Master the Texas Life & Health Insurance Exam
Master the official Texas General Lines – Life, Accident and Health examination administered by Pearson VUE for the Texas Department of Insurance (TDI). Study Texas Insurance Code provisions, policy contestability, annuities, and HMO coverage rules. Prepare for the combined exam or target the Life-only or Accident & Health-only exam. Preparing for P&C? Check here.
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How to Pass the Texas Insurance Exam
Quick glance at the Texas Insurance Exam
Topics Covered
Who Takes This Exam?
Aspiring Insurance Agents
Anyone seeking a Life & Health insurance license in Texas must pass this state licensing exam administered by Pearson VUE.
Pre-Licensing Requirements
You must be 18+, complete pre-licensing education requirements, and submit any required documentation before your Texas insurance license can be issued.
Local Testing Centers
Take your Pearson VUE exam in-person at authorized testing locations across Texas, including:
Official Licensing Resources
Access official state contacts, exam guides, and scheduling portals:
Master Your Texas Insurance Licensing Exam
Learn from expert insights and avoid the most common pitfalls that trip up test-takers in Texas, and master key terms in our Glossary.
Study Tips
Expert strategies for success
Master the Texas Insurance Code
A significant portion of the exam covers state specific laws. Devote extra time to the Texas Insurance Code chapters on licensing and consumer protection.
Understand Ethics
Texas emphasizes ethical conduct. Ensure you understand fiduciary duties and prohibited practices like rebating and twisting.
Practice scenario-based questions
The exam often uses scenarios to test your application of knowledge. Practice with questions that describe situations rather than just definitions.
Review periodic updates
Insurance laws change. Make sure you are studying the most current regulations for 2026.
Common Mistakes
Pitfalls to avoid on test day
Texas-specific regulations
Many test-takers overlook critical Texas-specific laws regarding licensing, continuing education, and unfair trade practices.
Annuity suitability
Understanding the suitability requirements for annuity recommendations in Texas is a common stumbling block.
Medicare Supplement specifics
Texas has specific rules for Medicare Supplement policies that differ from federal standards.
HMO vs. PPO regulations
Confusing the regulatory requirements for HMOs and PPOs in Texas is a frequent error.
Ready to put these tips into practice?
Start with our free practice questions and see how you perform, then upgrade to access our complete study system.
Free TX Insurance Exam Practice PDF
Download a comprehensive practice test with 50 insurance questions, including Texas law topics, with answers. Perfect for offline study!
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Free TX Cram Cheat Sheet & Guide
Access our comprehensive study cheat sheet covering essential Texas insurance licensing timelines, grace periods, and exam metrics.
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Your Questions Answered
Quick answers to the most common questions about the Texas insurance licensing exam
How do I pass the Texas Life and Health insurance exam?
Build a study plan around life policies, annuities, accident and health coverage, and Texas insurance law. Review every missed practice question and aim to score at least 80% consistently on timed mock exams before scheduling the licensing exam.
What topics are on the Texas Life and Health insurance exam?
The exam covers life insurance policies and provisions, annuities, accident and health coverage, disability income, medical plans, group insurance, federal concepts, and Texas-specific insurance laws and ethics.
What score should I reach on Texas Life and Health practice tests?
Use the current candidate handbook for the official passing requirement. For preparation, target 80% or higher on several fresh, timed practice tests so you have a margin for unfamiliar questions on exam day.
Where can I take the Texas insurance exam?
You can take the exam at a Pearson VUE testing center or via OnVUE online proctoring from your home or office.
What happens if I fail the Texas insurance exam?
If you fail, you can retake the exam. There is generally no waiting period, but you must pay the exam fee again.
Are these Texas Life and Health practice questions free?
Yes. You can start with free Texas Life and Health practice questions and detailed answer explanations. Premium access adds the complete question bank, full mock exams, and progress tracking.
Your First Step to Getting Licensed
Questions are manually curated by our content team using official Texas Department of Insurance exam outlines and study materials. We adhere to strict Editorial Standards to ensure accuracy. Each question covers topics from the Life & Health exam — so you practice with questions that closely mirror the actual Pearson VUE licensing exam.
Life Insurance
173 questions
Health Insurance
244 questions
General Insurance
118 questions
Annuities
84 questions
TX Law & Ethics
74 questions
Free Full-Length Line Practice Exams (25 Qs Each)
Life & Annuities Practice Exams
Realistic practice tests covering general principles, policy provisions, riders, annuities, and Texas life insurance laws.
Accident & Health Practice Exams
Realistic practice tests covering medical expense plans, disability income, Medicare, and Texas health insurance laws.
Flashcards
500+ Flashcards
Full Question Bank
650+ exam-like questions
Hard Questions
Tricky questions people miss
Built for One Goal: Pass the Insurance Exam on Your First Try
Practice what the exam actually tests — life, health, annuities, and Texas state law.
3 Full-Length Practice Tests Included
Get instant access to our printable 450-question practice exam book. Includes 3 complete Life & Health insurance practice tests — each with a 75-question Life section and a 75-question Health section — plus detailed answer keys with explanations. Perfect for timed practice sessions that mirror the real exam.
Essential Texas Insurance Exam Guides & Tips
Master every aspect of the Texas insurance licensing exam with our expert guides and insider knowledge.