The Texas State Life and Health Insurance Exam is a state-mandated licensing test required for individuals who want to sell life, accident, and health insurance policies within the state. Administered by Pearson VUE on behalf of the Texas Department of Insurance (TDI), this exam ensures that candidates possess the foundational knowledge and regulatory understanding necessary to protect consumers. Passing this exam is the critical first step to earning your General Lines – Life, Accident & Health license, legally permitting you to advise clients, quote premiums, and issue policies in Texas.

Exam Format and Passing Score

Understanding the structure of the test is key to managing your time and maximizing your score. The combined Life and Health exam consists of both national general insurance concepts and Texas-specific laws.

• Total Questions: 150 multiple-choice questions (this includes a small mix of unscored "pretest" questions).
• Time Limit: 150 minutes (2.5 hours).
• Passing Score: 70% (Your score is calculated based on the entire exam as a whole, not divided between state and national sections).
• Delivery Method: Computer-based testing at standardized Pearson VUE test centers or via secure online proctoring.
• Results: Provided immediately upon completion of the exam.

Core Exam Topics / Categories

The exam covers a broad spectrum of insurance products, underwriting principles, and state regulations. To pass, you will need a solid grasp of the following primary categories:

• Life Insurance Basics: Types of policies (Term, Whole, Universal, Variable), policy riders, provisions, options, and exclusions.
• Health Insurance Basics: Medical expense plans, Disability Income, Accidental Death and Dismemberment (AD&D), and Medicare supplements.
• Annuities and Retirement: Fixed vs. variable annuities, qualified vs. non-qualified retirement plans, and taxation of benefits.
• Underwriting and Field Procedures: The application process, issuing policies, collecting premiums, and delivering contracts.
• Texas State Laws and Rules: Licensing requirements, continuing education, disciplinary actions, and unfair trade practices governed by the Texas Department of Insurance.
• HMOs and PPOs: Regulations and structures specific to Health Maintenance Organizations and Preferred Provider Organizations in Texas.

Career Opportunities

Earning your Texas Life and Health Insurance license unlocks high-earning potential and diverse career paths in a rapidly growing industry. Because insurance is practically recession-proof, licensed professionals enjoy strong job security and the flexibility to work independently or with established corporations.

With this certification, you can pursue specific job roles such as:

• Life and Health Insurance Agent/Broker: Work independently or for a brokerage to match individuals and families with coverage that fits their needs and budgets.
• Employee Benefits Specialist: Assist businesses and corporate HR departments in designing and managing group health, life, and retirement packages for their employees.
• Financial Planner / Advisor: Use life insurance products and annuities as foundational tools for estate planning, wealth transfer, and retirement strategies.
• Insurance Underwriter: Evaluate risks and determine coverage eligibility and premium rates for applicants.
• Agency Owner: Build your own insurance business, hire sub-agents, and create a recurring stream of residual commission income.

 

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