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Cheat Sheets

Why candidates miss this

COBRA periods depend on the qualifying event and qualified beneficiary; there is no universal 24-month rule. Termination other than gross misconduct or reduction in hours generally carries an 18-month maximum under federal COBRA. Likely wrong answer: Exactly 24 months in every case. Review focus: U.S. Department of Labor — An Employer's Guide to Group Health Continuation Coverage Under COBRA

Interview question

Q: Under federal COBRA, how do you distinguish the usual continuation period after termination or reduction in hours from events such as divorce or loss of dependent status? Strong answer: Termination of employment for reasons other than gross misconduct, or a reduction in hours that causes loss of coverage, generally carries an 18-month maximum COBRA period for qualified beneficiaries. Divorce or legal separation, death of the covered employee, and loss of dependent-child status generally can carry a 36-month maximum for the affected spouse or dependent, subject to COBRA’s requirements.

18 months for termination/reduction in hours
36 months for specified spouse/dependent events
qualifying event must cause loss of coverage
qualified-beneficiary concept

Caution: Do not treat 18 or 36 months as universal in every COBRA situation; extensions and special rules can apply.

Why this matters

COBRA duration depends on the qualifying event and qualified beneficiary; termination or reduction in hours generally leads to an 18-month maximum under the standard federal rule. Knowing the event-to-duration relationship prevents overgeneralizing a single COBRA number to every continuation case.

Question 1 A worker loses group health coverage because employment ends for a reason other than gross misconduct. Under the standard federal COBRA rule, what continuation period is generally associated with that qualifying event?

Answer choices

A. Up to 18 months.
B. Exactly 24 months in every case.
C. Up to 36 months for every termination.
D. Up to 6 months.

Correct answer

Up to 18 months.

DOL explains that termination of employment or reduction in hours generally provides up to 18 months of COBRA continuation coverage, subject to statutory extensions in certain circumstances.

Wrong-answer review

B. Exactly 24 months in every case.: COBRA does not establish a universal 24-month period.
C. Up to 36 months for every termination.: Thirty-six months is commonly associated with certain other qualifying events, not every termination.
D. Up to 6 months.: Six months is not the standard federal period for this qualifying event.

Extra learning features

Objective/domain: General Knowledge — Social Insurance (6%)

Source: U.S. Department of Labor — An Employer's Guide to Group Health Continuation Coverage Under COBRA

Question 2 A life policy is classified as a modified endowment contract (MEC). Which general tax point should a producer emphasize before the owner takes a nonqualified distribution?

A. MEC status converts the contract into group term insurance.
B. MEC status makes the death benefit automatically taxable in full.
C. MEC status eliminates all access to policy cash value.
D. Less favorable taxation may apply to MEC distributions.

Less favorable taxation may apply to MEC distributions.

Objective/domain: General Knowledge — Retirement & Other Insurance Concepts (8%)

Source: Internal Revenue Service — Publication 525, Taxable and Nontaxable Income

Question 3 A sophisticated client wants both flexible premium payments and the ability to direct policy values among investment subaccounts. Which policy combines those features?

A. Decreasing term life insurance
B. Variable universal life
C. Fixed universal life insurance
D. Ordinary whole life insurance

Variable universal life

Objective/domain: General Knowledge — Types of Policies (15%)

Source: Texas Department of Insurance — Life insurance guide

Question 4 After an insured satisfies the deductible, a covered medical bill is subject to 20% member coinsurance. What does the 20% represent?

A. The member's percentage of the allowed covered expense.
B. The annual amount that must be paid before any benefits can begin.
C. The monthly premium charged to keep the policy in force.
D. A fixed dollar fee paid for every service regardless of price.

The member's percentage of the allowed covered expense.

Objective/domain: General Knowledge — Health Policy Provisions, Clauses & Riders (15%)

Source: Texas Department of Insurance — Health care coverage guide

Question 5 A small company would suffer a major financial loss if its lead engineer died. The company wants life insurance proceeds to help absorb lost revenue and recruiting costs. Which business use is most appropriate?

A. Key-person life insurance
B. A Medicare supplement policy
C. A personal survivorship policy for the engineer's parents
D. Credit life on every customer

Key-person life insurance

Question 6 A Texas health plan provides covered health services through an organized network and uses HMO-style enrollee and provider arrangements. Which regulatory framework most directly governs the entity if it is operating as an HMO?

