Texas Life & Health · Official sections
The 13 outline sections, with the statutes that change the answer.
The September 2026 Pearson VUE outline scores 130 items. Open a section for the printed locator, common mix-ups, and the Insurance Code provision that actually decides the item.
15 scored items
General knowledge I: Types of life policies
The largest general-knowledge life block. The outline tests term, whole life, flexible-premium, variable, group versus individual, and annuity basics as distinct product families.
15 scored items
General knowledge II: Policy riders, provisions, options, and exclusions
Riders and standard provisions. Waiver of premium, guaranteed insurability, settlement options, and nonforfeiture are separate tools — they are not interchangeable labels.
12 scored items
General knowledge III: Completing the application, underwriting, and delivering the policy
Application statements, materiality, insurable interest, and delivery. Texas law does not let every inaccurate statement void a claim.
8 scored items
General knowledge IV: Retirement and other insurance concepts
Qualified plans, IRAs, and policy-liquidity ideas such as life settlements. A settlement is a sale of an in-force policy, not a tax label on an overfunded contract.
16 scored items
General knowledge V: Types of health policies
The largest health block. HMO, PPO, major medical, disability, long-term care, and Medicare supplement are tested as different products with different network and cost-sharing rules.
15 scored items
General knowledge VI: Health policy provisions, clauses, and riders
Deductible, coinsurance, out-of-pocket limits, grace periods by premium mode, and renewability wording. Arithmetic and definitions are both in play.
6 scored items
General knowledge VII: Social insurance
A short, high-miss block. Original Medicare Part A is hospital insurance; Part B is medical insurance for doctor and outpatient services. Parts C and D are separate structures.
5 scored items
General knowledge VIII: Other insurance concepts
Tax treatment of life proceeds and related concepts. A lump-sum death benefit is generally excluded from income; interest that accrues after death is not.
8 scored items
General knowledge IX: Field underwriting procedures
Agent conduct on the application. Texas individual accident-and-health rules do not let an agent quietly fill in a blank after the applicant has signed.
14 scored items
State specific I: Texas statutes and rules common to life and health insurance
The largest Texas-law block: licensing, appointments, continuing education, unauthorized insurance, the guaranty association, and unfair practices. A license is not an appointment.
6 scored items
State specific II: Texas statutes and rules pertinent to life insurance only
Texas life-policy rules. The official outline’s printed citation for the grace period is 1101.105; the codified section is 1101.005. The statute requires at least one month after the first premium.
7 scored items
State specific III: Texas statutes and rules pertinent to accident and health insurance only
Texas individual and small-employer health rules. Chapter 1501’s small-employer definition is two to 50 employees — not “under 50” and not a single employee.
Cite: §1501.002 — small employer (2–50) · §1201.271 — application alteration
3 scored items
State specific IV: Texas statutes and rules pertinent to HMOs
A small section that still costs retakers points. Texas defines HMO emergency care by a prudent-layperson standard, not by later utilization review.
Free · 8 minutes
Find the sections still costing you points.
Fifteen original questions across the official sections. No email or card required. Not an official exam and not a pass prediction.
Independent exam preparation
ExamRefine is not the official exam, an approved prelicensing course, or a guarantee of licensure. It is not affiliated with or endorsed by the Texas Department of Insurance, Pearson VUE, or any insurer. Questions are original and mapped to official public sources. They are not recalled live-exam items.