100+ Free TX Surplus Lines Practice Questions

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What is a domestic surplus lines insurer?

A foreign government insurer

A personal lines insurer

A U.S.-domiciled insurer not admitted in the state where it writes surplus lines business

An insurer domiciled in the same state

to track

Same family resources

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Free Surplus Lines Insurance Practice Test by State 2026: 2,300+ Questions22 min read

2026 Statistics

Key Facts: TX Surplus Lines Exam

65-75%

First-Time Pass Rate

Industry Data

70%

Passing Score

TDI

Exam Questions

Pearson VUE

~1 hr

Exam Duration

Pearson VUE

$61

Exam Fee

Pearson VUE

P&C Required

Prerequisite

TDI

Texas requires surplus lines agents to pass a 60-question licensing exam with a 70% passing score. Candidates must hold an active P&C license. Spanish-language exam available. Texas is one of the largest surplus lines markets due to its energy sector and Gulf Coast exposure.

Sample TX Surplus Lines Practice Questions

Try these sample questions to test your TX Surplus Lines exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1What is the primary purpose of the surplus lines market in Texas?

A.To provide coverage for risks that cannot be placed with admitted insurers

B.To offer lower premiums than the standard market

C.To replace the admitted insurance market entirely

D.To provide government-backed insurance programs

Explanation: The surplus lines market exists to provide coverage for risks that the standard admitted market is unable or unwilling to insure. In Texas, this includes unique, high-risk, or hard-to-place exposures such as energy, petrochemical, and coastal property risks.

2Which entity administers the Texas surplus lines broker licensing exam?

A.Pearson VUE

B.PSI Services

C.Prometric

D.The Texas Department of Insurance directly

Explanation: Texas uses Pearson VUE as its exam administrator for insurance licensing examinations, including the surplus lines broker exam. Pearson VUE provides computer-based testing at authorized centers throughout the state.

3What is the passing score for the Texas surplus lines broker exam?

A.70%

B.75%

C.80%

D.65%

Explanation: The Texas surplus lines broker exam requires a minimum passing score of 70%. Candidates must demonstrate adequate knowledge of surplus lines law, markets, compliance, and Texas-specific regulations to pass.

4What license must a surplus lines agent hold as a prerequisite in Texas?

A.An active Property & Casualty insurance agent license

B.A Life & Health insurance license

C.A personal lines license only

D.No prior license is required

Explanation: Texas requires surplus lines agent applicants to hold an active Property & Casualty insurance agent license. This ensures agents have foundational knowledge before entering the specialized surplus lines market. Texas uses the term 'surplus lines agent' rather than 'broker.'

5What is the approximate exam fee for the Texas surplus lines agent licensing exam?

A.$61

B.$43

C.$32

D.$55

Explanation: The Texas surplus lines agent licensing exam costs approximately $61, paid to Pearson VUE at the time of scheduling. This covers the cost of computer-based testing at an authorized testing center.

6How many scored questions are on the Texas surplus lines agent exam?

A.60 scored questions

B.50 scored questions

C.75 scored questions

D.100 scored questions

Explanation: The Texas surplus lines agent exam contains 60 scored questions. Candidates have approximately one hour to complete the exam. The exam content is effective as of December 1, 2025.

7Is the Texas surplus lines exam available in Spanish?

A.Yes, a Spanish-language version of the exam is available

B.No, the exam is only available in English

C.Only for candidates who request a special accommodation

D.Spanish is available only for the study materials

Explanation: Texas offers a Spanish-language version of the surplus lines agent exam, making it accessible to Spanish-speaking candidates. This is a notable feature as not all states offer their insurance exams in languages other than English.

8When did the current Texas surplus lines exam content become effective?

A.December 1, 2025

B.January 1, 2026

C.July 1, 2025

D.March 1, 2026

Explanation: The current Texas surplus lines exam content became effective on December 1, 2025. Candidates should ensure they are studying the most current exam outline and content to prepare for questions reflecting the latest regulations.

