How to Get Your Life and Health License in Texas (Without Losing Your Mind)

If you’re thinking about getting your Life and Health Insurance License in Texas, you’re in the right place. Whether you’re dreaming of a new career helping people protect what matters or just want to boost your income potential, the process isn’t as complicated as it looks — if you know where to start.

At 123 Ace The Test, we’ve helped thousands of Texans in the Fort Worth area (and across the state) pass their Life and Health Insurance exam with confidence. In this guide, we’ll break down everything you need to know — step by step — so you can go from “Where do I even start?” to “I’m officially licensed!”

What Is a Life and Health License?

Let’s start with the basics.

A Life and Health License allows you to legally sell life insurance and health insurance products in the state of Texas. That includes things like:

Term life insurance
Whole life and universal life insurance
Health insurance plans
Disability income insurance
Annuities and supplemental policies

In short: it’s your ticket to working in one of the most stable and rewarding industries out there — and it’s in high demand across Texas.

Why Get a Life and Health License?

There are plenty of reasons people choose this path. Some want a fresh career with flexibility, while others are already in the financial or customer service world and want to expand their expertise.

Here are a few top perks of getting licensed:

High earning potential: Many agents work on commission, which means your income can grow as fast as your ambition.
Job flexibility: You can work for an agency, open your own office, or even work remotely.
Helping others: You’re not just selling policies — you’re helping families prepare for the future and protect their health.
Stability: Insurance is one of the most recession-proof industries out there.

Step 1: Complete a Texas-Approved Life and Health Pre-Licensing Course

Before you can take the state exam, Texas requires you to complete a pre-licensing course from an approved provider (like us!).

Here’s what that looks like:

Course length: 40 hours (as required by the Texas Department of Insurance)
Format options:
- On-site classes in Fort Worth for in-person learners
- Live Zoom sessions if you prefer the classroom feel from home
- On-demand courses if you want to study at your own pace

At 123 Ace The Test, our courses are built specifically to make sure you pass your exam the first time. We cover everything you’ll see on the test — and we break it down in plain English.

Pro tip: Texas doesn’t require classroom attendance, but you do need to complete the full 40 hours and pass the course exam to get your completion certificate.

Step 2: Pass the Texas Life and Health Insurance Exam

Once you finish your pre-licensing course, the next big step is the state licensing exam, administered by Pearson VUE.

Here’s what to expect:

Format: Computer-based multiple-choice test
Questions: Around 150 total (split between Life and Health topics)
Passing score: 70% or higher
Testing options: You can take it at a testing center or online with remote proctoring

Don’t panic — with the right prep, you can absolutely pass this exam. Our students say our instructors and study materials make the concepts click fast, even if you haven’t touched insurance before.

Step 3: Submit Your Fingerprints and Background Check

Before you can apply for your license, Texas requires you to get fingerprinted through IdentoGO (approved by the Texas Department of Insurance).

Why? It’s part of a standard background check to verify your identity and eligibility.

You’ll schedule your fingerprinting appointment online, bring a valid photo ID, and pay a small processing fee. Once your fingerprints are submitted, the results are sent automatically to the Texas Department of Insurance.

Step 4: Apply for Your Life and Health License

Now it’s time to make it official!

You’ll apply through the National Insurance Producer Registry (NIPR) website or directly through the Texas Department of Insurance (TDI) portal.

You’ll need to:

Upload your course completion certificate
Pay the state licensing fee
Submit your personal details

Once your background check clears and everything is approved, you’ll get your official Texas Life and Health License.

Step 5: Choose Where (and How) You Want to Work

This is the fun part — you get to decide how to use your new license!

Some people jump straight into working with an insurance agency, while others go independent. Here are a few paths you might explore:

Captive agent: Work for a single insurance company and sell their products.
Independent agent: Work with multiple companies and offer clients more choices.
Broker or advisor: Specialize in helping individuals or businesses find the right coverage.

With Texas’s growing population and economy, there’s no shortage of opportunity in this field.

How Long Does It Take to Get a Life and Health License in Texas?

On average, you can complete the entire process in 2 to 4 weeks, depending on your schedule and how quickly you move through the steps.

Here’s a quick timeline:

Pre-licensing course: 1–2 weeks (depending on your pace)
Schedule and pass your exam: Within a few days after your course
Fingerprinting and background check: 3–5 business days
License approval: Usually within 1–2 weeks

So yes — you could be licensed and ready to start your new career in under a month!

Why Students Choose 123 Ace The Test

If you’re serious about passing your Life and Health License exam, your choice of school matters.

At 123 Ace The Test, we’ve built a reputation in Texas for making the process simple, fun, and effective. Here’s what sets us apart:

✅ Three convenient formats: In-person, live Zoom, or on-demand
✅ Top-rated instructors who actually make the material make sense
✅ Test prep materials designed to help you ace the exam the first time
✅ Local expertise — we know exactly what the Texas Department of Insurance expects

Whether you’re just starting out or switching careers, we’ll walk with you every step of the way.

What’s Next?

If you’re ready to get started, this is your sign.

👉 Enroll in our Texas Life & Health Pre-Licensing Course today!
👉 Call us

Your new career is waiting — and it all starts with your Life and Health License.