25 Free Texas Life Agent Exam Practice Questions (2026)

25 min read|Updated 2026-10-21

How to Use This Texas Life Agent Question Set

Texas tests the Life Agent exam (Pearson VUE) as 90 questions in 120 minutes for $39: 80 are scored and 10 are unscored pretest items mixed in without being marked, split general knowledge (50 scored plus 5 pretest) and Texas state specific (30 scored plus 5 pretest). Passing is a scaled score of 70, not a raw count or a flat percentage, since Pearson VUE equates several different exam forms to the same scale. Texas does not require a pre-licensing course before this exam for the permanent license; the 40-hour course some candidates have heard about applies only to the temporary-license pathway, not to the path most candidates take.

The general knowledge section's 50 scored questions break down as Types of policies 15, Policy riders, provisions, options and exclusions 15, Completing the application, underwriting and delivering the policy 12, and Retirement and other insurance concepts 8. The state specific section's 30 scored questions break down as Texas statutes and rules common to life and health insurance 20, and Texas statutes and rules pertinent to life insurance only 10.

These 25 questions come from LanePrep's Texas Life Agent quiz bank and sample across Chapters 1-8 in roughly outline-weighted proportion: 2 from Chapter 1, 3 from Chapter 2, 1 from Chapter 3, 5 from Chapter 4, 2 from Chapter 5, 3 from Chapter 6, 6 from Chapter 7, and 3 from Chapter 8. Each question shows its chapter, so a miss tells you exactly which chapter to go back to.

Work them before you read the answer. Every question has the explanation folded underneath it. Guessing first and reading second teaches more than reading first and agreeing.

Practice Questions 1-5: Insurance Basics and Term Life Policies

Chapter 1 opens with the vocabulary every later chapter leans on: the difference between a hazard that increases risk and the peril that causes the loss, and the insurable interest a policyowner must hold in the insured's life at the moment a policy is issued. Chapter 2 then opens the types-of-policies section with level term, decreasing term and the renewable feature that lets a term policy continue past its original period without new proof of insurability. These five move from the concepts every policy sits on into the first family of policies that tests them.

Question 1 (Chapter 1)

Sarah frequently leaves her expensive jewelry visible in her unlocked car while running errands, thinking, 'It's okay, I have insurance to cover it if anything happens.' What type of hazard does Sarah's attitude represent in the context of insurance?

A) Physical hazard
B) Moral hazard
C) Peril hazard
D) Morale hazard

Show answer & explanation

Answer: D

Sarah's attitude of indifference or carelessness, which increases the likelihood of a loss, is characteristic of a morale hazard. A physical hazard is a physical condition that increases risk (e.g., a heart condition). A moral hazard involves dishonesty or a tendency to defraud (e.g., faking a loss). Peril is the cause of loss itself, not a condition that increases its likelihood.

Question 2 (Chapter 1)

Mr. Chen wishes to purchase a life insurance policy on his neighbor, Mr. Davis, whom he admires greatly but has no financial relationship with. Mr. Chen plans to name himself as the beneficiary. Under Texas insurance law, which of the following statements regarding insurable interest is TRUE?

A) Mr. Chen has an insurable interest because he admires Mr. Davis, fulfilling the emotional connection requirement.
B) Insurable interest is only required at the time of the insured's death, not at policy inception.
C) Any person can purchase a life insurance policy on another person, regardless of insurable interest, as long as the insured consents.
D) Mr. Chen must have an insurable interest in Mr. Davis's life at the time of the policy's inception for the policy to be valid.

Show answer & explanation

Answer: D

For a life insurance policy to be valid, the policyowner (Mr. Chen) must have an insurable interest in the life of the insured (Mr. Davis) at the time the policy is issued (inception). Insurable interest typically involves a financial or blood relationship, or a legal dependency. Admiration alone does not constitute insurable interest. While the insured's consent is often required, it does not override the insurable interest requirement.

Question 3 (Chapter 2)

Maria, a 35-year-old professional, is looking for life insurance coverage that will provide a fixed death benefit for her family for the next 20 years, during which her children will be financially dependent. She wants the most affordable premium possible and understands that the policy will not accumulate cash value. Which type of policy would best suit Maria's needs?

