Study guide
The complete syllabus, taught chapter by chapter.
Single-user licence. You may print this file and write on it. You may not redistribute, resell or post it. © Sitonce 2026.
Study guide, 2026 edition.
Copyright © 2026 Sitonce. All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, without the prior written permission of the publisher, except as permitted by the single-user licence above.
Preface
The complete syllabus for the General Lines - Life, Accident and Health Agent (Texas). Read all 13 chapters and you have been taught every one of the 64 subtopics the examiner tests.
The next chapter, The exam at a glance, is what makes the rest of this book useful. It says how many questions each topic carries, and the study plan on the page after converts those weights into hours. Two topics carry 31 of 130 marks between them; the lightest carries 3. Time spent should follow that, not the order the chapters happen to be printed in.
Once you have read a chapter, drill on it. 650 practice questions live on the Sitonce website (sitonce.com). They adapt to what you keep getting wrong, keep a notebook of your own mistakes, and explain each miss against the option you actually chose. That adaptation is where the website earns its place; a paper file cannot do it.
When you have worked through the chapters and the practice questions, sit the five mock papers that ship alongside this book. Each carries its answer key at the back of the same file. Sit them the way you will sit the real one - a mock done in pieces over three evenings measures your notes, not your recall.
The exam at a glance
Everything about the exam itself: what it is, how it runs, what it costs, and how it is scored. Read this before you plan your revision.
| Authority | Texas Department of Insurance |
|---|---|
| Delivered by | Pearson VUE (Pearson Professional Assessments) |
| Format | - |
| Language | English and Spanish |
| Questions | 130 |
| Time | 150 minutes |
| Sittings | - |
| Fee | USD 49 (retake USD 49) |
| Results | Scored at the test center. A candidate who passes receives a score report used to apply through Sircon. |
| Validity | A passing result must be used to apply for the licence within one year. |
| Eligibility | None before the examination.
|
The board publishes no pass mark for this paper.
The paper is drawn to fixed weights per topic. This is the arithmetic behind the study plan on the next page:
| Ch. | Topic | Marks | Share |
|---|---|---|---|
| 1 | Types of life policies | 15 | 12% |
| 2 | Life policy riders, provisions, options and exclusions | 15 | 12% |
| 3 | Application, underwriting and delivery | 12 | 9% |
| 4 | Retirement, ownership and tax treatment | 8 | 6% |
| 5 | Accident and health products | 16 | 12% |
| 6 | Accident and health policy provisions | 15 | 12% |
| 7 | Medicare, Medicaid and Social Security | 6 | 5% |
| 8 | Disability categories, dependents and who pays | 5 | 4% |
| 9 | Field underwriting - what the producer actually does | 8 | 6% |
| 10 | Texas law common to life and health | 14 | 11% |
| 11 | Texas law for life insurance | 6 | 5% |
| 12 | Texas law for accident and health insurance | 7 | 5% |
| 13 | Texas law for health maintenance organizations | 3 | 2% |
| Total | 130 | 100% |
Study plan
The commonest wrong strategy is to spend equal time on every chapter. The paper is not weighted equally; the plan should not be either. The share column below is what matters; the hours column applies a 40-hour reference total for scale.
| Ch. | Chapter | Weight | of 40 h |
|---|---|---|---|
| 1 | Types of life policies | 12% | 5 h |
| 2 | Life policy riders, provisions, options and exclusions | 12% | 5 h |
| 3 | Application, underwriting and delivery | 9% | 4 h |
| 4 | Retirement, ownership and tax treatment | 6% | 2 h |
| 5 | Accident and health products | 12% | 5 h |
| 6 | Accident and health policy provisions | 12% | 5 h |
| 7 | Medicare, Medicaid and Social Security | 5% | 2 h |
| 8 | Disability categories, dependents and who pays | 4% | 2 h |
| 9 | Field underwriting - what the producer actually does | 6% | 2 h |
| 10 | Texas law common to life and health | 11% | 4 h |
| 11 | Texas law for life insurance | 5% | 2 h |
| 12 | Texas law for accident and health insurance | 5% | 2 h |
| 13 | Texas law for health maintenance organizations | 2% | 1 h |
| Total | 100% | 40 h |
Whatever total time you decide on for this paper, allocate this share of it to each chapter. Pick the total from your own baseline: how many marks you dropped the first time you attempted a mock, and how many hours a week you can give it.
Chapter 1
The life product catalogue: term, the whole life family, the interest-sensitive and variable products, annuities, and the combination plans built out of two of those at once. Fifteen questions a paper, tied with policy provisions for the largest area on the exam.
By the end of this chapter you will be able to explain:
A life policy is defined by three answers: how long the coverage lasts, whether it builds cash value, and who carries the investment risk. Learn a product by filling in those three and you will not confuse it with its neighbor.
Term answers "a stated number of years, no cash value, no investment risk to anyone." Whole life answers "for life, guaranteed cash value, risk on the insurer." Universal life keeps the insurer on the risk but makes the premium flexible. Variable products move the investment risk onto the owner.
Nearly every wrong answer in this area is a product placed on the wrong axis. Candidates say variable life when they mean universal life because both sound modern, when the actual difference is which party loses money if the investments perform badly.
Texas Life and Health: the whole syllabus taught, the questions that test it, 5 timed mocks, and all 6 PDFs to print.