Texas P&C Exam Master Guide 2026

The Texas General Lines - Property and Casualty (P&C) exam is the state licensing examination for candidates seeking authority across personal and commercial property and casualty lines. TDI issues the license; Pearson VUE administers the exam. Passing is followed by a separate licensing application and any applicable fingerprint process.

This guide connects the current exam format, September 2026 outline, study strategy, booking details, score reporting, and license application. For a specific task, use the existing exam-code guide, format and score page, and TDI's official P&C license page.

What the license covers

General Lines P&C includes personal and commercial property and casualty coverage. The exam combines general insurance principles and product knowledge with Texas-specific statutes and rules. It is different from Personal Lines P&C and from P&C adjuster examinations. Choose the exam code that matches the license authority you need.

The exam-code explainer distinguishes the related Pearson VUE exams. TDI's license application page sets out the separate licensing process.

Exam eligibility

For a resident individual license, TDI directs applicants to pass the qualifying state exam before submitting the application. Start the application and fingerprint process through TDI's instructions, then apply through the permitted channel. Most applicants need fingerprints, but exceptions depend on prior licensing and residency. Confirm the license type, authority, and any exceptions directly with TDI.

A General Lines P&C license covers a broader range of property and casualty products than a Personal Lines license. The exam is not an adjuster credential and does not determine whether a particular applicant is eligible for appointment by an insurer. TDI's licensing rules govern the license, while insurer appointment is a separate relationship. Passing alone does not mean that you are ready to advise on every product or risk.

Registration and cost

Schedule through Pearson VUE using code InsTX-PC06 and ensure your account name matches your government identification. Current facts list a USD 49 exam fee and a separate USD 50 resident individual application fee. Confirm the exam charge at booking and the application charge with TDI because fees and procedures can change.

The scheduling guide, cost page, and test-center directory guide cover the booking choices. Pearson's Texas insurance candidate page provides the current handbook and outlines.

Format and duration

Pearson VUE administers 145 multiple-choice questions in 150 minutes. There are 130 scored questions: 100 general and 30 Texas-specific. Fifteen pretest items are mixed into the exam and do not affect the score; you cannot identify them while testing. The general and Texas portions are scored as one examination, not as two separately passed sections.

Review the format and question count and pretest item behavior before deciding how to pace. Do not leave any item blank because you believe it is unscored.

Content outline

The current Texas Insurance Supplement became effective September 1, 2026. Its general portion covers six areas of property and casualty knowledge; the state-specific portion covers two broader Texas law sections. General content includes policy forms and coverage, insurance concepts, contracts, and product knowledge. State questions address laws common to P&C and statutes and rules specific to property and casualty insurance.

Use the guide to reading the Texas P&C outline and September 2026 outline update. The official Pearson VUE supplement lists the tested sections and references.

Scoring and pass rate

The passing standard is 70 on Pearson VUE's scaled 0-100 score. This is not a 70% raw score or a fixed number correct. A scaled score supports comparison across different forms; the raw count needed can vary. Review how to read the P&C score report and avoid converting the scaled score to a claimed raw percentage.

Pearson VUE's 2025 summary reports a 59% first-time pass rate for the English General Lines P&C exam. This describes first-time candidate outcomes in that reporting period, not the passing score and not the likelihood that any one person will pass. The passing score remains a scaled score of 70, not 59% or 70% correct.

Use the statistic as context, then assess your own performance against the official outline. A candidate can have a different preparation background, and a published cohort result cannot account for your strengths, weak areas, or exam form. See Pearson VUE's Texas pass-rate summaries and keep pass rate, scaled score, and practice readiness as separate measures.

Study and practice

There is no official number of study hours that predicts a pass. Begin with a short diagnostic set across all eight outline sections. Schedule time according to missed objectives, not simply by chapter length. Review general property and casualty topics alongside the state-specific rules so you practice switching contexts, then add mixed sets to build retrieval and pacing.

After each set, classify errors: concept not learned, similar terms confused, policy wording misread, Texas rule forgotten, arithmetic slip, or question stem misread. Choose the next study task to address the cause. Use spaced review for definitions and statutes, and reserve complete timed practice for when you can explain the underlying concepts. The guides on P&C readiness, when to start full mocks, and practice-test review can help sequence this work.

A useful practice question gives you a coverage problem, policy language, or Texas-law fact and asks you to apply it. Read the question stem for what is being asked, identify the relevant form or rule, then compare each answer against the facts. Watch for words such as except, only, must, and may; the exam can turn on whether a statement is a condition, exclusion, limit, or statutory requirement.

Use practice questions to learn, not only to measure a percentage. The focused pages on answering policy-form scenarios, Texas statute questions, property loss calculations, and liability limits model distinct problem types.

For example, if a scenario describes a covered property loss and a deductible, separate the covered amount from the insured's retained share before choosing an answer. If it asks about Texas law, note whether the question concerns licensing, policy cancellation, an assigned-risk mechanism, or a guaranty association. The details in the question determine which rule applies; avoid importing a rule from another state or another line of insurance.

When reviewing an incorrect answer, write down the sentence or fact that changes the result and identify the source. If the issue was a Texas statute, use the statute cited in the official outline. If it was policy language, return to the relevant coverage part, exclusion, condition, or endorsement. This makes each practice set a targeted review instead of a stack of memorized answer letters.

Retakes

If you fail, use the score report to decide what needs more study, then check current Pearson VUE retake rules and charges before booking. The Texas P&C retake guide covers the next attempt.

Next steps

TDI describes the path as exam, fingerprint process where applicable, and application. Most applicants need a fingerprint background check. A resident individual generally must pass before applying, and TDI says to file within one year of passing or the exam must be retaken. Complete the application through an approved channel and respond to regulator requests.

Passing the exam is not the same as receiving the license or an insurer appointment. Confirm license eligibility and current application requirements directly with TDI. For preparation tools, visit Sitonce Texas General Lines P&C or open the practice area. Sitonce is independent and is not affiliated with or endorsed by TDI or Pearson VUE.