A) Decreasing Term Life
B) Level Term Life
C) Whole Life
D) Increasing Term Life

Show answer & explanation

Answer: B

Maria's need for a fixed death benefit over a specific period (20 years) with the most affordable premium points directly to Level Term Life insurance. Level Term policies provide a constant death benefit and premium for the entire term, offering pure protection without cash value accumulation. Decreasing Term would have a decreasing death benefit, which doesn't match her need for a 'fixed' benefit. Whole Life provides permanent coverage and cash value, making it more expensive than pure term. Increasing Term would have a growing death benefit, which is not her primary stated need for affordability and a fixed benefit.

Question 4 (Chapter 2)

John recently purchased a new home with a 30-year mortgage. He wants to ensure that if he passes away prematurely, his family will have the funds to pay off the remaining mortgage balance. He is looking for a life insurance policy where the death benefit aligns with the decreasing balance of his mortgage over time. Which type of policy is most appropriate for John?

A) Level Term Life
B) Decreasing Term Life
C) Increasing Term Life
D) Return-of-Premium Term Life

Show answer & explanation

Answer: B

Decreasing Term Life insurance is specifically designed for situations like mortgages or other loans where the financial obligation decreases over time. The death benefit of a Decreasing Term policy reduces over the policy term, typically matching the amortization schedule of a loan, while the premiums usually remain level. Level Term provides a constant death benefit, Increasing Term provides a growing death benefit, and Return-of-Premium Term focuses on premium return, none of which align with John's specific need to cover a decreasing debt.

Question 5 (Chapter 2)

Sarah purchased a 10-year Level Term life insurance policy. As the end of the term approaches, she realizes her financial obligations still exist, and she wants to continue her coverage without undergoing another medical examination or proving her insurability. Which feature of her policy would allow her to do this?

A) Convertible Feature
B) Renewable Feature
C) Waiver of Premium Rider
D) Guaranteed Insurability Rider

Show answer & explanation

Answer: B

The Renewable Feature allows a policyowner to renew a term policy at the end of its term without providing new evidence of insurability. While the premiums will increase due to the insured's attained age, the coverage continues. A Convertible Feature allows converting to a permanent policy. Waiver of Premium is a rider that waives premiums if the insured becomes disabled. A Guaranteed Insurability Rider allows purchasing additional coverage at specified future dates without proof of insurability, not renewing an existing term policy.

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Practice Questions 6-10: Annuities and Life Policy Provisions

Chapter 3 covers annuities and the longevity risk they transfer from an individual to the insurer. Chapter 4 then moves into the provisions built into nearly every life policy: what happens to the death benefit when a primary beneficiary predeceases the insured, the nonforfeiture option that keeps coverage in force for life without further premiums, the misstatement of age provision that adjusts rather than voids a claim, and the dividend option that buys additional paid-up coverage without new underwriting.

Question 6 (Chapter 3)

Maria, a 68-year-old retiree, is concerned about outliving her savings. She has a substantial lump sum from the sale of her business and wants to ensure a guaranteed income stream for the rest of her life, regardless of how long she lives. Which fundamental purpose of an annuity is Maria primarily seeking to address?

A) Capital accumulation for future generations.
B) Tax-free investment growth.
C) Transfer of longevity risk.
D) Short-term liquidity for emergencies.

Show answer & explanation

Answer: C

Maria's concern about outliving her savings directly relates to longevity risk. Annuities are specifically designed to transfer this risk from the individual to the insurance company by providing guaranteed income for life. While annuities offer tax-deferred growth (not tax-free) and can accumulate capital, Maria's primary stated concern is outliving her money, which is addressed by the transfer of longevity risk. Annuities are generally not ideal for short-term liquidity.

Question 7 (Chapter 4)

An insured purchased a life insurance policy and named his wife, Sarah, as the primary beneficiary and his son, David, as the contingent beneficiary. Five years later, Sarah passed away. Two years after Sarah's death, the insured passed away. Who will receive the death benefit from the policy?

A) David, as the contingent beneficiary.
B) The insured's estate, as Sarah is no longer alive.
C) Sarah's estate, as she was the primary beneficiary.
D) The death benefit will be split equally between David and the insured's estate.

