United States
Hong KongHow much of the exam is Texas law?
30 of the 130 scored questions, across four outline sections. The other 100 are general insurance principles, which is 77 percent of the paper on our arithmetic. Both portions are sat together and reported as one scaled score, so neither is passed separately.
Less than most candidates assume, and the gap between the assumption and the fact is the most expensive misconception about this exam.
The four Texas sections
| Outline section | Questions |
|---|---|
| Texas statutes and rules common to life and health insurance | 14 |
| Texas statutes and rules pertinent to life insurance only | 6 |
| Texas statutes and rules pertinent to accident and health insurance only | 7 |
| Texas statutes and rules pertinent to health maintenance organizations | 3 |
| Total Texas portion | 30 |
Those counts are Pearson's own, published against each numbered section of the content outline that took effect on 1 September 2026. They sum exactly to 30, which means a study guide claiming different numbers is claiming something you can check.
Look at the bottom row
Texas HMO regulation is three questions. An entire regulatory framework, with its own chapter of the Insurance Code, worth three marks out of 130.
Some study material treats it at length because it is a distinct subject with a lot to say about it. Depth there is a poor trade against the 16-question section on types of accident and health policy, and that comparison is the whole argument for reading the published counts before you plan anything.
The other 100 questions
General insurance principles: types of life policy, riders and provisions, applications and underwriting, retirement concepts, types of accident and health policy, health policy provisions, social insurance, other concepts, and field underwriting. Nine sections, 100 questions.
That is 77 percent of the scored paper. The figure is ours, from dividing 100 by 130, and Pearson leaves that division to the reader. It is the single most useful piece of arithmetic anybody can do about this exam.
Where candidates get it backwards
Texas statute feels like the examinable part. It is specific, it is local, it has section numbers attached, and it is the thing you could plainly be caught out on. So it gets front-loaded.
Meanwhile the general portion is conceptual, feels like it will come naturally, and is full of near-synonym pairs that only separate under precise learning. Our opinion: a candidate who can recite the Insurance Code and hesitates on nonforfeiture options has prepared 30 questions well and 100 badly. The 100/30 split has the full case.
Common questions
How many Texas law questions are on the exam?
Thirty of the 130 scored questions, across four outline sections: statutes common to life and health at 14 questions, life only at 6, accident and health only at 7, and health maintenance organizations at 3.
What share of the exam is general insurance?
100 of the 130 scored questions, which is 77 percent. That percentage is our arithmetic from Pearson's two published counts rather than a figure Pearson states, and it is the number most study plans ignore.
Are the Texas questions harder?
They are memorization rather than reasoning, which makes them different rather than harder. Statute decays quickly and reloads fast, so a concentrated late block suits it better than a thin daily trickle across weeks.
Can you pass the Texas portion separately?
No. The two portions are published as separate outlines and sat together, producing one scaled result for all 130 scored questions. Nothing carries forward to a retake and there is no separate pass on either half.