Free Senior and Special Needs Practice Questions
Texas General Lines — Life, Accident, Health & HMO exam (series InsTX-LAH05) — 105 practice questions.
Subtopics: Medicare supplement standards, Long-term care, Medicare supplement open enrollment, Medicare supplement replacement, Long-term care inflation, Medicare supplement renewability, Medicare supplement preexisting, Medicare supplement plans, Medicare supplement marketing, Medicare training, Medicare supplement records, LTC disclosures, LTC free look, LTC renewability, LTC eligibility, LTC preexisting conditions, LTC exclusions, LTC inflation protection, LTC nonforfeiture, LTC lapse protection, LTC activities of daily living, LTC partnership training, Free-look periods, Medicare Part A, Medicare Part B, Medicare Part C, Medicare Part D, Medicare supplement, Medicaid, Medicare eligibility, Part A financing, Part A benefit period, Part B enrollment, Initial enrollment period, Part D late penalty, Medicare exclusions, Medigap core benefits, Medigap duplication, LTC elimination period, LTC benefit pool, LTC cognitive trigger, Tax-qualified LTC, Levels of care, Assisted living, Medicare Advantage, Medicare enrollment, Social Security
Read the Senior and Special Needs study guide
Sample questions & answers
1. Texas Medicare supplement policies must meet minimum standards and provide a free-look period of:
30 days
A Medicare supplement policy must notify the buyer of the right to return it within 30 days of delivery for a premium refund.
2. Texas long-term care policies are subject to minimum standards including:
Required disclosures and nonforfeiture or inflation options
Texas LTC rules require required disclosures such as the outline of coverage and offers of nonforfeiture and inflation protection.
3. The Texas Medicare supplement open enrollment period, during which an applicant cannot be turned down for health reasons, lasts:
6 months
An issuer may not deny or rate up Medicare supplement coverage for health reasons if the application is made during the six months beginning with the first month of Part B enrollment.
4. When replacing one Medicare supplement policy with another in Texas, the agent must:
Provide a replacement notice and avoid unnecessary duplication
When a sale involves replacing Medicare supplement coverage, the agent must furnish the replacement notice before the policy is issued or delivered, and agents must avoid selling excessive coverage.
All General Lines — Life, Accident, Health & HMO topics
Practice: Senior and Special Needs
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
