English–Spanish insurance exam glossary
203 term pairs taken from the official Texas content outlines in English and Spanish (Pearson VUE, effective September 1, 2026). The Spanish column is the wording the Spanish exam uses, even where everyday Spanish would say it differently.
There is no official published glossary. We built this list by aligning the two outlines line by line. Where the Spanish outline uses more than one translation for the same term, the note says so.
A
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Accelerated death benefits | Beneficios acelerados por muerte | |
| Accidental death and dismemberment | Muerte accidental y desmembramiento | |
| Accumulation and annuity periods | Acumulación y periodos de anualidad | |
| Adhesion | Adhesión | |
| Adjustable life | Seguro de vida ajustable | Appears only in the Spanish Life, Accident and Health outline. |
| Affordable Care Act | Ley de Cuidado de Salud a Bajo Precio | |
| Agent/agency | Agente/Agencia | |
| AIDS testing requirements | Requisitos para las pruebas de sida | |
| Aleatory | Aleatorio | |
| Annually renewable | Renovable anualmente | |
| Annuity | Anualidad | |
| Application | Solicitud | |
| Appointment | Nombramiento | |
| Assignment | Asignación (cesión) | The general part says “Asignaciones”; the law part says “Cesión”. |
| Automatic premium loan | Préstamo automático de primas contra la póliza | |
| Aviation | Aviación |
B
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Beneficiary designation | Designación de beneficiario | |
| Boycott, coercion, intimidation | Boicot, coacción, intimidación | |
| Business disability buyout policy | Póliza de compra de interés comercial por discapacidad | |
| Business overhead expense policy | Póliza de gastos administrativos comerciales | |
| Buy-sell | Compraventa | |
| Buyer's Guide / policy summary | Guía del comprador / resumen de la póliza |
C
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Cancelable | Cancelable | |
| Cease and desist order | Orden de cese y desista | |
| Certificate of authority | Certificado de autoridad | |
| Change of occupation | Cambio de ocupación | |
| Chemical dependency coverage | Cobertura para dependencia química | |
| Claim forms | Formularios de reclamación | |
| Coinsurance | Coaseguro | |
| Commingling | Mezcla | Mixing the funds of others with your own. |
| Commission sharing | Compartir comisiones | |
| Commissioner of Insurance | El Comisionado de Seguros | |
| Common disaster | Desastre común | |
| Competent parties | Partes competentes | |
| Conditional | Condicional | |
| Consideration | Contraprestación | |
| Continuing education | Educación continuada | |
| Contract law | Ley contractual | |
| Contributory vs. noncontributory | Contributiva vs. no contributiva | |
| Conversion privilege | Privilegio de conversión | |
| Convertible | Convertible | |
| Coordination of benefits (primary vs. excess) | Coordinación de beneficios (primario vs. excedente) | |
| Copayment | Copago | |
| Cost of living | Costo de vida | |
| Coverage for newborns | Cobertura para recién nacidos | |
| Credit life | Seguro de vida de crédito | |
| Critical illness or specified disease | Enfermedades críticas o específicas |
D
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Dangerous occupation | Ocupación peligrosa | |
| Decreasing term | Decreciente | |
| Deductible | Deducible | |
| Defamation | Difamación | |
| Delivering the policy | Entrega de la póliza | |
| Dependent coverage | Cobertura de dependiente | |
| Designation by class | Designación por clase | |
| Disability | Discapacidad | |
| Disability income | Ingreso por discapacidad | |
| Dividends and dividend options | Dividendos y opciones de dividendos |
E
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Elements of a contract | Elementos de un contrato | |
| Eligible expenses | Gastos elegibles | |
| Elimination period | Período de eliminación | |
| Enrollment | Inscripción | |
| Entire contract | Contrato entero | |
| Essential health benefits | Beneficios de salud esenciales | |
| Evidence of coverage | Prueba de cobertura | |
| Exchanges/Marketplace | Intercambios/Mercado de Seguros Médicos | |
| Exclusions and limitations | Exclusiones y limitaciones |
F
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Fair Credit Reporting Act | Ley de Informe Justo de Crédito | |
| False advertising | Publicidad falsa | |
| Felony conviction | Condena por delito grave | |
| Field underwriting | Aseguramiento de campo | |
| Fixed and variable | Fijas y variables | |
| Flexible Spending Account (FSA) | Cuentas de Gastos Flexibles (FSA) | |
| Foreign, domestic, alien (insurer) | Extranjera, doméstica, internacional | |
| Fraternal | Fraternales | |
| Fraud | Fraude | |
| Free look | Período de revisión | The Texas law part says “Periodo de prueba”. |
