    • Other policies — Short-term medical
    • Other policies — Accident
  • VI. POLICY PROVISIONS, CLAUSES, AND RIDERS
    • Mandatory and optional provisions
    • Mandatory and optional provisions — Entire contract
    • Mandatory and optional provisions — Time limit on certain defenses (incontestable)
    • Mandatory and optional provisions — Grace period
    • Mandatory and optional provisions — Reinstatement
    • Mandatory and optional provisions — Notice of claim
    • Mandatory and optional provisions — Claim forms
    • Mandatory and optional provisions — Proof of loss
    • Mandatory and optional provisions — Time of payment of claims
    • Mandatory and optional provisions — Payment of claims
    • Mandatory and optional provisions — Physical examination and autopsy
    • Mandatory and optional provisions — Legal actions
    • Mandatory and optional provisions — Change of beneficiary
    • Mandatory and optional provisions — Misstatement of age or gender
    • Mandatory and optional provisions — Change of occupation
    • Mandatory and optional provisions — Illegal occupation
    • Mandatory and optional provisions — Relation of earnings to insurance
    • Other provisions and clauses
    • Other provisions and clauses — Insuring clause
    • Other provisions and clauses — Free look
    • Other provisions and clauses — Consideration clause
    • Other provisions and clauses — Probationary period
    • Other provisions and clauses — Elimination period
    • Other provisions and clauses — Waiver of premium
    • Other provisions and clauses — Exclusions and limitations
    • Other provisions and clauses — Preexisting conditions
    • Other provisions and clauses — Coinsurance
    • Other provisions and clauses — Deductibles
    • Other provisions and clauses — Eligible expenses
    • Other provisions and clauses — Copayments
    • Other provisions and clauses — Pre-authorizations and prior approval requirements
    • Other provisions and clauses — Usual, reasonable, and customary (URC) charges
    • Other provisions and clauses — Lifetime, annual, or per cause maximum benefit limits
    • Riders
    • Riders — Impairment/exclusions
    • Riders — Guaranteed insurability
    • Riders — Future increase option
    • Rights of renewability
    • Rights of renewability — Noncancelable
    • Rights of renewability — Cancelable
    • Rights of renewability — Guaranteed renewable
  • VII. SOCIAL INSURANCE
    • Medicare (Parts A, B, C, D)
    • Medicaid
    • Social Security benefits
  • VIII. OTHER INSURANCE CONCEPTS
    • Total, partial, recurrent and residual disability
    • Owner’s rights
    • Dependent children benefits
    • Primary and contingent beneficiaries
    • Modes of premium payments
    • Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • Occupational vs. non-occupational
    • Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • Managed care
    • Workers Compensation
    • Subrogation
  • IX. FIELD UNDERWRITING PROCEDURES
    • Completing the application
    • Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • Submitting application (and initial premium if collected) to company for underwriting
    • Policy delivery
    • Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • Replacement
    • Contract law
    • Contract law — Elements of a contract
    • Contract law — Insurable interest
    • Contract law — Warranties and representations
    • Contract law — Unique aspects of the insurance contract
    • Contract law — Unique aspects of the insurance contract — Conditional
    • Contract law — Unique aspects of the insurance contract — Unilateral
    • Contract law — Unique aspects of the insurance contract — Adhesion
    • Contract law — Unique aspects of the insurance contract — Aleatory
  • I. TEXAS STATUTES AND RULES COMMON TO LIFE AND HEALTH INSURANCE
    • Commissioner of Insurance
    • Commissioner of Insurance — General powers and duties
    • Commissioner of Insurance — Examination of records
    • Commissioner of Insurance — Investigation/Notice of hearing
    • Commissioner of Insurance — Penalties
    • Commissioner of Insurance — Cease and desist orders
    • Insurance definitions
    • Insurance definitions — Certificate of authority
    • Insurance definitions — Transacting insurance
    • Insurance definitions — Foreign, domestic, alien
    • Insurance definitions — Stock, mutual
    • Insurance definitions — Fraternals
    • Licensing requirements
    • Licensing requirements — Types
    • Licensing requirements — Types — Agent/Agency
    • Licensing requirements — Types — Nonresident agent
    • Licensing requirements — Types — Temporary
    • Licensing requirements — Exemptions/exceptions
    • Licensing requirements — Appointment
    • Licensing requirements — Continuing education
    • Licensing requirements — Records maintenance
    • Licensing requirements — License denial, renewal, expiration
    • Licensing requirements — License termination, revocation, suspension