Show answer & explanation

Answer: A

In this scenario, the primary beneficiary (Sarah) predeceased the insured. When the primary beneficiary is no longer alive at the time of the insured's death, the death benefit passes to the contingent beneficiary. David, as the contingent beneficiary, will receive the entire death benefit. The insured's estate would only receive the benefit if both the primary and contingent beneficiaries were deceased or if no beneficiaries were named.

Question 8 (Chapter 4)

A policyowner purchased a whole life insurance policy. After 7 years, she decided she could no longer afford the premiums but still wanted to maintain some level of life insurance coverage without paying any further premiums. Which nonforfeiture option should she choose?

A) Cash Surrender Value
B) Extended Term Insurance
C) Automatic Premium Loan
D) Reduced Paid-Up Insurance

Show answer & explanation

Answer: D

The Reduced Paid-Up Insurance option allows the policyowner to use the policy's cash value to purchase a new, smaller, fully paid-up whole life policy. This means no further premiums are due, and coverage continues for life, albeit at a reduced face amount. Cash Surrender Value would terminate the policy and pay out the cash value. Extended Term Insurance would provide the same face amount for a limited period, not for life. Automatic Premium Loan uses the cash value to pay overdue premiums, which is not what the policyowner wants if they can no longer afford premiums at all.

Question 9 (Chapter 4)

An insured purchased a life insurance policy and mistakenly stated her age as 35 on the application, when in fact she was 40. Five years later, she dies. What action will the insurance company most likely take regarding the death benefit?

A) Void the policy due to material misrepresentation and return all premiums paid.
B) Pay the full death benefit as the incontestability period has passed.
C) Charge the beneficiary the difference in premiums that should have been paid.
D) Adjust the death benefit to the amount that the premiums paid would have purchased at the correct age of 40.

Show answer & explanation

Answer: D

The Misstatement of Age or Sex provision states that if the insured's age or sex was incorrectly stated, the policy will not be voided. Instead, the death benefit will be adjusted to the amount that the premium paid would have purchased at the correct age or sex. This is a standard provision and applies regardless of the incontestability period. The policy is not voided, and the beneficiary is not charged additional premiums.

Question 10 (Chapter 4)

A policyowner has a participating whole life insurance policy and wants to use the annual dividends to increase the policy's death benefit without undergoing additional underwriting. Which dividend option should they choose?

A) Cash Payout
B) Reduction of Premium
C) Accumulate at Interest
D) Paid-Up Additions

Show answer & explanation

Answer: D

The Paid-Up Additions dividend option uses the dividends to purchase small, single-premium, paid-up whole life policies. These additions increase the policy's death benefit and cash value, and typically do not require additional underwriting. Cash Payout provides the dividend in cash. Reduction of Premium uses the dividend to offset the next premium payment. Accumulate at Interest leaves the dividends with the insurer to earn interest, but does not increase the death benefit directly.

Practice Questions 11-15: Policy Provisions, Applications and Business Uses

Chapter 4 closes with the suicide clause that limits a claim to a return of premium within its stated period. Chapter 5 then covers completing the application itself: who must sign it, and how a mistake on the form gets corrected. Chapter 6 opens with insurable interest in a business context and the tax treatment that separates an accelerated death benefit from a life settlement.

Question 11 (Chapter 4)

A life insurance policy was issued on January 1, 2022. On October 15, 2023, the insured committed suicide. Assuming the policy contains a standard suicide clause, what will the insurance company pay?

A) The full death benefit.
B) The full death benefit plus any accumulated interest.
C) Nothing, as suicide is an excluded cause of death.
D) A refund of the premiums paid.

Show answer & explanation

Answer: D

Most life insurance policies include a suicide clause that states if the insured commits suicide within a specified period (typically two years from the policy's issue date), the insurer will only refund the premiums paid, without interest. Since the suicide occurred within this two-year period (January 1, 2022, to October 15, 2023), only the premiums will be refunded. If the suicide occurred after the two-year period, the full death benefit would typically be paid.

Question 12 (Chapter 5)

A life insurance agent, Sarah, is helping a client, Mr. Chen, complete an application for a new life insurance policy. Mr. Chen is applying for coverage on his adult son, David, who lives in another state. Who must sign the application form for it to be considered complete and valid?