A. Texas Insurance Code Chapter 843 and the related HMO rules.
B. Only the federal COBRA continuation statute.
C. Only the life-insurance nonforfeiture statute.
D. The Texas property-casualty guaranty framework.

Texas Insurance Code Chapter 843 and the related HMO rules.

Objective/domain: Texas State-Specific — Health Maintenance Organizations (3/30)

Source: Texas Insurance Code Chapter 843 — Health Maintenance Organizations

Question 7 At delivery, a client asks whether a universal life policy can lapse if future premiums and account value are insufficient. The producer previously described the policy as 'permanent.' What is the best response?

A. Explain that underfunded universal life can lapse despite its permanent design.
B. Repeat that 'permanent' means the policy can never lapse.
C. Promise the insurer will waive future funding shortages.
D. Tell the client account value and charges do not affect universal life.

Explain that underfunded universal life can lapse despite its permanent design.

Objective/domain: General Knowledge — Field Underwriting Procedures (8%)

Question 8 A Texas producer shows a whole-life illustration containing non-guaranteed values and tells the applicant, 'These projected dividends and cash values are guaranteed.' What is the best assessment?

A. The statement becomes permissible whenever the policy also contains guaranteed death benefits.
B. The statement is acceptable if the insurer has paid similar dividends for the last five years.
C. Misleading: non-guaranteed values cannot be presented as guarantees.
D. The statement is acceptable if the applicant signs the illustration at delivery.

Misleading: non-guaranteed values cannot be presented as guarantees.

Objective/domain: Texas State-Specific — Statutes & Rules Pertinent to Life Insurance Only (6/30)

Question 9 A Texas HMO wants to cancel an enrollee solely because the enrollee developed an expensive chronic illness after enrollment. Premiums are current and no other authorized ground exists. What is the best assessment?

A. The HMO may cancel immediately whenever expected claims exceed annual premium.
B. The HMO may not cancel or nonrenew on that ground alone.
C. The HMO may cancel solely because the enrollee used an in-network specialist.
D. The HMO must cancel every enrollee who develops a chronic condition.

The HMO may not cancel or nonrenew on that ground alone.

Question 10 An applicant notices that the producer entered the wrong smoking status on a life application. Which handling method best protects the integrity of the application?

A. Erase the original answer so no record of the correction remains.
B. Correct the entry properly and have the applicant acknowledge the change.
C. Create a separate verbal note and leave the signed application unchanged.
D. Submit the incorrect application and correct it only if underwriting asks.

Correct the entry properly and have the applicant acknowledge the change.

Objective/domain: General Knowledge — Application, Underwriting & Policy Delivery (12%)

Texas General Lines Life, Accident & Health Practice Test

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What you get with free practice

A worker loses group health coverage because employment ends for a reason other than gross misconduct. Under the standard federal COBRA rule, what continuation period is generally associated with that qualifying event?

A life policy is classified as a modified endowment contract (MEC). Which general tax point should a producer emphasize before the owner takes a nonqualified distribution?

A sophisticated client wants both flexible premium payments and the ability to direct policy values among investment subaccounts. Which policy combines those features?

After an insured satisfies the deductible, a covered medical bill is subject to 20% member coinsurance. What does the 20% represent?

A small company would suffer a major financial loss if its lead engineer died. The company wants life insurance proceeds to help absorb lost revenue and recruiting costs. Which business use is most appropriate?

A Texas health plan provides covered health services through an organized network and uses HMO-style enrollee and provider arrangements. Which regulatory framework most directly governs the entity if it is operating as an HMO?

At delivery, a client asks whether a universal life policy can lapse if future premiums and account value are insufficient. The producer previously described the policy as 'permanent.' What is the best response?

A Texas producer shows a whole-life illustration containing non-guaranteed values and tells the applicant, 'These projected dividends and cash values are guaranteed.' What is the best assessment?

A Texas HMO wants to cancel an enrollee solely because the enrollee developed an expensive chronic illness after enrollment. Premiums are current and no other authorized ground exists. What is the best assessment?

An applicant notices that the producer entered the wrong smoking status on a life application. Which handling method best protects the integrity of the application?

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