Texas Life Insurance License Practice Test
Practice for the Texas Life Agent exam, the license for life insurance and annuities only, then take a full mock in the Pearson VUE format: 90 questions in 120 minutes, scored on the 80 that count.
90 questions in 2 hours, scored on the 80 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drill- 74 original Texas-law questions, each checked against the statute or rule
- 6 outline sections, each scored separately in the mock
- 90 questions in the full mock, 2 hours, as on exam day
Ana holds a temporary license. She sells one life policy to her brother and another to the company that employed her until four months ago. Which commissions may she receive?
Texas Life Agent exam format
- Exam
- Life Agent (InsTX-Life01; Spanish InsTX-Life21), delivered by Pearson VUE for the Texas Department of Insurance
- Questions
- 90 multiple-choice questions: 50 scored life general-knowledge questions plus 5 pretest, and 30 scored Texas-law questions plus 5 pretest
- Time limit
- 120 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
- $39 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
- 47% of 20,772 first-time candidates (English exam), from the TDI pass-rate report
What’s on the Texas Life Agent exam
The Pearson VUE content outline, effective September 1, 2026. Our full mock draws its 80 scored questions at these counts and mixes in 10 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 general knowledge | 50 + 5 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 |
| 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 | 20 | 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 | 10 | 10-question drill |
What the Texas Life Agent exam tests
- The general part is 50 scored questions on life insurance only: types of policies (15), riders and provisions (15), application and underwriting (12), and retirement and taxes (8).
- The Texas part is 30 scored questions: Texas law common to life and health insurance (20) and Texas law for life insurance (10).
- The Life Agent exam has the lowest first-time pass rate of the major Texas exams, so the Texas law questions deserve as much time as the products.
Take a full Texas Life Agent mock under the real clock
90 questions in 2 hours, scored on the 80 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 Life Agent exam with Pearson VUE and pay the $39 fee.
- Sit the 90-question exam in 120 minutes at a Pearson VUE test center.
- Start the license application in TDI’s fingerprint portal, get fingerprinted at IdentoGO, and apply through Sircon or NIPR.
- 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 Agent exam?
90: 50 scored life general-knowledge questions plus 5 pretest questions, and 30 scored Texas-law questions plus 5 pretest questions. You have 120 minutes.
What is the pass rate for the Texas life insurance exam?
In 2025, 47% of 20,772 first-time candidates passed the English Life Agent exam, according to the TDI pass-rate report.
What score do you need to pass?
A scaled score of 70 for the whole exam. Our mock reports a pass at 70% of the 80 scored questions (56).
Should I take the Life Agent or the General Lines exam?
The Life Agent license lets you sell life insurance and annuities. The General Lines Life, Accident and Health license adds accident and health insurance and HMO plans; its exam is 145 questions in 150 minutes.
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.
Ready for exam day?
90 questions in 2 hours, scored on the 80 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 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.