The Texas Life and Health Insurance Exam is a state-mandated licensing test required for individuals who want to sell life, accident, and health insurance products within the state of Texas. Administered by Pearson VUE on behalf of the Texas Department of Insurance (TDI), this assessment ensures that prospective agents possess the necessary knowledge to advise clients ethically and responsibly. Passing this exam is a legal prerequisite for obtaining a General Lines – Life, Accident, Health, and HMO license, which allows you to distribute insurance policies and build a career in the state's financial services sector.

Exam Format and Passing Score

Knowing what to expect on test day is critical for effective preparation. The General Lines combined exam follows this standardized structure:

• Number of Questions: 150 multiple-choice questions (combining both national insurance concepts and Texas-specific state laws).
• Time Limit: 2.5 hours (150 minutes) to complete the entire assessment.
• Passing Score: 70% (meaning you must answer at least 105 questions correctly to pass).

Core Exam Topics / Categories

The exam does not just test memorization; it evaluates your ability to apply insurance principles to real-world scenarios. The content is divided into four main domains:

• General Insurance Concepts: Fundamentals of risk management, types of hazards, insurable interest, and the legal elements of an insurance contract.
• Life Insurance Products: Characteristics of term, whole, universal, and variable life policies, alongside policy provisions, beneficiaries, and annuities.
• Health Insurance Products: Medical expense plans, managed care networks (HMOs, PPOs), disability income insurance, and federal programs like Medicare and Medicaid.
• Texas State Law and Regulations: The Texas Insurance Code, producer licensing requirements, ethical conduct, unfair trade practices, free-look periods, and claims acknowledgment deadlines.

Career Opportunities

Earning your Texas Life and Health Insurance license unlocks significant earning potential in a highly resilient industry. The certification verifies your expertise, allowing you to guide individuals, families, and businesses through complex healthcare and financial planning decisions.

Professionals holding this license often pursue the following job roles:

• Independent Insurance Broker: Partner with multiple insurance carriers to offer clients customized coverage options tailored to their specific needs.
• Captive Insurance Agent: Represent a single major insurance company, building a localized client base with dedicated corporate support.
• Financial Advisor: Integrate life insurance and annuities into comprehensive wealth management and retirement strategies.
• Employee Benefits Consultant: Assist corporations and small businesses in designing competitive health and wellness packages for their workforce.

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