Free Texas Life Agent Practice Test (2026)
Blueprint-weighted questions drawn from all 6 official domains. Timed at the real exam pace. You can pause; progress is saved on this device.
60 questions · 80 minutes
Pass line: 70%, same as the real exam
No feedback until you submit — like the real thing.
About this Texas Life Agent practice test
It has 60 questions drawn from every area of the official outline in the same proportions as the real exam, with 80 minutes, the real exam's pace. This practice test's pass line is 70%. The real exam has 80 scored questions plus 10 unscored pretest questions in 120 minutes.
You can pause and come back: progress is saved on this device. When you finish you get a score for each area, so you can see where your points are going.
What it covers
| Area | Share of the exam | Practice |
|---|---|---|
| Types of Life Policies and Annuities | 18.8% | Practice this area |
| Life Policy Riders, Provisions, Options and Exclusions | 18.8% | Practice this area |
| Application, Underwriting, Policy Delivery and Contract Law | 15% | Practice this area |
| Retirement and Other Insurance Concepts | 10% | Practice this area |
| Texas Statutes and Rules Common to Life and Health | 25% | Practice this area |
| Texas Statutes and Rules — Life Insurance Only | 12.5% | Practice this area |
5 sample questions
These questions are part of the practice test above. Each answer stays hidden until you open it.
1. A universal life policy uses death benefit Option A (level). As the policy's cash value grows over time, what happens to the net amount at risk?
- A. It increases, because the total death benefit rises right along with the cash value.
- B. It decreases, because the exposure is the specified amount minus the cash value.
- C. It stays constant, because the net amount at risk is fixed at policy issue.
- D. It becomes zero once the cash value exceeds half of the specified amount.
Show the answer
Answer: B. Under death benefit Option A the total death benefit stays level, so the insurer's pure insurance exposure (specified amount minus cash value) shrinks as the cash value builds, and the monthly cost of insurance is charged against that shrinking net amount at risk. Choice A is the closest distractor: a death benefit that rises with the cash value describes death benefit Option B, but even under Option B the net amount at risk stays level at the specified amount rather than increasing. Choice C states the Option B result, not the Option A result.
2. Luis owns a whole life policy with a waiver of premium rider. He has been totally disabled for eight months. How does the rider respond?
- A. His premiums are only postponed and must be repaid with interest when he recovers.
- B. After the waiting period, premiums are waived while total disability continues.
- C. The policy automatically converts to reduced paid-up insurance instead.
- D. Premiums are waived for a maximum of one year from the date of disability.
Show the answer
Answer: B. Waiver of premium excuses premiums during total disability after a waiting period (commonly six months), and many riders refund premiums paid during that wait; cash values and dividends continue as if premiums were paid. Option A describes a loan arrangement, not a waiver — waived premiums never have to be repaid. On universal life, the comparable rider is waiver of monthly deductions.
3. During underwriting, an insurer receives coded information about an applicant from the Medical Information Bureau (MIB). Which statement about the MIB is TRUE?
- A. Its reports come directly from treating physicians, who are required to send patient records
- B. It is a nonprofit member organization that exchanges coded underwriting information
- C. An insurer may decline an application based solely on information in an MIB report
- D. Its report eliminates the need for an attending physician’s statement entirely
Show the answer
Answer: B. The MIB's information comes from prior applications submitted to member insurers, and its purpose is to alert underwriters to discrepancies that deserve further investigation. An insurer may not decline or rate an applicant solely on MIB data — the information must be verified through other sources, such as an attending physician's statement.
4. A cash value life insurance policy becomes a modified endowment contract (MEC) when:
- A. Its cash value at any point during the contract exceeds the policy’s stated death benefit
- B. The policy is exchanged under Section 1035 within seven years of its original issue date
- C. The owner takes a policy loan against the cash value during the first seven years
- D. Premiums in the first seven years exceed the seven-pay net level premium limit
Show the answer
Answer: D. The seven-pay test compares cumulative premiums actually paid in each of the first seven contract years against the seven-pay net level premium; exceeding it at any point makes the contract a MEC. Choice C reverses cause and effect — a loan does not create MEC status, but a loan taken from a contract that is already a MEC is a taxable distribution. Outline IV — taxation of life insurance.
5. Who appoints the Texas Commissioner of Insurance, and how long is the term?
- A. Texas voters, in a statewide election held every four years
- B. The governor, with the advice and consent of the senate, for a two-year term
- C. The attorney general, to serve with no fixed term
- D. The Texas legislature, by joint resolution, for a four-year term
Show the answer
Answer: B. Under TIC 31.022 the governor appoints the commissioner with the advice and consent of the senate, and the term is two years, expiring February 1 of each odd-numbered year. The commissioner is not elected; some states elect their insurance commissioner, which is why the election distractor sounds plausible.