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Texas · Insurance ProducerTexas Life and Health Insurance Practice Exam 2026
The Texas General Lines – Life, Accident & Health exam (Pearson VUE codes InsTX-LAH05 in English and InsTX-LAH25 in Spanish) is the licensing exam you pass before the Texas Department of Insurance (TDI) can issue a general lines agent license for life, accident and health insurance. It has two parts: a general product-knowledge section and a state section on Texas insurance laws and rules, and you get one score for the exam as a whole.
This independent practice test from ExamCleared has 300 original questions covering both parts. It is not affiliated with TDI or Pearson VUE, and the questions are written by us, not taken from the exam. Every question comes with an explanation and a citation to the statute or official source it is based on, along with the date we last checked it. You can take a timed, full-length exam in the same format as the real one (145 questions, 150 minutes) or drill one topic at a time. The first 10 questions are free and you don't need an account. After that, you pay once, with no subscription: $24.99 for 30 days or $34.99 for 60 days, with a 7-day money-back guarantee.
- Questions
- 145 (130 scored: 100 general + 30 Texas; 15 unscored pretest)
- Time
- 150 minutes
- To pass
- 70 (scaled, 0–100; raw cut not published)
- Exam fee
- $49 exam fee + $50 license application fee
- Required course
- None listed in the official candidate handbook
Free Texas life and health insurance practice exam questions
Five sample questions from the bank — open each answer to see the explanation and the legal source. Take the free 10-question test to practice with a timer and a score.
1. Mia buys a life insurance policy on her own life and names a longtime friend as beneficiary. The friend has no financial interest in Mia's life. Is this allowed?
- No, because the beneficiary must be related to her by blood or marriage
- No, because every beneficiary must have an insurable interest in the insured
- Yes, a person has an unlimited insurable interest in her own life and may name anyone
- Yes, but only if the face amount is small and the insurer approves the friend
Show answer
Answer: C. Yes, a person has an unlimited insurable interest in her own life and may name anyone
When you insure your own life, insurable interest is met by you as the applicant. You may make the policy payable to anyone, even a beneficiary with no insurable interest.
Source: Cal. Ins. Code §10110.1(b) · verified 2026-11-07
2. A client compares Medigap Plan G from two different insurers in the same state. In most states, what is the only difference between these two policies?
- The premium charged
- The basic benefits covered
- The Medicare Part A deductible
- Whether the policy is guaranteed renewable
Show answer
Answer: A. The premium charged
Medigap plans are standardized and identified by letters in most states. All plans with the same letter offer the same basic benefits, so price is the only difference between companies.
Source: Choosing a Medigap Policy (CMS), Section 2 – Medigap policies are standardized · verified 2026-11-07
3. A surgeon with a waiver of premium rider has been totally disabled for 30 months. She can no longer operate but is reasonably suited by education and training to teach at a medical school. Using the minimum total disability definition in the IIPRC standards, which statement is correct?
- She remains totally disabled for life, because she can no longer perform surgery in any setting
- After 24 months, she is not totally disabled if she can do another job suited to her training
- Waiver of premium never covers disability that lasts more than 24 months
- Her disability is judged only by whether she can do any job at all, starting from the first day
Show answer
Answer: B. After 24 months, she is not totally disabled if she can do another job suited to her training
For the first 24 months, total disability means being unable to do the duties of one's own job. After 24 months, it means being unable to do one's own job or any other job one is reasonably suited for by education, training, or experience.
Source: IIPRC Additional Standards for Waiver of Premium Benefits for Total Disability and Other Qualifying Events, §3A(1)(a)(ii) · verified 2026-11-07
4. A construction worker insured under a disability policy becomes an office clerk, an occupation the insurer classifies as less hazardous, and sends proof of the change. What does the Change of Occupation provision require the insurer to do?
- Reduce the premium rate and refund the excess pro-rata unearned premium
- Increase the monthly benefit but leave the premium unchanged
- Cancel the policy and issue a new one at office rates
- Make no change until the policy is renewed
Show answer
Answer: A. Reduce the premium rate and refund the excess pro-rata unearned premium
When the insured moves to a less hazardous occupation, the insurer reduces the premium rate after receiving proof and returns the excess pro-rata unearned premium.
Source: NAIC Model 180 §3B(1) Change of Occupation · verified 2026-11-07
5. A 35-year-old compares a 20-pay whole life policy with an ordinary (continuous-premium) whole life policy with the same face amount from the same insurer. How does the annual premium for the 20-pay policy compare?
