Key Takeaways
- Texas does not require pre-license education but strongly recommends completing a prep course
- The Texas Life & Health exam has 145 questions (130 scored) with a 2.5-hour time limit and 70% passing score
- Pearson VUE administers Texas insurance exams at testing centers statewide
- Applications must be submitted within 1 year of passing the exam
- Texas licenses are valid for 2 years with 24 hours of CE required for renewal
Texas Producer Licensing Requirements
Texas has specific requirements for obtaining a Life & Health insurance producer license. Notably, Texas does not require pre-license education.
Pre-License Education
Texas does not require pre-license education for insurance licenses:
- No mandatory classroom hours
- No specific courses required
- However, preparation courses are strongly recommended
- Most candidates complete 20-40 hours of study
Exam Tip: Texas is one of the few states that does not require pre-license education. However, this doesn't mean the exam is easy—study is still essential.
Examination Requirements
The Texas General Lines - Life, Accident, Health and HMO examination:
| Exam Detail | Requirement |
|---|---|
| Total Questions | 145 |
| Scored Questions | 130 |
| Pretest Questions | 15 (not scored) |
| Time Limit | 2.5 hours |
| Passing Score | 70% |
| Testing Provider | Pearson VUE |
| Exam Fee | Approximately $45 |
Exam Content Breakdown
| Content Area | Weight |
|---|---|
| General Insurance | Tested |
| Life Insurance | Tested |
| Annuities | Tested |
| Health Insurance | Tested |
| Texas Statutes & Rules | Heavily Tested |
Examination Process
- Study using approved materials (recommended)
- Schedule exam with Pearson VUE online or call (888) 754-7667
- Bring valid ID with photo (driver's license, passport)
- Receive results immediately after exam
- Pass with 70% or higher
Application Process
After passing the exam:
Timeline
- Must submit application within 1 year of passing exam
- If you wait longer, you must retake and pass the exam
- Application fee is $50
Required Information
- Personal information and contact details
- Employment history
- Criminal history disclosure
- Fingerprinting (if required)
- Proof of exam passage
Background Check
Texas may require background checks:
- Fingerprinting for criminal history check
- Disclosure of any criminal convictions
- Disclosure of any administrative actions
- TDI reviews criminal history for suitability
Disqualifying Factors
TDI may deny a license for:
- Felony convictions
- Crimes involving fraud or dishonesty
- Prior insurance license revocations
- Misrepresentation on application
License Types
Texas offers several license types:
| License Type | Authority |
|---|---|
| General Lines - Life | Life insurance and annuities |
| General Lines - Accident & Health | Health, disability, LTC |
| General Lines - Life, Accident, Health & HMO | All life and health products |
Agent Appointments
After obtaining a license:
- Must be appointed by an insurer to sell their products
- Appointment filed with TDI
- Can hold multiple appointments
- Insurers responsible for agent conduct
Does Texas require pre-license education for insurance licenses?
What is the passing score for the Texas Life & Health insurance exam?
Within how long after passing the Texas insurance exam must you submit your license application?