Do you want to become an Insurance Agent you may be thinking either to select L&H or P&C then this blog can be helpful for you to understand both courses.
Life and Health License
The Life and Health (L&H) license is deeply personal and relationship-driven. Agents focus on protecting people.
What You Sell with a Life and Health License
With a Life and Health License in Texas, you can sell:
Life insurance (term, whole, universal, indexed)
Individual and family health insurance
Medicare Advantage and Medicare Supplement plans
Disability income insurance
Long-term care insurance
Certain annuity products
Day-to-Day Work as a Life and Health Agent
Your day may include:
Client consultations (in person or via Zoom)
Medicare enrollment appointments
Policy reviews and renewals
Educational discussions around financial protection
The pace is generally slower, but each interaction is high-impact. Commissions can be substantial, especially in life insurance and Medicare sales, but success depends on trust, education, and long-term relationships.
Personality Fit for Life and Health
Life and Health is ideal if you:
Enjoy meaningful, in-depth conversations
Are patient, empathetic, and people-focused
Prefer flexibility and remote work
Want to build long-term client relationships
Property and Casualty License
Property and Casualty (P&C) is more action-oriented. It focuses on protecting physical assets and managing everyday risks.
What You Sell with a Property and Casualty License
A Texas P&C License allows you to sell:
Auto insurance
Homeowners, renters, and condo insurance
Commercial property insurance
General liability coverage
Workers’ compensation
Business owner policies (BOPs)
Day-to-Day Work as a P&C Agent
P&C agents handle:
Quotes and policy changes
Claims-related questions
Proof of insurance requests
Risk assessments for homes and businesses
Texas weather, traffic, and business growth keep P&C agents busy year-round. Compared to L&H, this side of life and health vs property and casualty is faster-paced and more reactive.
Life and Health vs Property and Casualty:
Client focus: People and planning vs assets and risk
Work pace: Slower, consultative vs fast, transactional
Income style: High commissions vs steady renewals
Work environment: Remote/flexible vs office-centered
Client relationships: Long-term advisory vs ongoing service-based
123 Ace The Test possesses 17 years of experience preparing students for Life & Health and Property & Casualty exams in Texas. Contact to our team for more information and we can provide you consultation to select the best course.
Frequently Asked Questions
What is the main difference between Life and Health vs Property and Casualty licenses?
The main difference between life and health vs property and casualty lies in what you insure. A Life and Health license focuses on protecting people through life insurance, health insurance, and Medicare plans. A Property and Casualty license focuses on protecting physical assets such as cars, homes, and businesses.
Can I hold both Life and Health and Property and Casualty licenses in Texas?
Yes. Many agents in Texas hold both licenses. Starting with one license allows you to build confidence and experience, and adding the second later increases income potential and allows you to offer complete insurance solutions to clients.
Which insurance license is easier to pass in Texas?
Difficulty depends on your background and learning style. Life and Health exams involve more concepts related to healthcare, ethics, and financial planning, while Property and Casualty exams focus on risk, policies, and regulations. With proper training, students can successfully pass either exam on the first attempt.
Which is the best institute to prepare for Life and Health or Property and Casualty licenses in Texas?
123 Ace The Test is one of the most trusted institute. We have helped hundreds of students pass their Life & Health and Property & Casualty exams on the first try. Our courses are designed specifically for Texas licensing requirements, and we offer in person classes, zoom and On demand classes as well.