- Higher, because premiums are paid over a shorter period
- Lower, because the insurer collects fewer payments
- The same, because the face amounts are equal
- Lower, because coverage ends after 20 years
Show answer
Answer: A. Higher, because premiums are paid over a shorter period
Limited-pay whole life fits the full lifetime cost into a shorter payment period, such as 20 years or to age 65, so each premium is higher. Coverage still lasts for the insured's whole life.
Source: Ill. Admin. Code tit. 50, pt. 930, Exhibit B (NAIC Life Insurance Buyer's Guide) – Whole Life Insurance · verified 2026-11-07
What the Texas life and health insurance exam is and who takes it
You take this exam if you want a Texas General Lines – Life, Accident and Health agent license. The exam is given at Pearson VUE test centers on behalf of TDI, and you can take it in English (InsTX-LAH05) or Spanish (InsTX-LAH25). According to the candidate handbook, the general section covers basic insurance product knowledge and the state section covers insurance laws, rules, regulations, and practices that are unique to Texas.
Some applicants do not have to take the exam:
- Holders of the Chartered Life Underwriter (CLU) designation, under TIC §4002.003. They apply with documentation of the designation.
- Nonresidents who hold a license in good standing with the same or similar authority in their home state, if that state licenses Texas residents on a reciprocal basis.
- New Texas residents who held the same or similar license in their previous home state within the 90 days before they apply in Texas.
TX life and health insurance exam format
- Questions: 145 multiple-choice questions. 100 scored general-knowledge questions plus 10 pretest questions, and 30 scored Texas state-specific questions plus 5 pretest questions (130 scored in total).
- Pretest questions: they do not count toward your score, they are mixed in with the scored questions, and they are not labeled.
- Time: 150 minutes. The exam ends automatically when time runs out.
- Passing score: a scaled score of 70 on a 0–100 scale. The scaled score is not the number or percentage of questions you got right, so Pearson VUE does not publish how many correct answers you need. The two sections are scored together, not separately.
- Closed book: personal items, including books, notes, pens and pencils, are not allowed in the testing room. You may bring a calculator only if it is silent, hand-held, nonprinting and has no alphabetic keypad. Financial calculators are not allowed, and the test center does not provide calculators.
- Results: you leave the test center with your official score.
Details are in the Pearson VUE Texas Insurance Candidate Handbook and the Texas content outlines effective September 1, 2026.
Exam fees and how to register
- Exam fee: $49 for InsTX-LAH05 or InsTX-LAH25. You pay when you book, by credit card, debit card or voucher. The test center does not accept payment.
- License application fee: $50 per license type, paid to TDI when you apply.
- Booking: walk-ins are not accepted. Book online through the Pearson VUE Texas insurance page (first-time users create an account) or by phone at (888) 754-7667, at least 24 hours before the exam date.
- Changing or canceling: call at least 48 hours before the exam. If you give less notice, you lose the fee.
- Exam day: arrive 30 minutes early with two current forms of signature ID. The primary ID must be government-issued with a photo, and the names must exactly match your registration.
Prerequisites
The handbook says TDI issues a license to people who are at least 18, have passed the required exam, submit a completed application with the fee and a fingerprint receipt within 12 months of passing, and have not committed an act for which a license can be denied under TIC §4005.101 and 28 TAC §1.502. To book the exam, you also need a valid Social Security number.
The official handbook does not list a mandatory pre-licensing course for this license. One exception: if a sponsoring company or agency requests a 180-day temporary license for you, you must complete 40 hours of training from that sponsor within 30 days of applying, and pass the exam within 180 days. If you take a sponsor's training or any other course, use this practice test alongside it, not instead of it.
What topics are tested
These are the official scored question counts from the content outlines effective September 1, 2026.
Life and Health – General Knowledge (100 scored)
- Types of life policies and annuities – 15
- Policy riders, provisions, options and exclusions – 15
- Completing the application, underwriting and delivering the policy – 12
- Retirement and other insurance concepts (group life, needs analysis, taxation, MECs) – 8
- Types of health policies (disability income, medical expense, HMOs/PPOs, HSAs, Medicare supplement, group, LTC) – 16
- Health policy provisions, clauses and riders – 15
- Social insurance (Medicare, Medicaid, Social Security) – 6
- Other insurance concepts (disability definitions, coordination of benefits, managed care, subrogation) – 5
- Field underwriting procedures – 8
Texas State-Specific (30 scored)
- Texas statutes and rules common to life and health (Commissioner, licensing, CE, marketing practices, Guaranty Association) – 14
- Life insurance only (advertising, policy provisions, group and credit life, replacement, nonforfeiture) – 6
- Accident and health only (newborn and dependent coverage, Medicare supplement, LTC, small group, ACA) – 7
- Health maintenance organizations (HMOs) – 3
Study tips for Texas life and health exam questions
- Weight your study time by the outline. Health policy types, life policy types, and provisions together account for 61 of the 100 general questions. Licensing rules and agent conduct make up nearly half of the 30 Texas questions.
