Texas Life and Health Insurance Practice Test
Practice for the Texas General Lines Life, Accident and Health exam with questions on Texas insurance law and the general-knowledge outline, then take a full mock in the Pearson VUE format: 145 questions in 150 minutes, scored on the 130 that count.
145 questions in 2 hours 30 minutes, scored on the 130 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drill- 105 original Texas-law questions, each checked against the statute or rule
- 12 outline sections, each scored separately in the mock
- 145 questions in the full mock, 2 hours 30 minutes, as on exam day
To persuade a client to surrender his whole life policy and buy a new one from her, an agent falsely tells him that his policy's cash value will disappear next year. Under the Texas Insurance Code, this is
Texas General Lines Life, Accident and Health exam format
- Exam
- General Lines – Life, Accident and Health (InsTX-LAH05; Spanish InsTX-LAH25), delivered by Pearson VUE for the Texas Department of Insurance
- Questions
- 145 multiple-choice questions: 100 scored general-knowledge questions plus 10 pretest, and 30 scored Texas-law questions plus 5 pretest. Pretest questions are mixed in and not marked
- Time limit
- 150 minutes
- Passing score
- A scaled score of 70 on a 0–100 scale, for the exam as a whole (not each part). The scaled score is not a percentage; our mock reports a pass at 70% of the scored questions
- Fee
- $49 per attempt, paid to Pearson VUE when you book
- Retakes
- If you fail, you can schedule a new attempt from the next day. There is no limit on attempts; each one costs the exam fee again
- After you pass
- Apply to TDI through Sircon or NIPR within 12 months of passing, with fingerprints through IdentoGO. The application fee is $50 per license type
- 2025 pass rate
- 57% of 26,273 first-time candidates (English exam), from the TDI pass-rate report
What’s on the Texas Life and Health exam
The Pearson VUE content outline, effective September 1, 2026. Our full mock draws its 130 scored questions at these counts and mixes in 15 unscored pretest questions, as on the real exam. Every section has a study guide and a free ten-question drill with a worked answer after every question.
| Section | What it covers | Questions | Drill |
|---|---|---|---|
| Life and health general knowledge | 100 + 10 pretest | ||
| I. Types of life policies and annuities | Whole, universal, variable and indexed life, term life, annuities, and joint and survivorship plans | 15 | 10-question drill |
| II. Life policy riders, provisions, options and exclusions | Riders, beneficiary designations, premium payment, nonforfeiture and dividend options, incontestability, settlement options and exclusions | 15 | 10-question drill |
| III. Life application, underwriting and policy delivery | Completing the application, warranties and representations, receipts, replacement, privacy rules, underwriting, policy delivery and contract law | 12 | 10-question drill |
| IV. Retirement plans, group life and taxation | Third-party ownership, life settlements, group life, qualified and nonqualified plans, needs analysis, Social Security and taxation of life insurance | 8 | 10-question drill |
| V. Types of health policies | Disability income, AD&D, medical expense plans (HMO, PPO, POS, HDHP and HSA), Medicare supplement, group coverage and COBRA, long-term care and limited plans | 16 | 10-question drill |
| VI. Health policy provisions, clauses and riders | The uniform mandatory and optional provisions, elimination and probationary periods, preexisting conditions, cost sharing, riders and renewability | 15 | 10-question drill |
| VII–VIII. Social insurance and other health concepts | Medicare, Medicaid and Social Security disability, kinds of disability, coordination of benefits, taxation of health insurance, managed care and subrogation | 11 | 10-question drill |
| IX. Health field underwriting | Completing the application, sources of insurability information and HIPAA, the initial premium and receipts, submitting the application, delivery and replacement | 8 | 10-question drill |
| Texas statutes and rules | 30 + 5 pretest | ||
| I. Texas law common to life and health insurance | The Commissioner and TDI, insurer definitions, agent licensing, continuing education, unfair practices, commission sharing and the life and health guaranty association | 14 | 10-question drill |
| II. Texas law for life insurance and annuities | Advertising and illustrations, the buyer’s guide, required life policy provisions, group and credit life, replacement and nonforfeiture | 6 | 10-question drill |
| III. Texas law for accident and health insurance | Newborn and dependent coverage, chemical dependency, Medicare supplement, HIV testing, long-term care, small employer plans and the Affordable Care Act | 7 | 10-question drill |
| IV. Texas law for HMOs | HMO definitions, the evidence of coverage, nonrenewal and cancellation, enrollment and out-of-network claims | 3 | 10-question drill |
What the Texas life and health exam tests
- The general part is 100 scored questions on life insurance (50) and accident and health insurance (50), the same outline the national practice uses.
- The Texas part is 30 scored questions: law common to life and health (14), life only (6), accident and health only (7) and HMOs (3).
- Texas questions turn on specific numbers and duties: license terms, continuing education hours, reporting to TDI, grace periods, newborn coverage and the replacement rules.
Take a full Texas Life and Health mock under the real clock
145 questions in 2 hours 30 minutes, scored on the 130 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drillHow to get your Texas license
- Book the General Lines – Life, Accident and Health exam with Pearson VUE and pay the $49 fee.
- Sit the 145-question exam in 150 minutes at a Pearson VUE test center. You get your result when you finish.
- Start the license application in TDI’s fingerprint portal, get fingerprinted at IdentoGO, and apply through Sircon or NIPR. The application fee is $50.
- Apply within 12 months of passing, or you will have to take the exam again.
Common questions
How many questions are on the Texas life and health insurance exam?
145: 100 scored general-knowledge questions plus 10 pretest questions, and 30 scored Texas-law questions plus 5 pretest questions. You have 150 minutes.
What score do you need to pass the Texas life and health exam?
A scaled score of 70, set by the Texas Department of Insurance. The score is for the whole exam, not each part, and it is not a percentage of questions answered correctly. Our mock reports a pass at 70% of the 130 scored questions (91).
What is the pass rate for the Texas life and health exam?
In 2025, 57% of 26,273 first-time candidates passed the English General Lines Life, Accident and Health exam, according to the TDI pass-rate report. Across all attempts the rate was 50%.
How much does the Texas life and health exam cost?
$49 per attempt, paid to Pearson VUE when you schedule. The TDI license application fee is another $50.
Can I retake the Texas insurance exam?
Yes. A candidate who fails can schedule a new exam starting the next day, with no limit on attempts. Each attempt costs the exam fee again.
What is the difference between the Texas General Lines and Life Agent exams?
The General Lines Life, Accident and Health license covers life insurance, annuities, accident and health insurance and HMOs, with a 145-question exam. The Life Agent license covers life insurance and annuities only, with a 90-question, 120-minute exam.
Are these real Texas exam questions?
No. Pearson VUE does not release exam questions. These are original practice questions written to the Texas content outline effective September 1, 2026, with each Texas answer checked against the Insurance Code or the Texas Administrative Code.
Ready for exam day?
145 questions in 2 hours 30 minutes, scored on the 130 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drillInsurance license practice exams
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Exam format, fees, passing scores and pass rates checked November 2026: Pearson VUE: Texas insurance exams · Texas Insurance Licensing Candidate Handbook · Texas Insurance Content Outlines (effective September 1, 2026) · TDI: General lines, life, accident, health and HMO · TDI exam pass rates, 2025 · Texas Insurance Code.
Original independent practice questions written to the published Pearson VUE content outline. Not affiliated with or endorsed by Pearson VUE, the Texas Department of Insurance or any state insurance department.