Life Insurance Riders and Provisions Practice Questions
Section II of the general-knowledge outline · Texas General Lines Life, Accident and Health: 15 scored questions
Ten questions on life policy riders, provisions, options and exclusions, untimed, with a worked answer after each one.
Or take the full Life and Health mock examGwen uses the long-term care rider on her life policy to pay for care after she cannot perform several activities of daily living. How do these payments affect her policy?
Life policy riders, provisions, options and exclusions on the exam
Outline section II is 15 of the 100 general-knowledge questions. It is the most detailed part of the life outline: the riders you can add, the provisions every policy carries and the options the owner chooses.
- Outline
- Section II: Riders, beneficiary designations, premium payment, nonforfeiture and dividend options, incontestability, settlement options and exclusions
- Share of the exam
- Life and Health general knowledge: 15 of 100 scored questionsTexas General Lines Life, Accident and Health: 15 of 130 scored questionsTexas Life Agent: 15 of 80 scored questions
- Our drill
- 10 questions from 54 on this section, untimed, a worked answer after each; one free attempt, unlimited with a pass
What to know
- Waiver of premium keeps the policy in force without premiums while the insured is totally disabled, after a waiting period. Guaranteed insurability lets the insured buy more coverage at set ages or life events without evidence of insurability. Payor benefit waives a juvenile policy’s premiums if the adult payor dies or is disabled.
- The incontestable clause stops the insurer from contesting the policy for misstatements in the application once it has been in force for two years during the insured’s lifetime. Nonpayment of premium can still end the policy.
- The grace period keeps the policy in force for at least a month after a missed premium. If the insured dies during the grace period, the insurer pays the death benefit minus the overdue premium.
- Nonforfeiture options protect the cash value when premiums stop: cash surrender, reduced paid-up insurance (same type of policy, lower face, no more premiums) or extended term (the full face amount as term for as long as the cash value buys).
- If the insured’s age or gender was misstated, the insurer adjusts the benefit to what the premiums paid would have bought at the correct age or gender. It does not void the policy.
- A revocable beneficiary can be changed by the owner at any time; an irrevocable beneficiary must consent to a change. Settlement options include interest only, fixed period, fixed amount and life income.
Test yourself on life policy riders, provisions, options and exclusions
Ten questions on life policy riders, provisions, options and exclusions, untimed, with a worked answer after each one.
Or take the full Life and Health mock examCommon questions
How many life policy riders, provisions, options and exclusions questions are on the exam?
Section II is 15 of the 100 scored general-knowledge questions on the Texas General Lines exam and 15 of the 50 on the Texas Life Agent 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
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.