A) Mr. Chen (applicant), David (insured), and Sarah (producer).
B) Only Mr. Chen, as the applicant and premium payor.
C) Only David, as the insured, and Sarah, as the producer.
D) Mr. Chen (applicant) and Sarah (producer); David's signature is not required if he is an adult.

Show answer & explanation

Answer: A

For a life insurance application, the applicant (Mr. Chen), the insured (David, if different from the applicant), and the producer (Sarah) must all sign the form. The insured's signature grants consent for the coverage and the release of medical information.

Question 13 (Chapter 5)

During the application process for a life insurance policy, an applicant, Maria, realizes she accidentally wrote her birth year incorrectly. The agent, Tom, notices the error. What is the correct procedure for correcting this mistake on the application form?

A) Tom, the agent, should cross out the incorrect year, write the correct one, and initial the change.
B) Tom should use correction fluid to cover the error and then write the correct year.
C) A new application form must be completed entirely to avoid any discrepancies.
D) Maria must cross out the incorrect year, write the correct one, and initial the change.

Show answer & explanation

Answer: D

Any changes or corrections made to an insurance application must be initialed by the applicant, not the producer. This confirms the applicant's awareness and approval of the modification. While a new application is an option for extensive changes, a simple correction can be initialed.

Question 14 (Chapter 6)

A Texas business owner wants to purchase a life insurance policy on a key employee. The business will be the policyowner and beneficiary. Under Texas law, at what point must insurable interest exist for this policy to be valid?

A) At the time of the insured's death.
B) When the policy is delivered to the owner.
C) Only if the policy is transferred to a new owner.
D) At the time the policy application is submitted.

Show answer & explanation

Answer: D

Under Texas Insurance Code Chapter 1103, insurable interest must exist at the inception of the contract, which is typically at the time of application. This prevents policies from being taken out by individuals who would benefit from another's death without a legitimate relationship. Options A, B, and C describe points in time where insurable interest is not solely required, or misstate the requirement.

Question 15 (Chapter 6)

An insured individual in Texas, diagnosed with a terminal illness, is considering options for accessing funds from their life insurance policy. They are offered two choices: either a life settlement from a third-party investor or accelerated death benefits from their insurer. What is a key tax distinction between the proceeds received from an accelerated death benefit and a life settlement for a terminally ill insured?

A) Both are generally subject to ordinary income tax.
B) Life settlement proceeds are always tax-free, while accelerated benefits are taxable.
C) Both are considered a return of premium and are never taxed.
D) Accelerated death benefits are generally received income tax-free, while life settlement proceeds may be taxable.

Show answer & explanation

Answer: D

Accelerated death benefits received by a terminally ill insured are generally treated as a death benefit and are income tax-free. However, proceeds from a life settlement, which is the sale of a policy to a third party, may be taxable as a capital gain or ordinary income, depending on the amount received relative to the cost basis. Options A, B, and C misstate the tax treatment of one or both types of proceeds.

Practice Questions 16-20: Group Life and Texas Licensing Law

Chapter 6 closes with the participation rule for a noncontributory group life plan. Chapter 7 then opens the Texas state specific section: the Commissioner's authority to examine an agent's records, how Texas classifies an insurer formed in another state, the temporary license issued without examination at a sponsoring insurer's request, and the 24-hour continuing education requirement with its 3-hour ethics minimum.

Question 16 (Chapter 6)

An employer in Texas is setting up a new group life insurance plan for its employees. The employer decides to pay 100% of the premiums for all eligible employees. Under this noncontributory group life insurance plan, what is the typical participation requirement for eligible employees?

A) At least 75% of eligible employees must participate.
B) A minimum of 50% of eligible employees must participate.
C) Participation is optional, with no minimum requirement.
D) All eligible employees (100%) must participate.

Show answer & explanation

Answer: D

For a noncontributory group life insurance plan, where the employer pays 100% of the premiums, virtually all eligible employees (100%) must participate. This helps prevent adverse selection. Contributory plans, where employees pay part of the premium, typically require 75% participation. Options A, B, and C describe requirements for contributory plans or incorrect participation rates.

Question 17 (Chapter 7)

An agent's records are being audited by the Texas Department of Insurance (TDI). The agent refuses to provide access to client files, claiming they are private. Under TIC 401.051, what is the Commissioner's authority in this situation?

