Life Insurance Application and Underwriting Practice Questions
Section III of the general-knowledge outline · Texas General Lines Life, Accident and Health: 12 scored questions
Ten questions on life application, underwriting and policy delivery, untimed, with a worked answer after each one.
Or take the full Life and Health mock examSaoirse stops paying premiums on her life policy, and the insurer cannot sue her for the missed payments. Which characteristic of insurance contracts does this illustrate?
Life application, underwriting and policy delivery on the exam
Outline section III is 12 of the 100 general-knowledge questions: the agent’s part in the sale, from the application and the first premium to underwriting, delivery and the legal nature of the contract.
- Outline
- Section III: Completing the application, warranties and representations, receipts, replacement, privacy rules, underwriting, policy delivery and contract law
- Share of the exam
- Life and Health general knowledge: 12 of 100 scored questionsTexas General Lines Life, Accident and Health: 12 of 130 scored questionsTexas Life Agent: 12 of 80 scored questions
- Our drill
- 10 questions from 43 on this section, untimed, a worked answer after each; one free attempt, unlimited with a pass
What to know
- The applicant (and the policyowner, if different) and the agent sign the application. A change to an answer is initialed by the applicant; an agent never alters an answer on their own.
- Statements in a life application are representations, true to the best of the applicant’s knowledge, not warranties. A material misrepresentation lets the insurer contest the policy during the contestable period.
- Collecting the first premium with the application gets the applicant a receipt. A conditional receipt makes coverage effective on the application date (or the medical exam, if later) provided the applicant is insurable as applied for.
- Insurable interest must exist when the policy is applied for, not at the insured’s death. Stranger-originated life insurance (STOLI) is arranged so an investor with no insurable interest can collect the death benefit, which defeats the insurable interest requirement.
- Under the Fair Credit Reporting Act the applicant must be told when an investigative consumer report is ordered and, if coverage is declined or rated because of a consumer report, be told the reporting agency’s name. The MIB holds coded medical information other insurers reported.
- An insurance policy is a unilateral contract (only the insurer makes enforceable promises), aleatory (an unequal exchange that depends on chance), a contract of adhesion (ambiguities are read against the insurer who wrote it) and conditional.
Test yourself on life application, underwriting and policy delivery
Ten questions on life application, underwriting and policy delivery, untimed, with a worked answer after each one.
Or take the full Life and Health mock examCommon questions
How many life application, underwriting and policy delivery questions are on the exam?
Section III is 12 of the 100 scored general-knowledge questions on the Texas General Lines exam and 12 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
- Types of life policies and annuitiesdrill
- Life policy riders, provisions, options and exclusionsdrill
- Retirement plans, group life and taxationdrill
- Types of health policiesdrill
- Health policy provisions, clauses and ridersdrill
- Social insurance and other health conceptsdrill
- Health field underwritingdrill
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.