Texas Life & Health · Retakers
Why retakers keep missing the same Texas Life & Health items.
A second attempt fails the same way the first one did when the mix-up is still intact: a national textbook answer applied to a Texas statute, or two outline sections collapsed into one label.
The five mix-ups that keep showing up
License is not appointment
A newly licensed agent still cannot sell for a company until that insurer appoints the agent. §4001.201 — appointment required. See Texas common statutes.
Not every application error voids a claim
Texas requires a material fact that affects the risks assumed. §705.051 — material misrepresentation.
The life grace period is at least one month
After the first premium, §1101.005 requires at least one month, and the policy stays in force during that window. Textbook “10-day” answers are the wrong jurisdiction.
Small employer means two to 50 employees
§1501.002 — small employer (2–50). One employee is too small. Fifty-one is too large.
HMO emergency care uses a prudent-layperson test
Chest pain at midnight is not decided by a later medical-director review. §843.002 — emergency care / prudent layperson. See Texas HMO statutes.
What to do before the next sitting
Take the free 15-question check, write down the official section titles you miss, and read those statute pages before you drill more items. Do not send or type questions you remember from the official exam.
- If I failed, should I drill more random questions?
- No. The official outline is 13 scored sections. Find which section titles you keep missing, then read the statute or regulator page that decides those items.
- Is a low practice score a prediction I will fail again?
- No. ExamRefine does not publish a pass probability. A practice count is a study list, not an exam outcome.
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.