The Texas life and health insurance license, start to finish

One exam of 130 questions, no pre-licensing course required, and a first-time pass rate of 57.7% that most study sites do not mention.

Overview

Questions: 130 multiple choice
Time: 150 minutes - 1.15 minutes a question
Format: One sitting at a Pearson VUE test center. Multiple choice. The general and Texas portions are not passed separately.
Languages: English and Spanish
Fee: USD 49
Sittings: On demand. Book any open Pearson VUE appointment.
Syllabus: TEXAS Insurance Supplement - Examination Content Outlines, effective 1 September 2026 (Pearson VUE publication #124401), in force from 1 September 2026
Topics: 13

Topic	Syllabus headings	Questions on the paper
1. Types of policies (life)	0	15
2. Policy riders, provisions, options and exclusions (life)	0	15
3. Completing the application, underwriting and delivering the policy	0	12
4. Retirement and other insurance concepts	0	8
5. Types of policies (accident and health)	0	16
6. Policy provisions, clauses and riders (accident and health)	0	15
7. Social insurance	0	6
8. Other insurance concepts	0	5
9. Field underwriting procedures	0	8
10. Texas statutes and rules common to life and health insurance	0	14
11. Texas statutes and rules pertinent to life insurance only	0	6
12. Texas statutes and rules pertinent to accident and health insurance only	0	7
13. Texas statutes and rules pertinent to health maintenance organizations	0	3

One sitting, 130 questions, 150 minutes - and no published pass mark.

57.7% pass first time, and the published mean sits on the cut.

Nine general sections and four Texas ones, weighted to the question.

How to split your time between the 100 general questions and the 30 Texas ones.

Where the near-synonyms are, and how the distractors are built.

Three steps, no pre-licensing course, and the one exemption that exists.

What the licence lets you do, and what comes after it.

What the pre-licensing schools sell, what it costs, and what you actually need.

One question, one answer, no preamble.