Health Insurance Field Underwriting Practice Questions
Section IX of the general-knowledge outline · Texas General Lines Life, Accident and Health: 8 scored questions
Ten questions on health field underwriting, untimed, with a worked answer after each one.
Or take the full Life and Health mock examUnder the NAIC long-term care model regulation, Ruprecht replaces his LTC policy with a new one offering similar benefits. He had already satisfied the old policy's preexisting condition period. What applies?
Health field underwriting on the exam
Outline section IX is 8 of the 100 general-knowledge questions: the agent’s job as the insurer’s first underwriter on a health sale.
- Outline
- Section IX: Completing the application, sources of insurability information and HIPAA, the initial premium and receipts, submitting the application, delivery and replacement
- Share of the exam
- Life and Health general knowledge: 8 of 100 scored questionsTexas General Lines Life, Accident and Health: 8 of 130 scored questions
- Our drill
- 10 questions from 29 on this section, untimed, a worked answer after each; one free attempt, unlimited with a pass
What to know
- The agent asks every question on the application exactly as written and records the applicant’s answers. Any change is initialed by the applicant.
- Insurers check insurability through the application, medical exams and records, the MIB, and consumer reports governed by the Fair Credit Reporting Act. HIPAA limits how protected health information is used and disclosed.
- Submitting the first premium with the application and giving the applicant a receipt starts coverage sooner. Without a premium, the policy takes effect only when it is delivered and the first premium is paid.
- At delivery the agent explains the policy’s provisions, riders, exclusions and any rating, and collects any premium still due.
- Replacing existing health coverage needs care: a new policy can bring new waiting periods and exclusions for preexisting conditions, so the agent compares the two before recommending a switch.
Test yourself on health field underwriting
Ten questions on health field underwriting, untimed, with a worked answer after each one.
Or take the full Life and Health mock examCommon questions
How many health field underwriting questions are on the exam?
Section IX is 8 of the 100 scored general-knowledge questions on the Texas General Lines Life, Accident and Health exam.
Are these real exam questions?
No. No state or testing vendor does not release exam questions. These are original practice questions written to the published content outline, with a worked explanation and the source behind every answer.
More life and health sections
- Types of life policies and annuitiesdrill
- Life policy riders, provisions, options and exclusionsdrill
- Life application, underwriting and policy deliverydrill
- Retirement plans, group life and taxationdrill
- Types of health policiesdrill
- Health policy provisions, clauses and ridersdrill
- Social insurance and other health conceptsdrill
Outline and facts checked November 2026: Texas Insurance Content Outlines (effective September 1, 2026) · NAIC Uniform Individual Accident and Sickness Policy Provision Law · Texas Insurance Licensing Candidate Handbook.
Original independent practice questions written to the published Pearson VUE content outline. Not affiliated with or endorsed by Pearson VUE, the Texas Department of Insurance or any state insurance department.