Every number on the Texas Life & Health, with its source
36 exact values pulled out of the study guides and put in one place, each one carrying the statute, rule or standard it comes from. These are the figures the exam turns on and the ones people lose points to — the difference between 14 days and 21 days is a whole question.
36 values
Health Policy Provisions, Clauses and Riders
| Grace period | 7 / 10 / 31 days (TIC 1201.209) |
| Time limit on defenses | 2 years (TIC 1201.208) |
| Reinstatement approval | Day 45 if no notice (TIC 1201.210) |
| Sickness after reinstatement | Covered if it begins after 10 days |
| Notice of claim | 20 days (TIC 1201.211) |
| Claim forms | 15 days (TIC 1201.212) |
| Proof of loss | 90 days, 1-year outer limit (TIC 1201.213) |
| Legal actions | After 60 days, within 3 years (TIC 1201.217) |
| Insurer cancellation notice | 5 days (TIC 1201.224) |
Texas Licensing and Marketing Law
| Commissioner's term | 2 years, appointed by the governor (TIC 31.022) |
| Maximum administrative penalty | $25,000 per violation (TIC 84.022) |
| Longest suspension | 1 year (TIC 82.052) |
| Temporary license | 180 days, no exam (TIC 4001.152, .155) |
| Continuing education | 24 hours, 3 ethics, 50% classroom (TIC 4004) |
| Promotional gift limit | $25 (TIC 541.058) |
| Claim acknowledgment | 15 days (TIC 542.055) |
| Accept or reject | 15 business days (TIC 542.056) |
| Fraud report | Within 30 days, in writing (TIC 701.051) |
| Guaranty: life death benefit | $300,000 (TIC 463.204) |
Texas Health Insurance and HMO Law
| Newborn coverage | From birth, congenital defects included (TIC 1367.003) |
| Dependent child age | Under 25, or any age if disabled (TIC 1501.002) |
| Medicare supplement free look | 30 days |
| HIV adverse decision | 2 ELISA + Western Blot (28 TAC 21.705) |
| LTC renewability | At least guaranteed renewable (28 TAC 3.3822) |
| Eligible employee | Full time, usually 30+ hours (TIC 1501.002) |
| HMO cancellation | Nonpayment or reason in rule (TIC 843.208) |
| Capitation start | Within 60 days of PCP selection (TIC 843.315) |
Texas Life Insurance Law
| Grace period (individual) | At least 1 month (TIC 1101.005) |
| Incontestability | 2 years (TIC 1101.006) |
| Policy loans | After 3 full years of premiums (TIC 1101.009) |
| Death claim settlement | 2 months (TIC 1101.011) |
| Backdating limit | 6 months (TIC 1101.054) |
| Reinstatement | 3 years (28 TAC 4.611) |
| Group life grace and conversion | 31 days each (TIC 1131.103, .110) |
| Replacement notice to existing insurer | 5 business days (TIC 1114.053) |
| Annuity free look without buyer's guide | 15 days (28 TAC 4.2311) |