Texas Life & Health Insurance License Exam Overview
The Texas Life & Health Insurance License Exam is administered by Prometric on behalf of the Texas Department of Insurance (TDI). Texas is the second-largest state by population, offering tremendous opportunities for licensed insurance professionals.
With no state income tax and a booming economy, Texas is one of the best states to build an insurance career.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice |
| Time Limit | 2.5 hours |
| Passing Score | 70% (105 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $62 |
| Pre-licensing Education | 40 hours required |
Why Get Licensed in Texas?
- Second-largest state — Nearly 30 million potential clients
- Business-friendly — No state income tax on your commissions
- Growing population — People moving to Texas daily
- Diverse economy — Oil, tech, healthcare, manufacturing
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Key Topics Covered on the Exam
1. Life Insurance Products (30%)
Types of Life Insurance:
- Term Life Insurance (level, decreasing, return of premium)
- Whole Life Insurance (traditional, limited pay, modified)
- Universal Life (fixed, indexed, variable)
- Group Life Insurance
Key Policy Features:
| Feature | Texas Standard |
|---|---|
| Grace Period | 31 days |
| Incontestability | 2 years |
| Suicide Clause | 2 years |
| Free Look | 10 days (30 for replacements) |
| Misstatement of Age | Adjusted benefits |
2. Health Insurance Products (30%)
Individual and Group Health:
- Major medical coverage
- Hospital indemnity
- Disability income insurance
- Long-term care insurance
Texas-Specific Health Topics:
- Texas Health Insurance Pool (THIP) history
- CHIP (Children's Health Insurance Program)
- Texas Medicaid regulations
- Short-term health insurance rules
3. Annuities and Retirement (15%)
- Fixed annuities
- Variable annuities (requires securities license)
- Indexed annuities
- Immediate vs. deferred
- Texas suitability requirements
4. Texas Insurance Code (15%)
Key Texas Regulations:
- Unfair claims practices
- Unfair trade practices
- Advertising rules
- Replacement regulations
- Privacy requirements
Texas-Specific Laws:
- Texas Insurance Code Chapter 541 (unfair practices)
- Chapter 542 (prompt payment)
- Chapter 1115 (life insurance provisions)
5. Ethics and General Insurance (10%)
- Agent licensing requirements
- Fiduciary responsibilities
- Continuing education
- Policy delivery requirements
- Premium handling
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1 | Life insurance fundamentals | 10-12 |
| Week 2 | Health insurance products | 10-12 |
| Week 3 | Annuities and retirement | 8-10 |
| Week 4 | Texas Insurance Code | 8-10 |
| Week 5 | Practice exams and review | 10-15 |
Total recommended study time: 50-60 hours
🎯 Free Practice Questions Available
Practice with hundreds of free questions designed for the Texas Life & Health exam.
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Texas-Specific Exam Tips
1. Focus on Texas Insurance Code
Texas heavily tests state-specific regulations:
- Chapter 541 — Unfair methods of competition
- Chapter 542 — Prompt payment of claims
- Chapter 1115 — Life insurance policy provisions
2. Know These Texas Numbers
| Topic | Texas Requirement |
|---|---|
| Grace period | 31 days |
| Free look (standard) | 10 days |
| Free look (replacement) | 30 days |
| Pre-licensing education | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
3. Understand Texas Medicaid and CHIP
Texas has unique healthcare programs:
- Medicaid eligibility rules
- CHIP income limits
- Premium assistance programs
Common Mistakes to Avoid
- Ignoring Texas-specific laws — They're 15-20% of the exam
- Confusing grace periods — Texas uses 31 days, not 30
- Skipping annuity suitability — Texas is strict
- Not timing practice exams — 2.5 hours goes fast
- Underestimating health insurance — Equal weight to life
After Passing Your Exam
- Apply online through TDI's SIRCON system
- Complete background check and fingerprinting
- Pay license fee — $50 for initial license
- Receive license — Usually within 2-4 weeks
- Affiliate with a company and start selling
2026 Texas Updates
For 2026, be aware of:
- Updated TDI continuing education rules
- New telehealth coverage mandates
- Modified surplus lines regulations
- Enhanced consumer protection requirements
Start Your Texas Insurance Career Today
Texas offers one of the best markets for insurance professionals. Pass your exam on the first try with our free prep materials.
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Our free study materials include:
- ✅ Complete topic coverage
- ✅ Practice questions with explanations
- ✅ Texas Insurance Code summaries
- ✅ Study guides and key facts
- ✅ AI-powered study assistance
Everything you need to pass is 100% FREE.