United States
Hong KongWhat is the pass rate for the Texas insurance exam?
57.7 percent, from 26,427 first-time candidates in fiscal year 2025. That is TDI's own figure and it counts people rather than sittings, so roughly four in ten fail at the first attempt. The mean scaled score that year was 69.75.
TDI publishes this in a report filed with the Governor, and almost nobody reads it. It is the most useful document in Texas insurance licensing and it is free.
The figures
- First-time candidates, FY2025
- 26,427
- First-time pass rate
- 57.7%
- Passed
- 15,257
- Mean scaled score
- 69.75
- Standard deviation
- 14.51
- Counted as
- People, not sittings
- Source
- TDI FY2025 demographic report
Why "people, not sittings" matters
A pass rate counted per sitting flatters an exam, because a determined candidate who passes on the third go contributes three sittings and one pass to a rate that already counted their first two failures as somebody else's problem.
TDI counts first-time candidates. 26,427 people sat this exam for the first time and 15,257 of them passed. That is a cleaner number than most exam pass rates you will see quoted anywhere, and it is worth trusting for exactly that reason.
How it compares
| Texas examination | First-time candidates | Pass rate |
|---|---|---|
| General Lines - Life, Accident and Health | 26,427 | 57.7% |
| Life Agent | 21,186 | 46.7% |
| General Lines - Property and Casualty | 10,887 | 58.3% |
| Personal Lines Property and Casualty | 5,223 | 66% |
| Adjuster - All Lines | 403 | 40.7% |
| Property and Casualty Risk Manager | 105 | 32.4% |
The exam you are looking at sits in the middle of TDI's range and it is by far the biggest by volume. The narrower Life Agent license, which sounds easier, has a first-time pass rate eleven points lower.
What 57.7 percent should change about your preparation
Less than people assume. The distribution is what matters: a standard deviation of 14.51 against a mean of 69.75 is a wide spread, which means candidates are not clustered on the line with luck deciding. Most are some distance from the standard in one direction or the other.
That is an encouraging reading of an unencouraging number. The failures are not near-misses being unlucky, they are mostly people who arrived under-prepared for a paper where 100 of the 130 scored questions are general insurance principles rather than Texas law. Which half you prepare is the decision this pass rate should influence.
Common questions
What is the pass rate for the Texas life and health insurance exam?
57.7 percent of first-time candidates passed in fiscal year 2025, from 26,427 who sat. TDI publishes the figure in its annual examination demographic report, and it counts people rather than sittings.
How many people fail?
Roughly four in ten at the first attempt. Of 26,427 first-time candidates in FY2025, 15,257 passed, which leaves more than eleven thousand people who did not clear it on the day.
Is that a per-sitting rate?
No, and the distinction matters. TDI counts first-time candidates as people, so the figure is not inflated by determined candidates who eventually pass after several attempts. It is a more honest number than most published pass rates.
Is this exam harder than the Life Agent exam?
On the published numbers, no. Life Agent had a first-time pass rate of 46.7 percent in FY2025 against 57.7 percent here, so the narrower license carries the lower pass rate despite covering less ground.