Texas Life & Health Insurance Cram Guide

Texas Insurance Exam Cheat Sheet

Unlock the official Texas exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free Texas practice questions to test your knowledge.

What's Covered on the Texas Life & Health Exam

Two exam lines — know what each one tests

Life Insurance Line

Term, Whole, Universal & Variable Life policies
Annuities (fixed, variable, immediate, deferred)
Beneficiary designations & settlement options
Policy riders: waiver of premium, AD&D, COLA
Replacement rules & suitability requirements
Grace period: 31 Days | Free-look: 10 Days (20 Days (Life replacement) / 30 Days (LTC/Medicare))

Health Insurance Line

Individual & group health, HMO, PPO, EPO, POS plans
Medicare Parts A, B, C, D & Medigap supplements
Medicaid & CHIP eligibility rules
COBRA, HIPAA, ACA & continuation provisions
Disability income: STD & LTD elimination periods
Grace periods: 7 / 10 / 31 days by premium mode

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All 750+ Texas practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
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Texas

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All 750+ Texas practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

Texas

Pass with Confidence

30-day access - One-time payment

57% of our users prefer this option to ensure they pass on the first try.

$59

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 750+ Texas practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

Master the Exam

90-day access - One-time payment

78% of candidates select this plan to guarantee a passing score.

$89

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 750+ Texas practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

Texas

Ultimate Flexibility

365-day access - One-time payment

Perfect for studying at your own pace with zero pressure.

$129

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 750+ Texas practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

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Frequently Asked Questions

Q:How do I pass the Texas insurance exam?

To pass the Texas insurance exam, you should complete a pre-licensing course (if required or recommended), study the Texas Insurance Code, and practice with high-quality exam questions. Aim for consistency above 80% on practice tests.

Q:What is the passing score for the Texas insurance exam?

The passing score for most Texas insurance exams is 70%. You will need to answer correctly approximately 105 out of 150 questions.

Q:How much does the Texas insurance exam cost?

The exam fee is typically around $43 per attempt, paid to the testing provider (Pearson VUE).

Q: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.

Q: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.

Q:Are there pre-licensing education requirements in Texas?

Texas requires 40 hours of pre-licensing education for a General Lines Life, Accident & Health license through a TDI-approved provider. It is highly recommended to complete a structured course to ensure thorough preparation.