United States
Hong KongThe free Texas life and health practice test
The free mock is 130 questions in 150 minutes, weighted to Pearson's published section counts: 100 general and 30 on Texas statute, scored as one result the way the real paper is. It costs nothing. TDI publishes no percentage pass mark, so the score is reported against our own readiness target.
Short version: 130 questions, 150 minutes, free, and one score at the end rather than two. One score, because that is how TDI scores it.
- Questions
- 130, multiple choice
- Split
- 100 general, 30 Texas statute
- Time
- 150 minutes
- Scoring
- One combined result, not two
- Weighting
- Pearson's published section counts
- Cost
- Nothing
The rest of this page is what the mock contains and how to read the number it gives you back. If you would rather just sit it, sit it.
What is actually in it
The counts come from the TEXAS Insurance Supplement content outline that took effect on 1 September 2026. Pearson prints a question count against every numbered section, and we used those numbers rather than smoothing them into something tidier.
| Portion | Sections | Scored questions | Share |
|---|---|---|---|
| General insurance principles | 9 | 100 | 77% |
| Texas statutes and rules | 4 | 30 | The rest |
| Total | 13 | 130 | One result |
That 77% is ours, and it is just 100 divided by 130. It is also the single most useful thing to know before you plan any study at all, because it says most of this exam is not about Texas.
Inside the general portion the sections are not equal. Accident and health policy types carries 16 questions and Other insurance concepts carries 5. The full section-by-section list sits in the content outline used as a checklist.
How the mock is scored, and why it cannot promise you a pass
There is no published pass mark for this exam. TDI sets the passing score, Pearson reports it as a scaled score rather than a percentage of questions, and nobody outside the Department knows what raw count clears it on a given form. Any site printing a flat 70% for this exam is not quoting TDI.
So the mock reports a percentage against a target of our own: 78%. That is not a pass mark and we do not present it as one. It sits deliberately above where the evidence puts the cut, so that a harder form on the day still leaves you clear.
TDI publishes a mean scaled score of 69.75 with a standard deviation of 14.51, against a first-attempt pass rate of 57.7%. A cut at a scaled 70 fits both figures: the mean sits essentially on it, and slightly more than half clear it. That reasoning is ours, not the Department's, and it is a point on a scale rather than a number of questions.
The number worth reading is not the total
The mock returns your general and Texas performance separately even though it scores them together, because the two halves fail for completely different reasons. Missing general questions usually means a concept has not landed. Missing Texas questions usually means a duty, a deadline or an actor has not been learned yet.
Those need different weeks of your life. A candidate who is strong on principles and weak on statute, and a candidate who is the exact reverse, can post the same combined score and should do nothing alike for the next fortnight.
Read the split first. Then read the total.
How to sit it so the number means something
- One sitting, 150 minutes on a clock, no pausing and no looking anything up
- Do not check answers as you go. A mock you review question by question is a study session wearing a mock's clothes
- Use questions you have not seen. A form assembled from items you already worked through returns a comfortable score and no information
- Sit it somewhere slightly uncomfortable. A kitchen table beats a bed
- Write down the time you reached question 100. That figure tells you more about your exam day than the score does
Sit the first one about three quarters of the way through your preparation, while there is still time to act on what it finds. Sit a second near the end to confirm the fix landed. A third form usually tells you nothing the first two did not.
What this test is not
It is not a TDI product and it is not approved by anybody, because for this license there is no approval to get. Texas requires no pre-licensing education for a General Lines life, accident and health agent, so no course substitutes for anything and ours does not either.
It is also not the only free practice on the internet. Several of the pre-licensing schools give away a sample set as a lead magnet, and some of them are good. The honest difference is not quality so much as arithmetic: theirs is a taster for a paid course, ours is a full-length form weighted to the published counts, and neither can tell you the passing score because the passing score is not published.
Our real weakness is reach rather than content. These incumbents are large, they have been selling into Texas for decades, and a carrier recruiting new agents will often pay for their course outright. We do not get near that channel.
Common questions
Is the Texas life and health practice test really free?
Yes. The full 130-question mock costs nothing. An account is needed so the result is saved and a second attempt can be compared against the first, but no payment is taken and nothing expires.
How many questions is the free practice test?
130, matching the scored count on the real exam: 100 general and 30 on Texas statute. The real paper also administers 15 unscored pretest questions, so you face 145 items on the day and are not told which 15 do not count.
What score do I need on the practice test?
There is no published answer. TDI sets the passing score and Pearson reports it as a scaled score, not a percentage. We aim candidates at 78% on our own forms, which is our target rather than a pass mark, chosen to leave headroom on a harder form.
How long should the practice test take?
150 minutes, the same as the real sitting. Sit it against a real clock rather than pausing, because pacing is where most of the damage happens: 130 scored questions in 150 minutes is 1.15 minutes each, and that division is ours.
Does a good practice score mean I will pass?
It means you are prepared against the published section weights. It cannot mean more than that, because the passing score is scaled and unpublished, and because our forms are ours. Treat a strong result as permission to book the appointment, not as a prediction.