Texas Life & Health license exam prep

Texas Life & Health Insurance Practice Test 2026

Practice the exam Texas uses, from general life & health knowledge to Texas's own insurance law. Every answer quotes the statute behind it.

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What the Texas exam tests

General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Texas's own insurance law.

Texas requirement to pass

130 scored questions. The time limit and passing score are set by Texas; check the candidate handbook.

Last verified August 2026 · Insurance Content Outlines

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Master each topic before your Texas exam. First 4 topics are free to start.

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Texas insurance lawPRO109 questions Practice run: State Insurance Statutes & Regulations20 questions free, 25 with Pro · mixed topicsStart run

Pro study tools

The free runs cover the basics. These tools answer one question: would you pass the Life & Health test today?

Life & Health Exam SimulatorPROA timed, full-length practice exam with no feedback until you finish, so it feels like test day.

Quick QuizPROA short set drawn from the questions you miss most, reshuffled every time.

Readiness analysisPROYour strengths, weak spots, and estimated pass probability across the bank.

Your Life & Health readiness, before you book.

This is a sample report. With Pro, the score and every dimension come from your own answers.

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SAMPLE SCORE BREAKDOWN

SAMPLE

Coverage62%

Accuracy78%

Test Performance71%

Memory66%

Speed84%

81% likely to pass (sample)Focus on: Coverage

About the Texas Life & Health exam

The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.

What it covers

Life insurance policy types, provisions and riders
Annuities and how they are taxed
Accident and health insurance, including HMOs and managed care
Your state's producer licensing, marketing and unfair trade practice rules

Who takes it

New agents and career changers getting a first producer license, and agents adding life and health to an existing license.

Texas official sources

Unfair methods of competition and unfair or deceptive acts or practicesTex. Ins. Code ch. 541 · Texas Legislature (statutes.capitol.texas.gov)
Life insurance required and prohibited policy provisionsTex. Ins. Code ch. 1101 · Texas Legislature (statutes.capitol.texas.gov)
Agent licensing in generalTex. Ins. Code ch. 4001 · Texas Legislature (statutes.capitol.texas.gov)
Conduct, disciplinary actions, and sanctionsTex. Ins. Code ch. 4005 · Texas Legislature (statutes.capitol.texas.gov)
Accident and health insurance policy provisionsTex. Ins. Code ch. 1201 · Texas Legislature (statutes.capitol.texas.gov)
Conduct That Constitutes the Business of InsuranceTexas Insurance Code § 101.051 · Texas Legislature (Texas Insurance Code)
Insurance Code, Chapters 541, 1101, 1103, 1131 and part of 1251 (first half)Texas Legislative Council, statutes.capitol.texas.gov (retrieved via an Internet Archive snapshot of the official site)
Insurance Code, Chapters 1251, 1271, 1651, 1652, 4001, 4051 and 4054 (second half)Texas Legislative Council, statutes.capitol.texas.gov (retrieved via an Internet Archive snapshot of the official site)

All Texas insurance laws and exam sources

Provisions these questions cite most

Every answer quotes the provision it tests. These are the Texas provisions the questions on this page cite most often.

Tex. Ins. Code § 541.060 · Unfair Settlement Practices5 questions
Tex. Ins. Code § 101.0513 questions
Tex. Ins. Code § 1101.008 · Adjustment of Amount Payable if Age Understated3 questions
Tex. Ins. Code § 4001.101 · License or Certificate of Authority Required3 questions
Tex. Ins. Code § 541.052 · False Information and Advertising3 questions
Tex. Ins. Code § 1101.005 · Grace Period2 questions
Tex. Ins. Code § 1101.006 · Incontestability2 questions
Tex. Ins. Code § 1101.055 · Settlement on Maturity Less Than Face Value2 questions

Exam figures on this page were checked against official pages: License fee · Exam fee. Confirm anything you rely on with the testing company and the Texas Department of Insurance.

Frequently asked questions

Texas's published content outline lists 130 scored questions. Exams also include a few unscored pretest questions.

The passing score is set by Texas. Most states use 70%, but check the Texas candidate handbook from the testing vendor for the exact figure.

Texas uses Pearson VUE, an independent testing company that schedules and runs licensing exams. Its candidate handbook explains how to register and what to bring.

The testing company lists an exam fee of $49, paid when you register; the exact amount depends on which exam you take. The Texas Department of Insurance lists $50 for the license itself, which depends on the license type. Fees can change, so confirm them when you book.

It depends on the state and license. Check the Texas Department of Insurance for the current Life & Health pre-licensing requirement before you register.

Retake rules come from Texas and its testing vendor: you pay the fee again and, in some cases, wait a set number of days. Check the Texas candidate handbook from the testing vendor for the exact figure.

Passing is one step. You then apply for the license through the Texas Department of Insurance, usually with a background check and a fee.

Yes. Each state writes its own version, combining general life & health knowledge with Texas insurance law.

More Texas practice tests

Texas Property & Casualty practice test Texas Personal Lines practice test Texas Claims Adjuster practice test

Life & Health practice tests in other states

California Florida New York Pennsylvania Illinois Ohio Georgia North Carolina Michigan New Jersey Virginia Washington

See all Life & Health states →