A) The Commissioner has the power to examine the records of any person or entity transacting insurance in Texas at any time.
B) The Commissioner must obtain a court order from a district judge before viewing private files.
C) The Commissioner can only examine records if a formal consumer complaint has been filed.
D) The Commissioner may only examine records once every five years during a scheduled audit.

Show answer & explanation

Answer: A

Under TIC 401.051-.056, the Commissioner has broad authority to examine the books and records of any person or entity transacting insurance business in Texas to ensure compliance with the law. Refusal to cooperate can lead to administrative penalties.

Question 18 (Chapter 7)

An insurance company is incorporated in Oklahoma but is authorized to do business in Texas. How would this insurer be classified according to the Texas Insurance Code?

A) Domestic
B) Foreign
C) Alien
D) Admitted Alien

Show answer & explanation

Answer: B

A company incorporated under the laws of another state (like Oklahoma) is considered a 'foreign' insurer in Texas. A 'domestic' insurer is incorporated in Texas, and an 'alien' insurer is incorporated in another country.

Question 19 (Chapter 7)

A prospective agent wants to begin selling life insurance policies immediately while waiting to take the state exam. A sponsoring insurance company requests a temporary license for this individual. How long is this temporary license valid?

A) 90 days
B) 180 days
C) 120 days
D) One year

Show answer & explanation

Answer: B

Under TIC 4001.151-.156, a temporary license is valid for 180 days. It is issued without examination at the request of a sponsoring insurer to allow the individual to receive training and begin limited activities.

Question 20 (Chapter 7)

Agent Sarah is completing her continuing education (CE) requirements for her Texas Life Agent license. She has been licensed for four years. Which of the following correctly describes her CE obligation?

A) 24 hours every two years, including 3 hours of ethics.
B) 30 hours every two years, including 2 hours of ethics.
C) 15 hours every year, including 5 hours of ethics.
D) 20 hours every two years, with no specific ethics requirement.

Show answer & explanation

Answer: A

According to TIC 4004.051 and 28 TAC 19.1010, Texas agents must complete 24 hours of continuing education every two-year reporting period, and at least 3 of those hours must be in ethics.

Practice Questions 21-25: Texas Agent Conduct and Advertising Rules

Chapter 7 closes with the unfair trade practice of defaming a competing insurer's financial condition and the $25 de minimis exception that lets an agent give a client a small gift without it being rebating. Chapter 8 then closes the outline with the advertising rule against calling a policy's cash value an 'investment,' the illustration rule that separates guaranteed from non-guaranteed values, and the point in the sales process when the Buyer's Guide and Policy Summary must reach the applicant.

Question 21 (Chapter 7)

During a sales presentation, an agent tells a client that the competitor's insurance company is currently under investigation for fraud and is likely to go bankrupt, even though the agent knows this is untrue. Which unfair trade practice has the agent committed?

A) Twisting
B) Defamation
C) Rebating
D) Coercion

Show answer & explanation

Answer: B

TIC 541.053 defines defamation as making any oral or written statement that is false or maliciously critical of the financial condition of an insurer and is intended to injure a person in the insurance business.

Question 22 (Chapter 7)

Agent Mike wants to thank a client for purchasing a large whole life policy. He offers the client a $20 gift card to a local restaurant. Is this allowed under Texas law?

A) Yes, provided the gift does not exceed $25 in value.
B) No, any gift of any value is considered illegal rebating.
C) Yes, as long as the gift is not cash.
D) No, gifts are only allowed if they are branded with the insurance company's logo.

Show answer & explanation

Answer: A

Under TIC 541.058(b)(7), there is a de minimis exception to the rebating rule. Agents may provide promotional items or gifts that do not exceed $25 in value.

Question 23 (Chapter 8)

An agent is preparing a sales presentation for a client. In the presentation materials, the agent refers to the cash value growth of a whole life policy as a 'guaranteed investment plan' that will outperform local savings accounts. Which statement best describes this action under Texas law?