9Which entity is the primary regulator of surplus lines insurance in Texas?

A.Texas Department of Insurance (TDI)

B.Texas Secretary of State

C.Texas Attorney General's Office

D.Texas Comptroller of Public Accounts

Explanation: The Texas Department of Insurance (TDI) is the primary regulator overseeing surplus lines activities in Texas. TDI establishes licensing requirements, maintains eligible insurer lists, enforces compliance, and oversees the Surplus Lines Stamping Office of Texas (SLSOT).

10What is the Surplus Lines Stamping Office of Texas (SLSOT)?

A.An organization that reviews and stamps surplus lines filings to verify compliance with Texas law

B.A government agency that directly licenses surplus lines agents

C.A division of TDI that handles consumer complaints

D.An insurer that writes surplus lines coverage in Texas

Explanation: The Surplus Lines Stamping Office of Texas (SLSOT) reviews and stamps surplus lines filings submitted by surplus lines agents to verify compliance with Texas surplus lines law. It ensures eligible insurers are used, diligent searches are documented, and proper taxes are calculated.

About the TX Surplus Lines Exam

The Texas surplus lines agent exam covers surplus lines markets (Lloyd's, London market, alien insurers), TDI regulations, SLSOT filing requirements, diligent search, the 4.85% premium tax, energy and petrochemical risks, non-admitted insurer eligibility, and NRRA compliance. Content effective December 1, 2025.

Questions

60 scored questions

Time Limit

~1 hour

Passing Score

70%

Exam Fee

$61 (Pearson VUE)

TX Surplus Lines Exam Content Outline

30%

Surplus Lines Markets

Lloyd's of London, London market, alien insurers, domestic surplus lines insurers, E&S market structure, and placement procedures

25%

Texas Surplus Lines Law

Texas Insurance Code provisions, TDI regulations, SLSOT requirements, licensing, agent duties, and compliance obligations

20%

Diligent Search & Eligibility

Diligent search process, documentation standards, eligible insurer list, non-admitted insurer qualifications, and NAIC standards

25%

Taxation & Compliance

Texas 4.85% surplus lines premium tax, SLSOT filing requirements, record-keeping, disclosure obligations, and penalties

How to Pass the TX Surplus Lines Exam

What You Need to Know

Passing score: 70%
Exam length: 60 questions
Time limit: ~1 hour
Exam fee: $61

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 Surplus Lines Study Tips from Top Performers

1Know the 4.85% Texas surplus lines tax rate and practice tax calculation questions

2Understand the SLSOT's role in reviewing filings and its filing deadlines

3Study Texas energy sector risks as common surplus lines placements

4Master diligent search documentation requirements for Texas

5Review NRRA home state provisions and exempt commercial purchaser rules

6Know the difference between surplus lines agents and managing general agents (MGAs)

Frequently Asked Questions

What is the passing score for the Texas surplus lines exam?

The Texas surplus lines agent exam requires a minimum passing score of 70%. The exam has 60 scored questions with approximately one hour to complete.

Is the Texas surplus lines exam available in Spanish?

Yes. Texas offers a Spanish-language version of the surplus lines agent exam, making it accessible to Spanish-speaking candidates.

What is the SLSOT and why is it important?

The Surplus Lines Stamping Office of Texas reviews all surplus lines filings for compliance. It verifies insurer eligibility, diligent searches, and tax calculations. All surplus lines agents must file with the SLSOT.

What is the Texas surplus lines tax rate?

Texas imposes a 4.85% surplus lines premium tax on gross premiums. This includes the base tax plus applicable stamping fees. Agents must collect and remit this tax properly.

Why is Texas one of the largest surplus lines markets?

Texas's massive energy sector (oil and gas, petrochemical), extensive Gulf Coast exposure, and large commercial insurance base generate significant demand for E&S coverage that admitted carriers cannot fully accommodate.

When did the current exam content become effective?

The current Texas surplus lines exam content became effective December 1, 2025. Candidates should study the most current exam outline for up-to-date content.