- Read the statutes the outline cites. Each Texas topic in the outline refers to a section of the Texas Insurance Code (TIC) or 28 Texas Administrative Code, such as TIC Chapter 1101 for life policy provisions, Chapter 1114 for replacement, and Chapter 843 for HMOs. You can read the text for free at statutes.capitol.texas.gov. Some outline references appear to contain typos, so look a provision up by its subject if the cited number doesn't match.
- Keep state rules and general concepts separate. The general section tests concepts that apply in every state. The state section tests Texas-specific rules, such as licensing deadlines and required policy provisions. Don't assume a day count you learned elsewhere is the Texas rule.
- Watch for similar terms. Common pairs to confuse are warranties vs. representations, absolute vs. collateral assignment, guaranteed renewable vs. noncancelable, and own-occupation vs. any-occupation disability.
- Practice at full length. 145 questions in 150 minutes gives you about one minute per question. You can't tell which questions are unscored pretest items, so answer every one.
After you pass: getting your Texas license
- Schedule digital fingerprints with IdentoGO by IDEMIA at (888) 467-2080 or identogo.com. You need an appointment, and walk-ins are not accepted. Keep the receipt.
- Apply online at sircon.com/texas with the $50 application fee and your fingerprint receipt.
- Apply within 12 months of passing. If you miss that deadline, you have to retake the exam.
- Once you are licensed, keep up with continuing education. The handbook says most licenses require 24 hours of CE every two years.
Pricing
Practice free with 10 questions. Full access is a one-time payment — no subscription, no auto-renewal, 7-day money-back guarantee.
Full access unlocks all 300 questions with explanations and sources, practice by topic, a timed full-length practice exam and your results by topic. No account is needed: after checkout you get a personal access code — save it to use your access on your other devices. Your access period starts immediately after purchase.
Frequently asked questions
How many questions are on the Texas life and health insurance exam?
There are 145 questions in total. 130 are scored (100 general knowledge and 30 Texas state-specific), and 15 are unscored pretest questions that are not identified.
What score do I need to pass the TX life and health insurance exam?
You need a scaled score of 70 on a 0–100 scale. It is not a percentage, and the number of correct answers needed is not published. The two sections are scored together as one exam.
How long is the exam?
150 minutes.
How much does the exam cost?
The exam fee is $49, paid to Pearson VUE when you book. The TDI license application fee is a separate $50 per license type.
Is a pre-licensing course required in Texas?
The official candidate handbook does not list one. If you hold a sponsor-requested 180-day temporary license, you must complete 40 hours of sponsor-provided training within 30 days of applying.
What happens if I fail?
You can schedule a new exam within one day, and there is no limit on the number of attempts. Each attempt requires a new exam fee.
Can I bring notes or a calculator?
No books or notes are allowed. You may bring a calculator only if it is silent, hand-held, nonprinting and has no alphabetic keypad. Financial calculators are not permitted.
Are these the actual exam questions?
No. Our questions are original practice questions based on the official content outline and the cited statutes. Real exam content is copyrighted by Pearson VUE and is not released.
Is there a free Texas life and health insurance practice exam?
Yes. The first 10 questions are free, with no account or email needed. Full access to all 300 questions, practice by topic and the timed full-length exam starts at $24.99 as a one-time payment.
Is the Texas life and health insurance exam hard?
It depends on your preparation. To pass you need 70 (scaled, 0–100; raw cut not published). The most reliable way to check is a timed full-length practice exam: ours has 130 questions and shows your percentage against a practice target, and your results by topic show which areas still need work.
Related practice tests
- Texas Property & Casualty practice test
- Florida 2-15 Life & Health practice test
- California Life & Accident/Health practice test
- New York Life, Accident & Health practice test
Sources
- https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124400.pdf — Exam codes, 150 minutes, $49 fee
- https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124401.pdf — General knowledge section: 100 scored + 10 pretest
ExamCleared is independent and not affiliated with Texas Department of Insurance (TDI) / Pearson VUE. Our questions are original practice questions written from public law and official materials — not actual exam questions. Confirm current requirements with the official agency before you register.