Key Takeaways
- Texas does NOT require pre-licensing education, but study is strongly recommended
- The exam has 145 questions (130 scored + 15 pretest) with a 70% passing score required
- Pearson VUE administers Texas insurance exams (in-person only as of March 2024)
- Texas Department of Insurance (TDI) regulates all insurance activities
- Must apply for license within 1 year of passing the exam
Texas Life & Health Insurance Exam
Welcome to the Texas Life & Health Insurance Exam study guide. This comprehensive resource covers Texas-specific insurance laws, regulations, and practices required for your state licensing exam.
About Texas's Life & Health License
Texas requires insurance producers to pass the General Lines - Life, Accident, Health and HMO examination to sell life and health insurance products in the state. The license is regulated by the Texas Department of Insurance (TDI), which oversees all insurance activities in Texas.
What This Exam Covers
This guide focuses exclusively on Texas state law and regulations:
- Texas Department of Insurance structure and authority
- State licensing requirements and procedures
- Texas Insurance Code provisions
- Life insurance laws and policy requirements in Texas
- Health insurance regulations specific to Texas
- State consumer protections and disclosures
- Texas-specific policy provisions and endorsements
- Ethics and professional conduct under Texas law
national Life & Health exam preparationFree exam prep with practice questions & AI tutor
Exam Structure
| Exam Detail | Requirement |
|---|---|
| Total Questions | 145 |
| Scored Questions | 130 (100 national + 30 state-specific) |
| Pretest Questions | 15 (10 national + 5 state) |
| Passing Score | 70% |
| Time Limit | 2.5 hours (150 minutes) |
| Exam Fee | $43 (Life, Accident & Health) or $33 (Life only) |
| Test Provider | Pearson VUE |
Exam Content Breakdown
| Section | Scored Questions | Pretest Questions |
|---|---|---|
| National/General Content | 100 | 10 |
| Texas State Specific | 30 | 5 |
| Total | 130 | 15 |
Pre-License Education Requirements
Texas does NOT require pre-licensing education:
- No required classroom hours
- No mandated online courses
- No approved education providers needed
Recommended Preparation
Although not required, TDI and industry professionals strongly recommend:
- Completing a comprehensive study course
- Studying 40-60 hours of exam content
- Taking multiple practice exams
- Reviewing Texas Insurance Code thoroughly
Important: Texas is one of the few states without a pre-licensing education requirement. However, the exam is comprehensive and challenging. Proper preparation is essential for success.
Exam Registration
Testing Provider
Texas uses Pearson VUE to develop and administer its insurance licensing examination program.
Important: In-Person Testing Only
As of March 1, 2024, remote exams are no longer offered in Texas. All exams must be taken in-person at a Pearson VUE testing site.
Exam Fees
| Exam Type | Fee |
|---|---|
| Life, Accident & Health | $43 |
| Life Insurance Only | $33 |
Exam Day Requirements
- Bring valid government-issued photo ID
- Arrive 30 minutes early at the test center
- No personal items allowed in testing room
Fingerprinting Requirements
Texas requires a fingerprint background check:
| Requirement | Details |
|---|---|
| Provider | IdentoGO |
| Scheduling | Online at IdentoGO or call (888) 467-2080 |
| Purpose | Background check required by TDI |
License Application Process
After passing the exam:
- Submit Application: Apply within 1 year of passing the exam
- Pay Application Fee: $50 application fee
- Complete Fingerprinting: Through IdentoGO
- Background Check: TDI reviews results
- License Issued: After TDI approval
Important: If you do not apply within 1 year of passing the exam, you will need to retake the exam.
Basic Qualifications
To obtain an insurance license in Texas, you must:
- Be at least 18 years of age
- Be a resident of the state of Texas (for resident license)
- Pass the state licensing exam
- Complete fingerprint background check
Continuing Education Requirements
To maintain your Texas Life & Health license:
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics Hours | Required (included in total) |
| Renewal Cycle | Every 2 years |
Texas Department of Insurance
TDI regulates insurance in Texas:
Contact Information
- Website: www.tdi.texas.gov
- Phone: (512) 676-6000 or (800) 252-3439
- Address: 333 Guadalupe Street, Austin, TX 78701
What This Study Guide Covers
This guide is organized into the following chapters:
- Chapter 1: Texas Insurance Regulation & Licensing
- Chapter 2: Texas Life Insurance Laws
- Chapter 3: Texas Health Insurance Laws
- Chapter 4: Texas Policy Provisions & Consumer Protections
- Chapter 5: Ethics & Professional Conduct
- Chapter 6: Texas Guaranty Associations & Special Programs
Work through each chapter systematically, complete all practice questions, and review key takeaways until you can recall them confidently.
Study Recommendations
Timeline
6-8 Weeks Before Exam:
- Begin studying Texas insurance law and the Texas Insurance Code
- Review national Life & Health concepts
- Take diagnostic practice tests
4 Weeks Before Exam:
- Focus on weak areas identified
- Complete practice quizzes daily
- Memorize key Texas requirements
2 Weeks Before Exam:
- Take full-length practice exams
- Review Texas-specific regulations
- Schedule your exam with Pearson VUE
1 Week Before Exam:
- Final review of key topics
- Focus on Texas laws and rules
- Get adequate rest
Test-Taking Tips
Before the Exam
- Schedule exam with Pearson VUE (in-person only)
- Register for fingerprinting with IdentoGO
- Arrive 30 minutes early at the test center
- Bring valid government-issued photo ID
- No materials allowed in testing room
During the Exam
- Read carefully: Every word matters
- Watch for negatives: "NOT", "EXCEPT", "LEAST"
- Eliminate wrong answers: Narrow choices
- Flag difficult questions: Return later
- Manage time: ~1 minute per question
- Don't overthink: Trust your preparation
After the Exam
- Results provided immediately
- Passing: Apply for license within 1 year
- Failing: Reschedule and pay new exam fee
Disclaimer: This study guide is for educational purposes only and does not guarantee exam success. Always verify current regulations with the Texas Department of Insurance, as laws and requirements may change.
Does Texas require pre-licensing education before taking the Life & Health insurance exam?
How many questions are on the Texas Life, Accident, Health and HMO exam?
What is the passing score for the Texas insurance licensing exam?
How long do you have to apply for your Texas insurance license after passing the exam?
As of March 2024, how can Texas insurance exams be taken?