100+ Free TX Life & Health Practice Questions
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Key Facts: TX Life & Health Exam
57%
First-Time Pass Rate
TX TDI 2024
150 Q
Exam Questions
TX TDI
0 hrs
Pre-License Education
Not required
$300K
Guaranty Life Limit
TX Guaranty Assoc.
24 hrs
CE Per Biennium
TX TDI
$62
Exam Fee
Pearson VUE
Texas' life and health insurance exam has a 57% first-time pass rate. It requires no mandatory pre-license education hours (though 40 hours is recommended), 150 questions in 2.5 hours, and 70% to pass. Texas is unique for having NO mandatory pre-license education requirement, the TDI-administered licensing system, and the Texas Life, Accident, Health and Hospital Service Insurance Guaranty Association with $300,000 life and $500,000 health coverage limits.
About the TX Life & Health Exam
The Texas life, accident, and health insurance exam covers TDI licensing requirements, Texas Insurance Code, annuity suitability and senior protections, Texas Life and Health Insurance Guaranty Association, replacement rules, and Texas-specific consumer protections including the unfair claims practices chapter.
Questions
150 scored questions
Time Limit
2 hours 30 minutes
Passing Score
70%
Exam Fee
$62 (Texas Department of Insurance (TDI) / Pearson VUE)
TX Life & Health Exam Content Outline
TX TDI & Licensing
TDI licensing, no mandatory pre-license education, license types, appointment, CE (24 hrs/2 yrs)
TX Life Insurance Laws
TX Insurance Code life provisions, replacement, annuity suitability, senior protections, free look periods
TX Health Insurance Laws
TX health policy requirements, Texas CHIP, Medicare supplement, small employer reform, long-term care
TX Ethics & Practices
Unfair claims practices, TX Guaranty Association, producer conduct, penalties, surplus lines
How to Pass the TX Life & Health Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours 30 minutes
- Exam fee: $62
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
TX Life & Health Study Tips from Top Performers
Frequently Asked Questions
How hard is the Texas life and health insurance exam?
The TX life and health exam has a 57% first-time pass rate with 150 questions in 2.5 hours, requiring 70% to pass. Despite having no mandatory pre-license education, the exam covers extensive Texas Insurance Code provisions. TDI licensing rules, guaranty association limits, and annuity suitability are heavily tested.
Does Texas require pre-license education for insurance?
No, Texas does NOT require mandatory pre-license education for life and health insurance licensing. However, 40 hours of study is strongly recommended. Texas does require 24 hours of continuing education every two years after licensure.
What is the Texas Life, Accident, Health and Hospital Service Insurance Guaranty Association?
The Texas Guaranty Association protects policyholders when an insurer becomes insolvent. Coverage limits are $300,000 for life insurance death benefits, $250,000 for annuity benefits, and $500,000 for health insurance benefits. Agents cannot use guaranty association coverage as a sales inducement.
What are Texas annuity suitability requirements?
Texas follows NAIC model suitability requirements for annuity sales. Producers must have reasonable grounds for recommending an annuity based on the consumer's financial situation, tax status, insurance needs, and investment objectives. Enhanced protections apply for seniors age 65+.