The Texas life and health content outline, section by section

Most people studying for this license never open the document that tells them what is on it. That is the single cheapest mistake in the whole process, because Pearson does something here that a lot of testing bodies refuse to do: it prints a question count beside every section heading.

Not a percentage band. Not a weighting. A number of questions.

What the outline is, and which one applies to you

The document is the TEXAS Insurance Supplement - Examination Content Outlines, Pearson publication 124401, and it covers every insurance license Texas issues. Yours is the general lines life, accident and health agent exam, exam code InsTX-LAH05. It draws on two outlines inside that file: a general knowledge outline worth 100 scored questions and a Texas state-specific outline worth 30.

All thirteen sections and what each is worth

The general nine add to 100. The Texas four add to 30. You sit them together in one appointment of 150 minutes and you get one result. Nobody passes the general half and fails the Texas half, because there are no halves to pass.

How to read a section count without over-reading it

A count tells you how many questions come from a section. It does not tell you how they are spread inside it. Section VI, the accident and health provisions, lists more than thirty lettered and numbered sub-items under three headings, and it is worth 15 questions. So most of those sub-items carry either one question or none, and which ones get the question changes from form to form.

That is worth saying plainly because we do publish estimated splits inside sections elsewhere on this site, and they are ours, not Pearson's. Where you see one, the page says so and carries a note under it. The section totals in the table above are the published ones and need no such warning.

The shape the counts actually make

Group them that way and the paper stops looking like thirteen things. Products and their provisions, life and health together, come to nearly half the paper, and all of it is conceptual rather than statutory. The Texas statute is 30. Application and field underwriting, which is one topic split across two sections that overlap heavily, is 20.

Here is our opinion, and it is the one thing on this page we would argue for: sections III and IX should be studied as a single block. Section III is completing the application, underwriting and delivering the policy. Section IX is field underwriting procedures, and its six lettered items are completing the application, explaining sources of insurability, the initial premium and receipt, submitting the application, policy delivery, and explaining the policy to the client. That is the same material twice. Twenty questions, one body of knowledge, and candidates routinely treat them as separate chapters.

Where the outline is thin, and what to do about it

The Texas sections carry statutory references beside almost every sub-item, in the form of Insurance Code sections and Administrative Code rules. Those references are the most useful part of the whole document, because they let you read the actual law rather than somebody's summary of it. We hold 47 chapters of the Texas Insurance Code and check our own Texas questions against them.

The concession: we do not hold Title 28 of the Texas Administrative Code, which the outline cites throughout the state portion, particularly for the free look, advertising rules and Medicare supplement minimum standards. It is public and harvestable and we simply have not done it. Where a page here would otherwise state a figure that lives only in 28 TAC, it does not state one.

The general outline carries no statutory references at all, because it is not law. It is product knowledge, and the reference column just says the general insurance texts. That absence is why the general portion is worth 77% of your score and yet is the half most people find easier to revise: there is no citation to get wrong.

Using the outline as a checklist

Print it. Tick each lettered sub-item when you can explain it out loud without looking. The counts tell you where to stop: if you have ticked everything under section VII and the section is worth 6, more Medicare reading is time you have taken from somewhere worth 16. For a sitting plan built around those counts, see how to split time between general and Texas.