Understanding Texas Insurance Exam Pass Rates
The Texas Department of Insurance oversees licensing examinations. Industry professionals and exam preparation companies estimate that pass rates for Texas insurance exams between 40% to 60%.
These rates can vary based on several factors, including the type of license (P&C / L&H), the candidate’s preparation level, and their professional background.
Pass Rates by License Type
Life and Health Insurance
The Life and Health insurance exam is one of the most commonly pursued licenses in Texas. Passing rate for Life and Health Insurance Exam are between 50-55% for first-time test takers. This exam covers topics such as life insurance policies, health insurance concepts, Texas insurance laws, and ethical practices.
Property and Casualty Insurance
Property and Casualty exams pass rates are between 45-50% for first attempts. This exam is considered more challenging due to the technical nature of property insurance, liability concepts, and the complex scenarios candidates must analyze.
Topics include homeowners insurance, commercial property coverage, auto insurance, general liability, and workers’ compensation—all requiring a solid grasp of policy language and coverage details.
Factors That Influence Pass Rates
Quality of Preparation
The single biggest factor affecting whether candidates pass is how well they prepare. Those who invest in quality study materials, take practice exams, and dedicate sufficient time to studying consistently outperform those who attempt to cram or rely solely on work experience.
Prior Industry Experience
Candidates who already work in insurance or related fields tend to have higher pass rates. Familiarity with insurance terminology, policy structures, and customer interactions provides a foundation that makes exam concepts easier to grasp.
Study Time Investment
Most successful candidates report studying for 30-50 hours spread over 4-6 weeks. Those who dedicate less time or study inconsistently are more likely to join the ranks of those who need to retake the exam.
Use of Practice Exams
Practice tests are invaluable for success. They help candidates identify weak areas, become familiar with question formats, and build confidence. Those who complete multiple full-length practice exams under timed conditions typically perform better on the actual test.
Understanding Texas-Specific Regulations
A significant portion of each exam covers Texas insurance laws and regulations. Candidates who underestimate this section or focus solely on general insurance concepts often struggle, as state-specific questions can make up 25-30% of the exam.
123AceTheTest is built by educators with insurance experience including a 20-year agent and 10+ year instructors. We offer tri-modal training: live classroom, simultaneous Zoom, and on-demand review for Property&Casualty and Life&Health. Contact to our team now and pass the insurance exam in your first attempt.