Texas Life & Health
Insurance Exam
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How to Pass the Texas Insurance Licensing Exam
Passing the Texas Life, Accident & Health insurance exam requires mastering life insurance, health insurance, annuities, and Texas-specific regulations. Our comprehensive study system helps you prepare with realistic practice questions and detailed explanations.
Topics Covered
Who Takes This Exam?
Aspiring Insurance Agents
Anyone seeking a Life, Accident & 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.
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 Texas Insurance Exam Practice PDF
Download our comprehensive practice test with 50 Texas-specific insurance exam questions with answers. Perfect for offline study and test preparation!
Instant download • No email required • Updated for 2026
Your Questions Answered
Quick answers to the most common questions about the Texas insurance licensing exam
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.
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.
How much does the Texas insurance exam cost?
The exam fee is typically around $43 per attempt, paid to the testing provider (Pearson VUE).
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 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.
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, Accident & 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
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.
