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Practice and exam technique

How to use the content outline as a checklist

Compiled by the Sitonce editorial team from the Texas Insurance Code, the Texas Department of Insurance's own licensing pages and FY2025 examination report, and Pearson VUE's published content outlines and candidate handbookUpdated 5 min readFacts verified 6 September 2026
The short answer

Pearson publishes a question count against each of the 13 sections: nine general totaling 100 questions and four Texas totaling 30. Score yourself out of five on each section, multiply by the count, and the sections you should study next sort themselves into order.

The most useful study document for this exam is free, it is short, and almost nobody reads it. It is the TEXAS Insurance Supplement content outline, Pearson publication 124401, and the version in force took effect on 1 September 2026.

What makes it useful is not the topic list. Every course has a topic list. It is the number printed beside each section.

The thirteen sections and what each is worth

SectionPortionQuestions
1. Types of policies (life)General15
2. Policy riders, provisions, options and exclusions (life)General15
3. Completing the application, underwriting and delivering the policyGeneral12
4. Retirement and other insurance conceptsGeneral8
5. Types of policies (accident and health)General16
6. Policy provisions, clauses and riders (accident and health)General15
7. Social insuranceGeneral6
8. Other insurance conceptsGeneral5
9. Field underwriting proceduresGeneral8
10. Texas statutes and rules common to life and healthTexas14
11. Texas statutes and rules for life onlyTexas6
12. Texas statutes and rules for accident and health onlyTexas7
13. Texas statutes and rules for health maintenance organizationsTexas3

Those counts are Pearson's, not ours. The general nine add to 100 and the Texas four add to 30, which is the 130 scored questions on the paper.

Read the column rather than the rows and something jumps out. Accident and health policy types is the largest single section on the exam at 16 questions, larger than either life section, and larger than the whole of the Texas life and HMO material put together.

Turning it into a checklist

This takes twenty minutes and it replaces every study plan you were about to buy.

  1. Write the thirteen sections down the left of a page and the question count beside each
  2. Score yourself out of five on every section. Five means you could teach it, one means you have never heard of it
  3. Subtract your score from five, and multiply what is left by the question count
  4. Sort by that product, largest first. That is the order to study in, and it is not the order any course teaches in

The arithmetic is doing something specific. It ranks by questions at risk rather than by weakness alone, so a total blank on health maintenance organizations, worth 3 questions, sits below a shaky grasp of accident and health policy types, worth 16. That is the correct order and it is not the intuitive one, because a total blank feels more urgent than a wobble.

Where the outline stops and we start

Pearson publishes a count for each numbered section and nothing below that level. Any further breakdown you see on this site, or on anyone else's, is derived rather than published. We derive ours from the number of lettered sub-items the outline lists and we label it every time, because a made-up weighting inside a section is worse than no weighting at all.

The sub-items are the real checklist

Under each numbered section the outline lists lettered items, and those are the actual scope statement. Section 5 does not just say accident and health policy types; it names the kinds of coverage examinable within it.

Use them as a coverage test on whatever you are studying from. Take a section, read its lettered items, and check that your course or your notes contain something on each. Anything the outline names and your material does not is a hole, and holes in the heavier sections are expensive.

This is also the cheapest way to audit a course before you commit to it. You are not judging quality, which is hard, you are judging coverage, which is a matter of ticking a list.

The version matters more than usual right now

The outline in force took effect on 1 September 2026. Material written against the previous one describes a paper that is no longer set, and that is a checkable claim rather than a general warning about staying current.

Check it directly. Find the outline version or effective date that a course names in its own description of scope, and compare it against the current publication. If a product does not say which outline it was built for, that is itself an answer.

What the outline will not tell you

It gives you no difficulty information. A section worth 15 questions might be fifteen easy ones, and the count says nothing about how many candidates get them right. Pearson holds that data and nobody outside the vendor sees it.

It also says nothing about time. The section counts tell you how much of the paper each area occupies, not how long its questions take, and those are different things: the 30 Texas questions are recall and should run far faster than their share of the clock, which is the trade worked through in the per-question arithmetic.

Our opinion, stated flatly: the content outline is a better study plan than most paid study plans, because it is the specification the exam is actually built from and everything else is somebody's interpretation of it. It costs nothing and takes an evening to work through properly.

Common questions

Where is the Texas life and health exam content outline?

Pearson VUE publishes it as the TEXAS Insurance Supplement, publication number 124401. It lists 13 numbered sections with a question count against each, and the version in force took effect on 1 September 2026.

How many questions is each section worth?

The nine general sections carry 15, 15, 12, 8, 16, 15, 6, 5 and 8 questions, adding to 100. The four Texas sections carry 14, 6, 7 and 3, adding to 30. Those counts are published by Pearson rather than estimated.

Which section is the largest on the exam?

Accident and health types of policies, at 16 questions. It is larger than either of the two life sections and larger than the Texas life and HMO sections combined, which surprises most candidates who expect life insurance to dominate.

Does the outline say how questions are split within a section?

No. Pearson publishes counts at the section level and nothing below it. Any finer breakdown is derived, including ours, which comes from counting the lettered sub-items the outline lists and is labeled as an estimate wherever it appears.

How do I decide what to study first?

Score yourself out of five on each section, subtract from five, and multiply by the section's question count. Sorting by that product ranks your study by questions at risk rather than by how alarming a gap feels, which are not the same order.