The Life & Health insurance license helps individuals and families protect their future. This guide explains the exam structure and key details of the Texas Life, Accident & Health insurance exam.
A Life & Health license allows you to sell individual and group life insurance policies, offer health insurance products and Medicare supplements, provide annuity solutions for retirement planning, build a flexible commission-based career, and help families secure their financial future.
Texas does not require a fixed number of state-approved pre-licensing education hours for the Life & Health insurance license. Most applicants prepare for the exam through exam-focused training rather than mandated classroom hours.
A 40-hour training requirement applies only to applicants issued a temporary license through a sponsoring company or agency and is not a general requirement for all applicants.
All applicants must undergo a background check. While certain criminal convictions may not automatically disqualify you, transparency is essential throughout the application process.
You must be at least 18 years old to obtain an insurance license in Texas.
The order of the Texas licensing process matters.
You will schedule and pass the state exam through Pearson VUE, complete fingerprinting for the background check, submit your license application through the National Insurance Producer Registry (NIPR) or Sircon, and pay the applicable application fees.
Understanding the exam format helps reduce test-day anxiety and allows you to prepare strategically.
The exam contains 145 multiple-choice questions and must be completed within 150 minutes. Most questions are scored, and a small number are unscored pretest questions that are indistinguishable from scored items. To pass, you must earn a 70% score on the scored questions.
(Based on the Official Pearson VUE Exam Outline)
The Texas Life, Accident & Health insurance exam is divided between general insurance knowledge and Texas-specific laws and regulations. The exam emphasizes understanding and application of concepts rather than memorization.
According to the official exam outline published by Pearson VUE for the Texas Department of Insurance, candidates are tested on the following topic areas:
Types of life insurance policies, policy provisions, riders, exclusions, beneficiaries, settlement options, policy ownership, premium payment options, and underwriting principles related to life insurance.
Individual and group health policies, medical expense coverage, disability income insurance, long-term care insurance, and government health programs such as Medicare and Medicaid. Questions may also address underwriting considerations and policy provisions related to health coverage.
Annuity types, contract features, payout options, accumulation and annuitization concepts, taxation basics, and suitability considerations.
Texas Insurance Code requirements, producer licensing and appointment rules, ethical and prohibited practices, replacement regulations, consumer protections, and privacy requirements.
Risk management principles, insurance contract characteristics, legal concepts, and basic insurance terminology applicable across product lines.
Important Note: Pearson VUE does not publish exact percentage weightings for each topic area. All outlined topics should be considered testable.
After helping thousands of students prepare for their licensing exams, several patterns consistently appear among candidates who do not pass on the first attempt.
Rushing through exam preparation is common when candidates treat studying as a box to check rather than a learning process. Others struggle because they focus on memorization instead of understanding how exam questions are structured and applied. Texas-specific regulations are frequently underestimated, even though they are clearly outlined in the exam content.
Time management is another challenge. With limited time per question, lingering too long on difficult questions can cost valuable points. Finally, many candidates skip full-length practice exams, leaving them unprepared for the pacing and stamina required on test day.
Most students do not need four weeks to prepare for the Texas Life & Health exam.
With structured, exam-focused preparation, many candidates complete their study process in 3–5 days, combining guided instruction with realistic practice exams and targeted review.
123AceTheTest.com helps students prepare with live Zoom classes, on-demand learning, and in-person instruction designed specifically for Texas insurance licensing exams. Our Texas-focused preparation materials and realistic practice exams help students approach test day with confidence.