| Future increase option | Opción de aumento futuro |
G
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Grace period | Período de gracia | |
| Gramm-Leach-Bliley Act (GLBA) Privacy | Privacidad de la Ley Gramm-Leach-Bliley (GLBA) | |
| Group insurance | Seguro grupal | |
| Group life insurance | Seguro de vida grupal | |
| Guaranteed insurability | Asegurabilidad garantizada | |
| Guaranteed renewable | Renovación garantizada |
H
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Health Maintenance Organization (HMO) | Organización para el mantenimiento de la salud (HMO) | |
| Health Reimbursement Account (HRA) | Cuentas de reembolso de salud (HRA) | |
| Health Savings Account (HSA) | Cuenta de Ahorros de Salud (HSA) | |
| High Deductible Health Plan (HDHP) | Planes de Salud con Deducible Alto (HDHP) | |
| Hospital indemnity | Indemnización de hospitalización |
I
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Illegal occupation | Ocupación ilegal | |
| Immediate and deferred | Inmediatas y diferidas | |
| Incontestability | Incontestabilidad | |
| Indexed | Indexado | |
| Indexed life | Seguro de vida indexado | The Spanish Life, Accident and Health outline says “Seguro de vida de capitales indexados”. |
| Initial premium and receipt | Primera prima y recibo | |
| Insurable interest | Interés asegurable | |
| Insuring clause | Cláusula de seguro | |
| Interest-sensitive whole life | Seguro de vida ordinario sensible a intereses |
J
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Joint life (first to die) | Seguro de vida mancomunado (primero en morir) |
K
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Key employee policy | Póliza para empleado clave | |
| Key person | Persona clave |
L
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Legal purpose | Propósito legal | |
| Level or flexible | Nivelado o flexible | |
| Level term | Nivelado | |
| License denial, renewal, expiration | Denegación de la licencia, renovación, vencimiento | |
| License revocation, suspension | Revocación, suspensión de la licencia | |
| Life settlements | Acuerdos de liquidación de seguro de vida | |
| Limitations of lawsuits | Limitaciones de demandas | |
| Limited-pay life | Seguro de vida de paga limitada | |
| Long term care (LTC) | Cuidados a largo plazo |
M
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Major medical | Póliza para gastos médicos mayores | |
| Managed care | Atención médica administrada | |
| Mandatory provisions | Disposiciones obligatorias | |
| Maximum benefit limits (lifetime, annual, per cause) | Límites máximos de beneficios de por vida, anuales o por causa | |
| Medicaid | Medicaid | |
| Medical expense insurance | Seguro de gastos médicos | |
| Medical information and consumer reports | Información médica y reportes al consumidor | |
| Medicare supplement policies | Pólizas suplementarias de Medicare | |
| Mental health and substance use disorder services | Servicios de salud mental y trastornos de uso de sustancias | |
| Minor beneficiary | Beneficiario menor de edad | |
| Misrepresentation | Representaciones falsas | |
| Misstatement of age and gender | Indicar la edad o género erróneo | Three wordings in the same outline: also “Indicación errónea de la edad” and “Declaración incorrecta de edad o género”. |
| Modified Endowment Contract (MEC) | Contrato Modificado de Vida e Inversiones (MEC) |
N
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Needs analysis/suitability | Análisis/adecuacidad (idoneidad) de las necesidades | The Life outline says “adecuacidad”; the Life, Accident and Health outline says “idoneidad”. |
| Non-forfeiture options | Opciones de no caducidad | The law part says “Ley de no caducidad” (nonforfeiture law). |
| Noncancelable | No cancelable | |
| Nonforfeiture law | Ley de no caducidad | |
| Nonqualified plans | Planes no calificados | |
| Nonrenewal/cancellation | No renovación/cancelación | |
| Nonresident agent | Agente no residente | |
| Notice of claim | Notificación de reclamación |
O
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Occupational vs. non-occupational | Ocupacional vs. no ocupacional | |
| Offer and acceptance | Oferta y aceptación | |
| Ordinary whole life | Seguro ordinario de vida | |
| Other insureds | Otros asegurados | |
| Out-of-network claims | Reclamaciones fuera de la red | |
| Owner's rights | Derechos del dueño |
P
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Participating / non-participating | Participante / no-participante | |
| Payor benefit | Beneficio al pagador | |
| Payout options | Opciones de paga de beneficios | |
| Penalties | Penalidades | |
| Physical examination and autopsy | Examen físico y autopsia | |
| Point of Service (POS) plan | Plan de Punto de Servicio (POS) | |
