德州保险法 — 人寿与健康中文模拟题 2026
免费德州人寿与健康保险代理人执照练习——涵盖德州特有法规层(保险法典的监管与执照、不公平交易行为、寿险与健康险法规、HMO),与全国通用知识库共同构成德州综合执照(General Lines)代理人考试。附西语解释;德州真考官方提供英语和西班牙语。 所有题目免费练，再做一套 130 题的模拟考，按真实 70% 及格线评分。
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🎯 按专题练习
Texas Insurance Regulation & the Commissioner
The Commissioner of Insurance and the Texas Department of Insurance: general powers and duties, examination of records, investigation and hearings, market conduct, and enforcement.
Texas Licensing & Producer Law
Texas Insurance Code licensing: license types, appointment and termination, change of address, continuing education, license denial/suspension/revocation, agent duties, and commission sharing.
Texas Marketing & Unfair Trade Practices
The Texas Unfair Trade Practices provisions: unfair claim settlement and prompt payment, false advertising, misrepresentation, defamation, rebating, fraud, boycott/coercion, commingling, and unfair discrimination.
Texas Guaranty Association & Insurer Regulation
The Texas Life & Health Insurance Guaranty Association, insurer classifications (stock, mutual, fraternal, Texas Lloyds, reciprocal), admitted vs nonadmitted insurers, and solvency regulation.
Texas Life Insurance Law
Texas life statutes: advertising and illustrations, policy provisions, free look and grace period, policy loans, group life and conversion, credit life, replacement, and the nonforfeiture law.
Texas Accident & Health Insurance Law
Texas health statutes: mandated policy provisions (newborns, chemical dependency), Medicare supplement, AIDS testing, long-term care, small-employer health, the ACA, and Health Maintenance Organizations (HMOs).