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Exam Review

Key Facts: TX Life & Health Exam

145 Q

Exam Questions (130 scored)

Pearson VUE TX outline

0 hrs

Pre-License Education

Not required

$300K

Guaranty Life Limit

TX Guaranty Assoc.

24 hrs

CE Per Biennium

TX TDI

$49

Exam Fee

Pearson VUE

Texas' General Lines Life, Accident and Health exam (InsTX-LAH05) has 145 questions (130 scored plus 15 pretest) in 150 minutes, a scaled passing score of 70, and a $49 Pearson VUE fee. The permanent license requires no pre-license education hours. 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.

Sample TX Life & Health Practice Questions

Try these sample questions to review concepts for the TX Life & Health exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 649+ question experience with AI tutoring.

1Which Texas state agency is responsible for regulating the insurance industry, including life and health insurance?
A.Texas Department of Licensing and Regulation (TDLR)
B.Texas Department of Insurance (TDI)
C.Texas Health and Human Services Commission
D.Texas State Board of Insurance
Explanation: The Texas Department of Insurance (TDI) is the state agency that regulates the insurance industry in Texas, including all life, health, and accident insurance. TDI is headed by the Commissioner of Insurance, who is appointed by the Governor. The Texas State Board of Insurance was the predecessor agency but was abolished in 1993.
2Who appoints the Texas Commissioner of Insurance?
A.The Texas Legislature
B.The Governor of Texas
C.The Commissioner is elected by popular vote
D.The National Association of Insurance Commissioners (NAIC)
Explanation: The Texas Commissioner of Insurance is appointed by the Governor of Texas and confirmed by the Texas Senate. The Commissioner serves a two-year term and oversees TDI operations, rulemaking, and enforcement. This is different from some states where the commissioner is elected by popular vote.
3What is unique about Texas regarding mandatory pre-license education for insurance producers?
A.Texas requires 200 hours of pre-license education
B.Texas has NO mandatory pre-license education requirement
C.Texas requires only 20 hours of pre-license education
D.Texas requires a college degree instead of pre-license courses
Explanation: Texas is unique among many states in that it does NOT require mandatory pre-license education for insurance producers. While most states require applicants to complete a certain number of classroom or online hours before sitting for the licensing exam, Texas allows candidates to take the exam without completing any formal pre-license courses. However, studying is still strongly recommended to pass the exam.
4Which of the following is a type of insurance license available in Texas that allows a producer to sell life, health, and accident insurance?
A.Property and Casualty license
B.General Lines - Life, Accident, and Health license
C.Surplus Lines license
D.Managing General Agent license
Explanation: The General Lines - Life, Accident, and Health license is the primary license type in Texas that authorizes a producer to sell life insurance, health insurance, and accident insurance products. Texas uses the 'General Lines' designation for its main license categories, distinguishing between Life/Accident/Health and Property/Casualty lines of authority.
5How many hours of continuing education (CE) must a Texas insurance producer complete per license renewal period?
A.15 hours annually
B.24 hours per two-year (biennial) renewal period
C.30 hours per two-year renewal period
D.40 hours per three-year renewal period
Explanation: Texas requires insurance producers to complete 24 hours of continuing education per biennial (two-year) license renewal period. Of these 24 hours, at least 2 hours must be in ethics and at least 1 hour must cover the Texas Insurance Code. CE must be completed through TDI-approved providers.
6A newly licensed Texas insurance producer must be appointed by an insurer within how many days of the insurer's first use of the producer's services?
A.15 days
B.30 days
C.60 days
D.90 days
Explanation: Under the Texas Insurance Code, an insurer must file an appointment for a producer within 60 days of the date the insurer first uses the producer's services. The appointment links the producer to the specific insurer and authorizes the producer to act on behalf of that company. Failure to appoint within the required timeframe can result in penalties.
7Which of the following is required as part of the 24-hour CE requirement for Texas insurance producers?
A.At least 6 hours in life insurance topics
B.At least 2 hours in ethics
C.At least 8 hours in classroom instruction
D.At least 4 hours in health insurance topics
Explanation: Texas requires that at least 2 of the 24 CE hours be in ethics education. Additionally, at least 1 hour must cover the Texas Insurance Code. The remaining hours can be in any approved insurance-related topics. There is no specific requirement for classroom versus online instruction.
8A Texas Limited Lines license allows a producer to sell which of the following?
A.All types of life, health, and accident insurance
B.Only specific, restricted insurance products such as travel insurance or credit insurance
C.Property and casualty insurance exclusively
D.Only group health insurance policies
Explanation: A Texas Limited Lines license restricts the producer to selling only specific, narrow categories of insurance products. Examples include travel insurance, credit insurance, and portable electronics insurance. This license type does not authorize the sale of general life, health, or property/casualty insurance products, which require a General Lines license.
9An insurance producer's Texas license is suspended. During the suspension period, the producer may:
A.Continue to sell insurance under supervision
B.Collect renewal commissions on previously sold policies only
C.Not engage in any insurance activities including solicitation
D.Transfer their book of business to another producer for a fee
Explanation: When a Texas insurance producer's license is suspended, the producer may not engage in any insurance-related activities, including solicitation, negotiation, or sale of insurance products. Acting as a producer while suspended is a violation of the Texas Insurance Code and can result in additional penalties, fines, or permanent revocation.
10Under Texas law, which of the following would be grounds for TDI to deny an insurance license application?
A.The applicant is under 25 years of age
B.The applicant has a felony conviction involving dishonesty
C.The applicant did not complete pre-license education
D.The applicant has been a Texas resident for less than two years
Explanation: TDI may deny a license application if the applicant has a criminal conviction involving dishonesty or breach of trust, such as fraud or embezzlement. Since Texas does not require pre-license education, that cannot be grounds for denial. There is no minimum age of 25 or two-year residency requirement for Texas insurance licensure.

