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The document details policy types, riders, provisions, options, and exclusions, plus procedures for completing applications, underwriting, and delivering policies, including contract law concepts. It also addresses retirement and related insurance concepts such as life settlements, group life, and Social Security and tax treatment topics, referencing relevant Texas Insurance Code and Texas Administrative Code.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":20,"@type":76,"position":81},"https://docshare.wps.com/document/exam/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/texas-insurance-content-outlines-effective-september-1-2026/465460/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/texas-insurance-content-outlines-effective-september-1-2026/465460.png","ImageObject",300,407,{"name":92,"@type":93},"Taylor Morgan","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-07","2026-09-30",true,{"@type":102,"interactionType":103,"userInteractionCount":81},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What topics are included in the Life-General Knowledge Content Outline?","Question",{"text":112,"@type":113},"It covers policy types, policy riders/provisions/options/exclusions, application completion/underwriting/delivery procedures, contract law basics, and retirement and other insurance concepts.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How does the outline handle policy riders and exclusions?",{"text":117,"@type":113},"It lists specific rider categories (e.g., waiver-related, guaranteed insurability, disability, long term care) and separately enumerates policy exclusions such as war, aviation, and dangerous occupation.",{"name":119,"@type":110,"acceptedAnswer":120},"Which state references are used for the Texas life agent exam content?",{"text":121,"@type":113},"The outline states that references are to the Texas Insurance Code (TIC) or the Texas Administrative Code (TAC), Title 28, unless otherwise noted.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},465460,1791084298,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":19,"category_name":20,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":81,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145},1099523885336,"https://ap-avatar.wpscdn.com/davatar_276721f389ce27ea32af1340a28f341c","TEXAS  \nInsurance Content Outlines  \nContent Outlines: Effective September 1, 2026  \n\n| TEXAS Insurance Supplement | Examination Content Outlines\u003Cbr>Effective: September 1, 2026 |\n| --- | --- |\n\nLIFE-GENERAL KNOWLEDGE CONTENT OUTLINE  \nProduct Knowledge, Terms and Concepts  \n(50 scoreable questions plus 5 pretest questions)  \nI. TYPES OF POLICIES   15  \nA. Traditional whole life products  \n1. Ordinary whole life  \n2. Limited-pay and single-premium life  \nB. Interest/market-sensitive/adjustable life products  \n1. Universal life  \n2. Variable whole life  \n3. Variable universal life  \n4. Interest-sensitive whole life  \n5. Indexed life  \nC. Term life  \n1. Types  \na. Level  \nb. Decreasing  \nc. Return of premium  \nd. Annually renewable  \n2. Special features  \na. Renewable  \nb. Convertible  \nD. Annuities  \n1. Single and flexible premium  \n2. Immediate and deferred  \n3. Fixed and variable  \n4. Indexed  \n5. Accumulation and Annuity Periods  \n6. Payout options  \nE. Combination plans and variations  \n1. Joint life (first to die)  \n2. Survivorship life (second to die)  \nII. POLICY RIDERS, PROVISIONS, OPTIONS, AND  \nEXCLUSIONS   15  \nA. Policy riders  \n1. Waiver of premium and waiver of monthly deduction  \n2. Guaranteed insurability  \n3. Payor benefit  \n4. Accidental death and/or accidental death and dismemberment  \n5. Term riders  \n6. Other insureds  \n7. Long term care  \n8. Return of premium  \n9. Disability  \n10. Cost of Living  \nB. Policy provisions and options  \n1. Entire contract  \n2. Insuring clause  \n3. Free look  \n4. Consideration  \n5. Owner’s rights  \n6. Beneficiary designations  \na. Primary and contingent  \nb. Revocable and irrevocable  \nc. Common disaster  \nd. Minor beneficiaries  \ne. Designation by class  \n7. Premium Payment  \na. Modes  \nb. Grace period  \nc. Automatic premium loan  \nd. Level or flexible  \n8. Reinstatement  \n9. Policy loans, withdrawals, partial surrenders  \n10. Non-forfeiture options  \n11. Dividends and dividend options (eg. participating, non-participating)  \n12. Incontestability  \n13. Assignments  \n14. Suicide  \n15. Misstatement of age and gender  \n16. Settlement options  \n17. Accelerated death benefits  \nC. Policy exclusions  \n1. War  \n2. Aviation  \n3. Dangerous Occupation  \nIII. COMPLETING THE APPLICATION, UNDERWRITING,  \nAND DELIVERING THE POLICES   12  \nA. Completing the application  \n1. Required signatures  \n2. Changes in the application  \n3. Consequences of incomplete applications  \n4. Warranties and representations  \n5. Collecting the initial premium and issuing the receipt  \n6. Replacement  \n7. Disclosures at point of sale (e.g. , HIPAA, HIV consent)  \n8. USA PATRIOT Act/anti-money laundering  \n9. Gramm-Leach-Bliley Act (GLBA) Privacy  \nB. Underwriting  \n1. Insurable interest  \n2. Medical information and consumer reports  \n3. Fair Credit Reporting Act  \n4. Risk classification  \n5. Stranger/Investor-owned life insurance (STOLI/IOLI)  \nC. Delivering the policy  \n1. When coverage begins  \n2. Explaining the policy and its provisions, riders, exclusions, and ratings to the client  \nD. Contract law  \n1. Elements of a contract  \na. Consideration  \nb. Offer and Acceptance  \nc. Competent parties  \nd. Legal purpose  \n2. Unique aspects of the insurance contract  \na. Conditional  \nb. Unilateral  \nc. Adhesion  \nd. Aleatory  \nIV. RETIREMENT AND OTHER INSURANCE CONCEPTS ..8  \nA. Third-party ownership  \nB. Life Settlements  \nC. Group life insurance  \n1. Conversion privilege  \n2. Contributory vs. noncontributory  \nD. Retirement plans  \n1. Qualified plans  \n2. Nonqualified plans  \nE. Life insurance needs analysis/suitability  \n1. Personal insurance needs  \n2. Business insurance needs  \na. Key person  \nb. Buy sell  \nF. Social Security benefits  \nG. Tax treatment of insurance premiums, proceeds, and dividends  \n1. Individual life  \n2. Group life  \n3. Modified Endowment Contracts (MECs)  \nLIFE AGENT STATE SPECIFIC CONTENT OUTLINE  \n(30 scoreable questions plus 5 pretest questions) All references are to the Texas Insurance ","cbCaiaSy6S91sAie","https://ap.wps.com/l/cbCaiaSy6S91sAie","pdf",563696,26,"English","# Life-General Knowledge Content Outline\n## Types of Policies\n## Policy Riders, Provisions, Options, and Exclusions\n## Completing the Application, Underwriting, and Delivering the Polices\n## Retirement and Other Insurance Concepts\n# Life Agent State Specific Content Outline\n## Texas Statutes and Rules Common to Life and Health Insurance\n## Commissioner of Insurance\n## Insurance Definitions\n## Licensing Requirements\n## Marketing Practices","[{\"question\":\"What topics are included in the Life-General Knowledge Content Outline?\",\"answer\":\"It covers policy types, policy riders/provisions/options/exclusions, application completion/underwriting/delivery procedures, contract law basics, and retirement and other insurance concepts.\"},{\"question\":\"How does the outline handle policy riders and exclusions?\",\"answer\":\"It lists specific rider categories (e.g., waiver-related, guaranteed insurability, disability, long term care) and separately enumerates policy exclusions such as war, aviation, and dangerous occupation.\"},{\"question\":\"Which state references are used for the Texas life agent exam content?\",\"answer\":\"The outline states that references are to the Texas Insurance Code (TIC) or the Texas Administrative Code (TAC), Title 28, unless otherwise noted.\"}]","Texas Insurance Content Outlines - Effective September 1, 2026 | PDF",1790769657,66]