Texas Life, Health Insurance
Examination
1. A certificate of authority does which of the following? - ✔✔Permits
an insurance company to transact business in Texas
2. A creditor who requires a debtor to obtain insurance from a
particular company or agent as a condition for a loan is guilty of -
✔✔coercion
3. A Disability Income policyowner recently submitted a claim for a
chronic neck problem that has now resulted in total disability. The
original neck injury occurred before the application was taken 5
years prior. The neck injury was never disclosed to the insurer at the
time of application. How will the insurer handle this claim? -
✔✔Claim will be paid and coverage will remain in force
4. A foreign insurance company is one that is incorporated - ✔✔under
the laws of another state
5. A Health Maintenance Organization (HMO) may issue an Evidence of
Coverage form after it has been approved by the - ✔✔Commissioner
of Insurance
