Texas Limited Lines Agent Prelicensing Course
What You Need to Know to Pass the State Exam
What You Need to Know to Pass the State Exam
You are invited to enjoy the most extensive, comprehensive study guide I have ever created.
There are three major topics as outlined for Texas Limited Lines Agent. They are:
You will need to sign up for a free Quizlet account (if you don't already have one) in order to enjoy the many quizzes I have prepared for each of the 7 topics outlined in this course. This short video shows you how to sign up for the free Quizlet account.
Quizlet provides powerful online tools to help you study more efficiently and effectively. With the following activities, you can review at your own pace and in whatever way works best for you.
#1 RISK OVERVIEW
#2: GENERAL INFORMATION
#3: DWELLING - COVERAGE A AND ADDITIONAL STRUCTURES - COVERAGE B
#4: PERSONAL PROPERTY - COVERAGE C AND LIVING EXPENSES - COVERAGE D
#5: PERSONAL LIABILITY
#6: PERSONAL UMBRELLA
#7: PERSONAL AUTO
#8: PERSONAL LINES WATERCRAFT
#9: IN-HOME BUSINESS
Notary Quiz: Tricky signer questions
Do you know how to properly answer signer questions and avoid the unauthorized practice of law? Take our quiz and find out.
There is always a shortage of people who get the job done on time without excuses or grumbling.If you really study those who have reached the top of any organization, you will find that they are the people who cheerfully accept challenges, take the initiative, and get the job done. They don’t complain, and they don’t make excuses. Those who never get anywhere in their jobs and careers can’t seem to understand that achievers don’t become achievers after they reach the top. They reached the top because of the way they conducted themselves along the way. You can easily become one of those individuals who regularly advance in the organization — if you are willing to pay the price. Any good manager will tell you that the type of people who are most in demand are those who can think for themselves, who will take the initiative to do the right thing without being told, and who will stick to the job until it is finished. You can be one of those people if you choose to be.
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Here are the topics covered in this online course:
TEXAS LIMITED LINES AGENT CONTENT OUTLINE
(50 scoreable questions)
This examination will test topics listed on the following content outline and is composed of fifty (50) four-option, multiple choice questions.
All references are to General insurance texts and forms, unless otherwise noted
I. INSURANCE TERMS AND RELATED CONCEPTS
A. Risk (pure vs. speculative)
D. Loss (direct and indirect)
G. Limits of liability
H. Extensions of coverage
K. Fair Credit Reporting Act
L. Implied/express authority
M. Insurable interest
II. POLICY PROVISIONS
A. Declarations/Schedule of Benefits
B. Insuring Agreement
E. Definition of the insured
F. Duties of the insured after a loss
G. Proof of loss
III. TEXAS STATUTES AND RULES PERTINENT TO LIMITED LINES
All references are to the Texas Insurance Code (Ins.) or the Texas Administrative Code (TAC), Title 28, unless otherwise noted
A. Commissioner of Insurance
Ref.: Ins. 31.001, 31.002, 31.021, 201.004, 404.051-.053, 481.001-.009, 491.051, 491.052, 521.003-.004, 4001.005, 38.001, 86.001-.002, 401.051-.062, 82.001-.056, 4005.102
1. General powers and duties
2. Examination of records
3. Investigation/Notice of hearing
B. Insurance definitions
Ref.: Ins. 801.051-.053; General insurance text; TAC §15.2
1. Certificate of authority
2. Transacting insurance
3. Foreign, domestic, alien
4. Stock, mutual
C. Licensing requirements
Ref.: Ins. 981.201-.222, 4001.003, 4001.006, 4001.051, 4001.102-.106, 4001.151-.156, 4001.252, 4001.254, 4003.001, 4003.004, 4003.006-.007,4004.051-.054, 4005.101-.102, 4005.105, 4051.051-. 055, 4051.101-.102, 4051.401-.404, 4051.151-.152, 4051.201-.206, 4052-001.101, 4054-301-.304, 4053.001-.152, 4054.001-.304, 4054-.101-.103, 4056.001.-.004; TAC § 19.1001-.1030
b. Nonresident agent
d. Limited license (lines of authority)
4. Continuing education
5. License denial, renewal, expiration
6. License termination, revocation, suspension
7. Notification to Department of certain information
a. Change of address
b. Felony convictions
c. Administrative action taken against a license holder
D. Marketing practices
Ref.: Ins. 541.051-.061, 542.001-.014, .054-.058; 701.001-.154, 4001.104, 4005.053(c), 4005.101; TAC § 21.4, 21.201-.205, 21.115
1. Unfair/Prohibited trade practices
a. Claims methods and practices
b. False advertising
e. Controlled business
i. Boycott, coercion, intimidation
Ref.: General insurance text
E. Agent duties/responsibilities
Ref.: Ins. 4001.157, 4005.053-.054
1. Fiduciary capacity
2. Commission sharing
If you are really great, you will let others discover this fact from your actions.
In the final analysis, all that really matters are your actions. You may talk a good story, but no matter how good you are at selling others on your capabilities, eventually you have to perform. It is true that people are generally forgiving and will overlook an occasional failure to deliver upon your promises. Ultimately, though, you must live up to your promises to others if you ever expect to make a lasting impression on them. Make it a habit to demonstrate your abilities before talking about them. Seldom is anything worthwhile achieved without the help of others, and nothing is ever achieved without some form of action. The road to failure and despair is littered with the dreams of those who failed to act upon them.
If you are a shepherd, be the best and you may live to own the flock.
One of the most wonderful things about life is that we are all unique with different levels of intelligence, interests, aptitudes, and desires. How dreadfully dull it would be if we all wanted to be nuclear physicists — or bakers. But, regardless of the gifts we may have received at birth and whichever skills we may have since developed, we all have the capability to be the best at what we do. Being the best is strictly a reflection of your attitude and your desire. Whether you are a salesperson, an executive, a secretary, or an assembly-line worker, you have the capacity to be as good as you choose to be. When you become outstanding at what you do, you will discover greatly increased demand for your services. When you become the best in your line of work, you may be asked so often to help other “sheep” that you will soon own your own “flock.”
The greatest cure known is work.
Emotions are sometimes strange, volatile, and unpredictable. They do not always respond to logic and reason. They do, however, respond to action. If you have occasional feelings of loneliness, discouragement, or discontentment, the best way to kill such negative emotions is to work them to death. Almost nothing is as bad as it first seems, and there’s nothing like a hard day’s work to put everything in proper perspective. When you begin to feel negative emotions, dwelling on your misfortunes only makes you feel worse. Do your best to put them out of your mind and think about more positive, constructive things. Physical labor can help. Choose a task that doesn’t require a great deal of concentration, and then focus on accomplishing the task at hand.