A) This is acceptable as long as the agent provides a Buyer's Guide.
B) This is permitted if the insurer's home office has approved the specific wording.
C) This is only a violation if the interest rate mentioned is higher than 5%.
D) This is a violation of 28 TAC 21.114, which prohibits using the term 'investment' to describe the death benefit or cash value of a life insurance policy.

Show answer & explanation

Answer: D

Under Texas Administrative Code (28 TAC 21.114), advertisements and sales presentations must not use terms like 'investment,' 'investment plan,' or 'profit-sharing' in a way that implies the policy is anything other than life insurance.

Question 24 (Chapter 8)

Sarah is reviewing a life insurance illustration provided by her agent. The illustration shows a potential cash value of $50,000 in year 20, but only $32,000 is based on the policy's guaranteed interest rate. According to 28 TAC 4.1003, how must this be presented?

A) The agent must verbally explain the difference but does not need to show it in writing.
B) The illustration must clearly distinguish between guaranteed and non-guaranteed values.
C) The illustration can only show guaranteed values.
D) The non-guaranteed values must be printed in a larger font than the guaranteed values.

Show answer & explanation

Answer: B

Texas law (28 TAC 4.1003) requires that any life insurance illustration used in a sale must clearly distinguish between guaranteed and non-guaranteed values to prevent misleading the consumer.

Question 25 (Chapter 8)

An agent meets with a prospective client to discuss a new life insurance policy. At what point must the agent provide the 'Buyer's Guide' and a 'Policy Summary' to the applicant under Texas law?

A) Only if the applicant specifically requests them in writing.
B) At or before the time the application is taken.
C) Within 30 days after the policy is issued.
D) During the medical examination process.

Show answer & explanation

Answer: B

According to 28 TAC 4.2310, the Buyer's Guide and Policy Summary must generally be provided to the applicant at or before the time the application is taken to ensure they are fully informed before committing to the purchase.

The Mistakes That Cost Marks

Walking into the Texas-specific section under-prepared. The state section is 30 of the 80 scored questions, more than a third of the exam, and it is state statute and Texas Administrative Code rule rather than general insurance concept. Treating it as a quick afterthought after the general knowledge chapters is the most common way to come up short of a scaled score of 70.

Confusing the entire contract provision with the statement of insured. TIC 1101.003 is the entire contract provision: the policy, the application and any attached riders make up the whole agreement. TIC 1101.007 is a separate section, the statement of insured. Mixing up these two adjacent numbers on an exam question costs an easy point.

Treating the 30-day replacement right of return as a free look. TIC 1114.053(e) gives a replaced policy a 30-day right of return, a figure some test-prep shortcuts shrink to '20 days.' It sits inside Chapter 1114's replacement rules, not the general free-look provision at 28 TAC 4.2311, and the two should not be merged into one number.

Assuming a misstatement of age voids the policy. TIC 1101.008 adjusts the death benefit to what the premium paid would have purchased at the correct age. It does not void the contract or let the insurer deny the claim outright.

Assuming the General Lines exam's question count, time limit or fees apply here. The Life Agent exam is a separate product with its own 90-question, 120-minute, $39 format; figures that describe a different Texas exam do not carry over to this one.

Your Next Step

How did you score?

20 or more correct: You're clearing most of the outline across both the general and Texas sections. Work the two deeper sets next: the policy types, riders and annuities set and the Texas insurance law set, then read how to pass the Texas Life Agent exam on the first try for the full study plan.

12-19 correct: You're getting a good share of it, but these 25 questions stand in for an exam of 80 scored items. Note the chapter of every question you missed and replay that chapter's audio lesson before moving to the deeper sets above.

Under 12 correct: You need the material, not more questions yet. Start with the free preview at /tx/life/preview and work through the audio chapters in order before testing yourself again. The Life Agent exam's first-time pass rate ran 45-46% in the three months ending September 2026, the lowest of the three main Texas agent exams, so this is not a section to guess through.

For the full cost picture beyond the exam fee, see how much a Texas Life Agent license costs. The LanePrep Texas Life Agent course and its free preview are a click away whenever you're ready to go deeper.

Exam structure, fees and content outline weights from Pearson VUE's Texas candidate handbook (124400) and examination content outlines effective September 1, 2026 (124401). Pass rates from Pearson VUE's monthly Texas insurance exam pass-rate reports, July through September 2026. Read October 2026.

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