United States
Hong KongThe syllabus, taught
Every examinable topic written out in the order it is examined, with each rule cited to the provision it comes from. Not a summary of a textbook - the syllabus itself, covered end to end.
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.
No account needed for the diagnostic. Four minutes.
Written for this exam
All 1,300 questions and all 13 topics were written against the Texas Life and Health syllabus. Nothing here is a general bank with this exam's name on it.
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 Texas Department of Insurance's own published blueprint, not our guess at it.
What the published results say
| Fiscal year | Pass rate |
|---|---|
| 2025 | 58% |
Source: Texas Department of Insurance, agent and adjuster examination demographic report for fiscal year 2025, checked 2026-09-06.
- Questions
- 130 multiple choice, 130 of them scored
- Time
- 150 minutes
- Scoring
- Scaled. The awarding body publishes no pass mark.
- Languages
- English and Spanish
- Fee
- USD 49
- Results
- Scored at the test center. A candidate who passes receives a score report used to apply through Sircon.
- Valid for
- A passing result must be used to apply for the licence within one year.
- Register
- Registration link Register on Pearson VUE, which administers the examination for the Texas Department of Insurance.
What you get
USD 149 for 12 months. Six parts, and every one of them built against this syllabus rather than adapted from another exam.
Questions to drill
Filtered to the topic you are reading, so practice reinforces the lesson instead of testing something you have not reached yet.
Full mock papers
130 questions each, 150 minutes, scored the way the exam scores it. Their 650 questions never appear in practice, so a mock score measures you rather than your memory of practising.
Worked review notes
Every question explains itself: why the right answer is right, why each wrong answer tempts people, and the source that settles it. Three are shown in full in the mock-paper previews below.
Soft copies to print
The study guide and every mock paper as a PDF, typeset for paper, so you can sit a mock with a pen the way you will sit the real one.
A plan built round your date
Tell us when you sit and the study plan, the readiness score, the weak-topic ordering and every reminder are worked back from it.
Soft copies, yours to print
6 PDFs, typeset for paper rather than exported from a screen. Open any of them to read the opening pages before you buy.
Every topic, and how heavily it is examined All 13 covered, with each topic's share of the 130 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
-
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
Ten-question diagnostic
Free, no account. Score and per-topic breakdown at the end.
Start the diagnostic
2
One full mock, free
130 questions, 150 minutes, scored the way the exam scores it.
Sit a free mock
3
Then the explanations
Paid. Which ones you missed, why, and the source that settles it.
Get the courseBefore you buy
Is this everything I need, or do I still need the official material?
The whole examinable syllabus is taught here across 13 topics, and every one of the 1,300 questions is written against it. We are independent of Texas Department of Insurance and this is not their publication - if they require you to hold an official study guide, hold it. What this replaces is the second and third thing you would otherwise buy: a question bank, and something to explain the answers.
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 figure and not Texas Department of Insurance's. 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, and without an account: a 10-question diagnostic that scores you by topic, one full 130-question mock paper, and the opening pages of every PDF. What you pay for is the explanations, the lessons and the other 4 papers.
What happens if I fail?
Your access runs 12 months, which covers a resit; Texas Department of Insurance charges USD 49 for one. 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 diagnostic is free and needs no account.