| Point-of-sale disclosures | Divulgaciones en el lugar de la venta | |
| Policy exclusions | Exclusiones de la póliza | |
| Policy loans, withdrawals, partial surrenders | Préstamos contra la póliza, retiros y rescates parciales | |
| Policy rider | Endoso de la póliza | |
| Pre-authorization / prior approval | Preautorización / aprobación previa | |
| Preexisting conditions | Condiciones preexistentes | |
| Preferred Provider Organization (PPO) | Organizaciones de Proveedores Preferidos (PPO) | |
| Premium payment modes | Modos de pago de prima | |
| Premiums payable in advance | Primas pagadas con anticipación | |
| Primary and contingent beneficiary | Beneficiario primario y contingente | |
| Probationary period | Período de probatoria | |
| Prohibited provisions | Disposiciones prohibidas | |
| Proof of loss | Comprobante de pérdida |
Q
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Qualified plans | Planes calificados |
R
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Rebating | Rebajas | In practice, rebating means illegally giving back part of the commission or premium to the buyer. |
| Records maintenance | Mantenimiento de registros | |
| Reinstatement | Reinstalación | The Texas law part says “Reincorporación”. |
| Relation of earnings to insurance | Proporción de ingresos con el seguro | |
| Renewable | Renovable | |
| Replacement | Reemplazo | |
| Return of premium | Devolución de primas | |
| Revocable and irrevocable | Revocable e irrevocable | |
| Rights of renewability | Derechos de renovación | |
| Risk classification | Clasificaciones de riesgos |
S
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Settlement at maturity | Liquidación al vencimiento | |
| Settlement options | Opciones de liquidación | |
| Short-term medical | Médico a corto plazo | |
| Single and flexible premium | Primas únicas y flexibles | |
| Single-premium life | Seguro de vida de prima única | |
| Small group health insurance | Seguros de salud para grupos pequeños | |
| Social insurance | Seguros sociales | |
| Social Security benefits | Beneficios del Seguro Social | |
| Statement of insured | Declaración del asegurado | |
| Stock, mutual | Acciones, cooperativas | “Mutual” is translated as “cooperativa”. |
| Stranger/investor-owned life insurance (STOLI/IOLI) | Seguro de vida propiedad de un extraño/inversionista (STOLI) | |
| Subrogation | Subrogación | |
| Suicide | Suicidio | |
| Survivorship life (second to die) | Seguro de vida de sobreviviente (el segundo que fallezca) |
T
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Temporary license | Licencia temporal | |
| Term life | Seguro de vida de término | The outline says “de término”, not “temporal”. |
| Texas Life and Health Guaranty Association | Asociación Afianzadora de Seguros de Vida y Salud de Texas | One outline says “Asociación”, the other “Sociedad”. |
| Third-party ownership | Terceros dueños | |
| Time for settlement of a claim | Tiempo de liquidación de una reclamación | |
| Time limit on certain defenses | Límite de tiempo para ciertas defensas (incontestabilidad) | |
| Total, partial, recurrent and residual disability | Discapacidad total, parcial, recurrente y residual | |
| Transacting insurance | Realizar transacciones de seguro |
U
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Underwriting | Aseguramiento | The official Spanish term is “Aseguramiento”, not “suscripción”. |
| Unfair discrimination | Discriminación injusta | |
| Unfair/prohibited trade practices | Prácticas comerciales injustas/prohibidas | |
| Unilateral | Unilateral | |
| Universal life | Seguro de vida universal | |
| USA PATRIOT Act / anti-money laundering | Ley PATRIOT de los EE.UU. / antilavado de dinero | |
| Usual, reasonable, and customary (URC) charges | Cargos usuales, razonables y habituales (URC) |
V
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Variable universal life | Seguro de vida universal variable | |
| Variable whole life | Seguro ordinario de vida variable |
W
| English term | Spanish term (official outline) | Note |
|---|---|---|
| Waiver of monthly deduction | Exoneración de deducción mensual | |
| Waiver of premium | Exoneración de la prima | The health section says “Exoneración de prima”. |
| War | Guerra | |
| Warranties and representations | Garantías y representaciones | |
| Whole life | Seguro ordinario de vida | The Spanish Life, Accident and Health outline also writes “Seguro ordinario de vida (estricto)”. |
| Workers' compensation | Compensación a los trabajadores |
Sources
- Pearson VUE, Texas Insurance Content Outlines (#124401), effective September 1, 2026 (checked November 7, 2026)
- Pearson VUE, Bosquejos de contenido de Texas (#124402), vigentes desde el 1 de septiembre de 2026 (checked November 7, 2026)
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