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.

Exam sponsor: Texas Department of Insurance (TDI) / Pearson VUE. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

145 questions

Time Limit

2 hours 30 minutes

Passing Score

Scaled score of 70

Exam / Certification Fees

$49

Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

15 Qs

Life: Types of Policies

Traditional, interest-sensitive and term life products (Texas general outline, 100 scored items)

15 Qs

Life: Riders, Provisions, Options and Exclusions

Policy provisions, riders, options and exclusions

12 Qs

Completing the Application, Underwriting and Delivery

Field underwriting and policy delivery for life insurance

8 Qs

Retirement and Other Insurance Concepts

Retirement plans, group life and other concepts

16 Qs

Health: Types of Policies

Medical expense, disability and other health policies

15 Qs

Health: Policy Provisions, Clauses and Riders

Uniform provisions, clauses and riders

6 Qs

Social Insurance

Medicare, Medicaid and Social Security

5 Qs

Other Insurance Concepts

Other health insurance concepts

8 Qs

Health: Field Underwriting Procedures

Health application and underwriting procedures

14 Qs

Texas Statutes and Rules Common to Life and Health

Texas state portion (30 scored items): licensing and common rules

6 Qs

Texas Law Pertinent to Life Insurance Only

Texas life-only statutes and rules

7 Qs

Texas Law Pertinent to Health Insurance Only

Texas health-only statutes and rules

3 Qs

Texas Law Pertinent to HMOs

Texas health maintenance organization rules

Preparing for the TX Life & Health Exam

What You Need to Know

  • Passing score: Scaled score of 70
  • Exam length: 145 questions
  • Time limit: 2 hours 30 minutes
  • Exam / certification fees: $49 Official sources

Using Our Practice Resources

  • Work through all 649 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

TX Life & Health: Suggested Study Strategy

1Know that Texas has NO mandatory pre-license education — but 24 hrs/2 yrs CE is required
2Master TX Guaranty Association limits: $300K life, $250K annuity, $500K health
3Understand TDI licensing types: General Lines, Life/Health/Accident, Limited Lines
4Study Texas Insurance Code unfair claims practices provisions
5Learn Texas-specific Medicare supplement and small employer health reform rules

Frequently Asked Questions

How hard is the Texas life and health insurance exam?

The TX life and health exam (InsTX-LAH05) has 145 questions (130 scored plus 15 pretest) in 150 minutes, and you need a scaled score of 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. 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+.