    • Licensing requirements — Notification to Department of certain information
    • Licensing requirements — Notification to Department of certain information — Change of address
    • Licensing requirements — Notification to Department of certain information — Felony convictions
    • Licensing requirements — Notification to Department of certain information — Administrative action taken against a license holder
    • Marketing practices
    • Marketing practices — Unfair/Prohibited trade practices
    • Marketing practices — Unfair/Prohibited trade practices — Claims methods and practices
    • Marketing practices — Unfair/Prohibited trade practices — False advertising
    • Marketing practices — Unfair/Prohibited trade practices — Misrepresentation
    • Marketing practices — Unfair/Prohibited trade practices — Defamation
    • Marketing practices — Unfair/Prohibited trade practices — Rebating
    • Marketing practices — Unfair/Prohibited trade practices — Fraud
    • Marketing practices — Unfair/Prohibited trade practices — Boycott, coercion, intimidation
    • Marketing practices — Unfair/Prohibited trade practices — Commingling
    • Marketing practices — Unfair/Prohibited trade practices — Unfair discrimination
    • Agent duties/responsibilities
    • Agent duties/responsibilities — Commission sharing
    • Texas Life and Health Guaranty Association
  • II. TEXAS STATUTES AND RULES PERTINENT TO LIFE INSURANCE ONLY
    • Marketing and Solicitation
    • Marketing and Solicitation — Advertising/Illustrations
    • Marketing and Solicitation — Policy Summary/Buyer’s Guide
    • Individual life and annuity policy provisions
    • Individual life and annuity policy provisions — Free look
    • Individual life and annuity policy provisions — Grace period
    • Individual life and annuity policy provisions — Policy loans
    • Individual life and annuity policy provisions — Prohibited provisions
    • Individual life and annuity policy provisions — Incontestability
    • Individual life and annuity policy provisions — Entire Contract
    • Individual life and annuity policy provisions — Premiums payable in advance
    • Individual life and annuity policy provisions — Statement of insured
    • Individual life and annuity policy provisions — Misstatement of age
    • Individual life and annuity policy provisions — Time for Settlement of a Claim
    • Individual life and annuity policy provisions — Designation of beneficiary, transfer, or assignment of policy
    • Individual life and annuity policy provisions — Assignment of benefits
    • Individual life and annuity policy provisions — Accelerated Term Life benefits
    • Individual life and annuity policy provisions — Reinstatement
    • Individual life and annuity policy provisions — Limitations of lawsuits
    • Individual life and annuity policy provisions — Settlement at maturity
    • Group life
    • Group life — Group eligibility and underwriting requirements
    • Group life — Conversion to individual policy
    • Group life — Dependent coverage
    • Group life — Assignment
    • Group life — Required provisions
    • Group life — Accelerated benefits
    • Credit life
    • Replacement
    • Replacement — Purpose
    • Replacement — Definitions
    • Replacement — Duties of agent
    • Replacement — Duties of replacing insurance company
    • Nonforfeiture law
  • III. Texas statutes and rules pertinent to accident and health insurance only
    • Required group and individual policy provisions
    • Required group and individual policy provisions — Coverage for newborns
    • Required group and individual policy provisions — Definition of dependent
    • Required group and individual policy provisions — Coverage for chemical dependency
    • Medicare supplement
    • Medicare supplement — Minimum standards
    • Medicare supplement — Cancellation
    • AIDS testing requirements
    • Long Term Care
    • Small group health insurance
    • Small group health insurance — Eligibility
    • Small group health insurance — Coverage and Benefits
    • Affordable Care Act
    • Affordable Care Act — Exchanges/Marketplace (Section 1321)
    • Affordable Care Act — Taxes and subsidies (Section 1401, 1402)
    • Affordable Care Act — Essential health benefits (Section 1302, 18022)
    • Affordable Care Act — Essential health benefits (Section 1302, 18022) — Mental health and substance use disorder services
    • Affordable Care Act — Essential health benefits (Section 1302, 18022) — Pediatric services
    • Affordable Care Act — Essential health benefits (Section 1302, 18022) — Preventive services
    • Affordable Care Act — Employer notification responsibilities (Section 1511-1515)
  • IV. TEXAS STATUTES AND RULES PERTINENT TO HEALTH MAINTENANCE ORGANIZATIONS (HMOS)
    • Definitions
    • Evidence of coverage
    • Nonrenewal/cancellation
    • Enrollment
    • Out of network claims
Examination sources