What Are the Pass Rates for the Texas Insurance Exam?
Texas insurance exam pass rates are published by Pearson VUE on behalf of the Texas Department of Insurance. According to the 2025 full-year data, first-time pass rates are 57% for Life and Health and 59% for Property and Casualty. Repeaters fare worse — 40% for L&H and 37% for P&C. Preparation is the single biggest variable you can control.
The Texas Department of Insurance oversees all licensing examinations in the state, with Pearson VUE administering the actual tests at approved testing centers. These exams are not designed to be easy, and the numbers reflect that. Whether you are going for a Life and Health license or a Property and Casualty license, walking in underprepared is a real risk.
How Do Pass Rates Differ Between Life and Health vs. Property and Casualty?
The two major license types in Texas have different pass rate profiles. Here are the exact numbers from Pearson VUE’s 2025 full-year report.
| Exam | First-Time Pass Rate | Repeater Pass Rate | Overall | Total Candidates (2025) |
|---|---|---|---|---|
| Life & Health (English) | 57% | 40% | 50% | 42,566 |
| Property & Casualty (English) | 59% | 37% | 50% | 19,789 |
First-time takers pass at 57–59%. Repeaters drop to 37–40%. That’s a 20-point gap. If you don’t pass on your first attempt, your odds get meaningfully worse — not because the exam changes, but because the habits that led to failing the first time tend to follow you into the retake.
Both exams are 130 questions — 100 general knowledge and 30 state-specific. You need 70% to pass.
Life and Health Insurance
The Life and Health Insurance exam is the most commonly pursued license in Texas — over 42,000 candidates sat for it in 2025 alone, more than double the number who took the P&C exam. The first-time pass rate is 57%, and repeaters pass at just 40%.
It covers life insurance policy types, health insurance concepts, Texas insurance laws, annuities, and ethical practices. Those 30 state-specific questions cover Texas laws, regulations, and consumer protections that are unique to Texas.
The conceptual nature of the material trips up candidates who try to memorize without actually understanding the logic behind the rules. Things like understanding how term life differs from whole life, or how coordination of benefits works in health coverage, require you to think through scenarios — not just recognize terms. If you want the full picture of what getting this license involves, our guide on how to get your Life and Health license in Texas walks through every step.
Property and Casualty Insurance
The Property and Casualty exam first-time pass rate is 59% — slightly higher than L&H. But repeaters drop to just 37%, the lowest repeater rate of the two. About 19,800 candidates took this exam in 2025.
Candidates have to get comfortable with topics like homeowners insurance in Texas, commercial property coverage, auto insurance, commercial general liability, and workers’ compensation.
What makes this exam particularly challenging is that it is not enough to recognize terms. You need to apply policy language to real-world scenarios and determine what is and is not covered. That kind of analytical thinking takes practice, not just reading. Our full guide on how to get your Property and Casualty license in Texas covers the requirements and what to expect on test day.
What Factors Actually Influence Whether You Pass?
Quality of Preparation
This is the big one. The 20-point gap between first-time and repeater pass rates tells you everything. A good course teaches you to think through exam questions, not just memorize answers.
There is a real difference between recognizing a term and being able to apply it under pressure.
Prior Industry Experience
Candidates who already work in insurance do tend to have higher pass rates. Familiarity with policy terminology and real-world scenarios gives you a head start.
But experience alone is not a substitute for studying. Plenty of experienced professionals have been surprised by how much the exam demands.
Use of Practice Exams
Practice tests help you identify which topics you actually understand versus which ones you only think you understand. They build the stamina needed for 130 questions.
The key is to review every question you get wrong and understand why the correct answer is correct. Check out our post on common mistakes on the L&H exam.
Texas-Specific Regulations
This is the section most candidates underestimate. 30 of the 130 questions cover Texas insurance laws you will not pick up from general knowledge alone.
Skip this material and you’re leaving nearly a quarter of the exam to chance.
Is the Texas Insurance Exam Worth the Effort?
The short answer is yes, and then some. Texas is one of the largest insurance markets in the country, and a valid license opens the door to a real career with solid earning potential. Our post on whether an insurance license is worth it in Texas gets into the numbers and the career paths in detail.
The pass rates can look discouraging at first glance, but they are also a map. They tell you exactly what the exam demands and why winging it does not work. Candidates who treat the licensing process seriously, who use practice exams and make sure they understand the Texas-specific material, pass at much higher rates than the overall averages suggest.
Ready to Stop Guessing and Start Preparing?
At 123AceTheTest, we are built by educators with real insurance experience, including a 20-year agent and instructors with 10-plus years in the classroom. We offer tri-modal training: live classroom, simultaneous Zoom, and on-demand review for both Property and Casualty and Life and Health.
Frequently Asked Questions
How many times can you retake the Texas insurance exam if you fail?
Texas does not cap the number of retake attempts. You must wait at least 24 hours before scheduling another attempt — but here is the detail nobody tells you: the day you fail does not count. If you fail on Wednesday, Pearson VUE treats that as an exam day. You cannot schedule a new exam until you have a clear day with no exams, which means Thursday is the earliest you can schedule, and Friday is the earliest you can actually sit for the exam again. Check the Pearson VUE Texas insurance exam page for the latest scheduling details.
Does Texas publish official pass rate data for the insurance licensing exams?
Yes. Pearson VUE publishes monthly pass rate reports on behalf of the Texas Department of Insurance. You can view them at the Pearson VUE Texas insurance pass rates page. The data is broken down by exam type, first-time takers vs. repeaters, and language (English and Spanish).
How long does the Texas insurance license application process take after passing the exam?
Once you pass the exam, you can submit your license application through Sircon. Processing time depends on the state — check the TDI agent licensing page for current processing timelines.
What score do you need to pass the Texas insurance exam?
You need a score of 70% or higher to pass both the Life and Health and the Property and Casualty exams in Texas.
Does your score on the Texas insurance exam affect your license in any way?
No. Passing is passing in Texas. Your actual score does not appear on your license, and it does not affect what you are authorized to do as a licensed agent. The only thing that matters is whether you cleared the 70% threshold. That said, reviewing your score report after a failed attempt is valuable because it shows you which content areas need more work before you retake.
How many questions are on the Texas insurance exam?
Both the Life and Health exam and the Property and Casualty exam are 130 questions — 100 general knowledge and 30 state-specific. You need to score 70% or higher to pass.