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Clear lessons follow the published blueprint and keep the source beside the rule.
Texas Department of Insurance
Texas Life and Health Full Exam Prep
1,300questions in the bank
5timed mock exams
13 of 13syllabus topics covered
Required to sell life, accident, health and HMO coverage in Texas. It is the entry licence for the industry and the largest insurance licensing examination the state runs.
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Built around the published syllabus
Every lesson and question maps to the Texas Life and Health syllabus, so your study time follows the topics the examiner says can be tested.
Every answer names its source
Each explanation cites the provision it rests on, so you can go and read the rule rather than take our word for it.
Weighted like the real paper
The number of questions per topic follows the published exam blueprint, not our guess at it.
Exam format
The practical details to plan your sitting and timed practice.
- Questions
- 145 total · 130 scored i15 questions are unscored pretest items.
- Time
- 150 minutes
- Scoring
- Pass or fail iThe awarding body publishes no raw pass mark.
- Languages
- English and Spanish
The study flow
See what studying with Sitonce looks like
Learn the syllabus, practice each topic, sit a realistic paper and turn every mistake into the next thing to study.
Practice with explanations
Topic questions show why the answer works and why the alternatives fail.
Rehearse the real paper
Full timed papers use a separate question pool and the published format.
Turn mistakes into a plan
Weak topics, flagged questions and worked answers become a focused review list.
What you get
USD 149 for 12 months. Everything needed to learn, practice, simulate the paper and review weak areas.
The syllabus, taught
Every examinable topic, with sources beside the rules that matter.
Questions to drill
Topic practice that follows each lesson and exposes weak areas.
Full mock papers
130 questions in 150 minutes, using a separate question pool.
Worked review notes
The answer, the reasoning, why the alternatives fail, and the source.
Printable documents
The study guide and every mock paper, ready for paper.
A plan built round your date
Your study order and readiness update around the date you plan to sit.
Printable study kit
Keep the full course on paper
6 documents built for printing, annotation and timed practice away from the screen.
Every topic, and how heavily it is examined All 13 covered, with each topic's share of the 145 questions on the real paper
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1
15 q
I. Types of policies (life)
Traditional whole life products · Interest, market-sensitive and adjustable life products · Term life · Annuities · Combination plans and variations
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2
15 q
II. Policy riders, provisions, options and exclusions (life)
Policy riders · Policy provisions and options · Policy exclusions
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3
12 q
III. Completing the application, underwriting and delivering the policy
Completing the application · Underwriting · Delivering the policy · Contract law
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4
8 q
IV. Retirement and other insurance concepts
Third-party ownership and life settlements · Group life insurance · Retirement plans · Needs analysis and suitability · Social Security benefits · Tax treatment of premiums, proceeds and dividends
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5
16 q
V. Types of policies (accident and health)
Disability income · Accidental death and dismemberment · Medical expense insurance · Medicare supplement policies · Group insurance · Long term care · Other policies
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6
15 q
VI. Policy provisions, clauses and riders (accident and health)
Mandatory and optional provisions · Other provisions and clauses · Riders · Rights of renewability
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7
6 q
VII. Social insurance
Medicare Parts A, B, C and D · Medicaid · Social Security benefits
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8
5 q
VIII. Other insurance concepts
Disability categories - total, partial, recurrent and residual · Dependent children benefits and beneficiaries · Coordination of benefits and nonduplication · Occupational versus non-occupational, workers compensation and subrogation · Tax treatment of premiums and proceeds
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9
8 q
IX. Field underwriting procedures
Completing and submitting the application · Sources of insurability and privacy - MIB, FCRA, HIPAA · Initial premium, receipts and when coverage begins · Policy delivery and explaining the contract · Replacement · Contract law in the field
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10
14 q
TX-I. Texas statutes and rules common to life and health insurance
Commissioner of Insurance - powers, examination, investigation, penalties, cease and desist · Insurance definitions - certificate of authority, transacting insurance, insurer types · Licensing requirements - types, appointment, continuing education, records, denial and revocation · Marketing practices - unfair and prohibited trade practices · Agent duties and commission sharing · Texas Life and Health Insurance Guaranty Association
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11
6 q
TX-II. Texas statutes and rules pertinent to life insurance only
Marketing, solicitation, advertising and illustrations · Individual life and annuity policy provisions · Group life · Credit life · Replacement · Nonforfeiture law
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12
7 q
TX-III. Texas statutes and rules pertinent to accident and health insurance only
Required group and individual policy provisions · Medicare supplement · AIDS testing requirements · Long term care · Small group health insurance · Affordable Care Act
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13
3 q
TX-IV. Texas statutes and rules pertinent to health maintenance organisations
Definitions and evidence of coverage · Nonrenewal, cancellation and enrolment · Out of network claims
Try it before you decide
1
Try the first topic
Read up to five subtopics from the real course and answer the questions that follow them. Free account required.
Open the free lesson
2
One full mock, free
130 questions, 150 minutes, with a raw practice score and worked explanations.
Sit a free mock
3
Continue through the whole exam
Unlock every lesson, practice question, worked explanation, mock paper and printable document.
Before you buy
Is this everything I need, or do I still need the official material?
Yes. The course is designed to take you from the published syllabus through lessons, practice, worked explanations, timed mock papers and final review without needing another study product. It covers all 13 topics and includes 1,300 questions. Sitonce is independent of the bodies that administer and accredit this exam, so you should still use their official websites for registration rules, appointment details and official updates.
Where do the answers come from?
Every explanation names the provision it rests on and quotes it where quoting is allowed, so you can go and read the rule. Where we have not been able to put the underlying text in front of you, the page says so rather than implying a source it does not have.
How long will I need?
Our estimate for this paper is about 56 hours - 1 hour a day for 8 weeks. That is our estimate, not an official figure. Tell us your exam date when you start and the plan, the reminders and the readiness score are all worked back from it.
Can I see it before I pay?
Yes. With a free account, you can read five subtopics from the first lesson, preview the study guide and try one complete 130-question mock paper. The full course adds every lesson, the complete practice bank, worked explanations, 4 more mock papers and the printable study kit.
What happens if I fail?
Your access runs 12 months, which covers a resit; another sitting may cost USD 49. The final-review screen orders what you got wrong by what each mistake costs on the paper, which is where a second attempt should start.
Can I get a refund?
Full refund within 7 days if no more than 20% of paid lessons and practice are used, no paid study guide is downloaded, and no more than one paid mock is started.
Texas Life and Health · USD 149 for 12 months
The first lesson is free with an account.