How many questions are on the Texas Life & Health Insurance License Exam?

The exam consists of 145 total questions, which includes 130 scored questions and 15 unscored pretest questions used to evaluate future test items.

What is the passing score for the TX-LH exam?

Because insurance licensure is managed at the state level, the required score varies by state and the candidate MUST verify the exact passing score with their specific state or certification agency. For example, while the Texas Department of Insurance requires a 70% to pass, other states may require a different score (e.g., Michigan requires a 75%).

How long do I have to complete the exam?

Candidates are given a time limit of 150 minutes to complete the entire multiple-choice exam at Pearson VUE testing centers.

How much does it cost to take the Texas Life and Health exam?

The exam fee itself ranges from $33 to $62 depending on the exact registration criteria, plus a $50 state application fee and an approximate $41 fingerprinting fee.

Which exam topics are weighted the most heavily?

General Insurance Regulation is by far the most heavily tested domain, accounting for 25% of the exam. Policy Riders, Provisions, Options, and Exclusions, along with Other Health Insurance Concepts, follow at 12.5% each.

How many hours should I study to pass the Texas insurance exam?

Most candidates need between 40 and 60 hours of focused study to comfortably learn both the national insurance concepts and the state-specific Texas regulations.

← Insurance Licensing

TX-LH · Syllabus & Exam Outline 2026

Texas Life & Health Insurance License Exam

Exam-aligned study paths covering the national Life & Health insurance core plus Texas insurance law - Texas Department of Insurance rules, licensing, and state-specific requirements - in retention-first 15-minute topics.

Start studying free see the outline ↓

Questions: 145 (130 scored, 15 pretest)
Time limit: 150 minutes
Passing score: 70%
Cost: $33 - $62 exam fee (plus $50 state application fee and ~$41 fingerprinting fee)
Format: Multiple choice
Delivery: Pearson VUE Testing Centers
Prep time: ~60 hours

Exam overview

The Texas Life & Health Insurance License Exam is a critical milestone for professionals looking to sell and manage life, accident, and health insurance policies in the state of Texas. Administered by Pearson VUE on behalf of the Texas Department of Insurance (TDI), the assessment combines nationally uniform principles with state-specific laws and regulatory mandates. Candidates must demonstrate a thorough understanding of policy frameworks, underwriting procedures, ethical marketing, and complex tax considerations. The expansive syllabus ranges from core life insurance concepts and consumer-driven health plans to a heavy emphasis on insurance regulation, ensuring candidates are well-prepared for both the legal and practical demands of the industry. To streamline your preparation, Only Ever maps every single domain and objective from the official exam outline into targeted, 15-minute study topics. This methodical approach ensures you can digest complex regulations and policy nuances efficiently, tracking your progress step-by-step as you build the knowledge necessary to pass the exam and launch your career.

Exam domains & weighting

Each domain's share of the exam — study deepest where the weight is highest. Open one for how to study it and its objectives.

How to study this domain

Focus on the defining characteristics and differences between traditional whole life, term life, and flexible permanent policies. Practice identifying which product best suits different consumer scenarios.

Key objectives

Traditional Whole Life Products
Interest, Market-Sensitive, and Adjustable Life
Term Life Insurance
Annuities
Combination Plans and Variations

Study this domain

Readiness self-check

Tick off everything you can confidently explain. Anything left unchecked is your study list — tap “Review” to jump straight into that domain.

Readiness

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Types of Policies

Review

Can you distinguish between ordinary whole life, variable universal life, and indexed life insurance?
Do you know the difference between immediate and deferred annuities and their respective payout options?

Policy Riders, Provisions, Options, and Exclusions

Review

Are you able to list standard nonforfeiture options and explain how each affects the policy's cash value?
Can you define the incontestability clause and identify standard policy exclusions?

Completing the Application, Underwriting, and Delivering the Policy

Review

Do you understand the difference between warranties and representations on an insurance application?

Retirement and Other Insurance Concepts

Review

Can you explain how life insurance is utilized in business continuity planning, such as key person or buy-sell agreements?

Types of Accident & Health Policies

Review

What are the structural differences between an HMO and a PPO?

Health Policy Provisions, Clauses, and Riders

Review

Are you familiar with the Uniform Individual Accident and Sickness Policy Provisions Law?

Social Insurance

Review

Can you explain what each part of Medicare (Parts A, B, C, D) specifically covers?

Other Health Insurance Concepts

Review

How does the coordination of benefits provision prevent over-insurance when an individual has multiple policies?

General Insurance Regulation

Review

Can you define twisting, churning, and rebating as they relate to unfair trade practices in Texas?
What is the purpose of the Texas Life & Health Insurance Guaranty Association, and what are its coverage limitations?
Are you aware of the continuing education and license renewal requirements for Texas producers?

Quick reference

Important Industry Acronyms

Common abbreviations found throughout the Texas Life & Health Insurance exam syllabus.

HMO: Health Maintenance Organization
PPO: Preferred Provider Organization
HDHP: High Deductible Health Plan
HSA: Health Savings Account
NAIC: National Association of Insurance CommissionersCreates model laws for state-level regulation
GLBA: Gramm-Leach-Bliley ActFederal privacy and consumer protection law
HIPAA: Health Insurance Portability and Accountability Act
COBRA: Consolidated Omnibus Budget Reconciliation ActMandates continuation of group health coverage
LTC: Long Term Care
ERISA: Employee Retirement Income Security Act

Key Medicare & Social Insurance Categories

Federal and state social insurance programs you must differentiate for the exam.

Medicare Part A

Hospital insurance covering inpatient care, skilled nursing facilities, hospice, and some home healthcare.

Medicare Part B

Medical insurance covering outpatient care, doctor services, and preventative care.

Medicare Part C

Medicare Advantage plans offered by private companies approved by Medicare.

Medicare Part D

Prescription drug coverage.

Medicaid

A joint federal and state program that helps with medical costs for some people with limited income and resources.

Essential Contract & Regulatory Terms

Adhesion Contract

A contract drafted by one party (the insurer) and signed by another (the insured) on a take-it-or-leave-it basis.

Aleatory Contract

A contract in which the exchange of value is unequal and depends on an uncertain event.

Subrogation

The legal process by which an insurance company, after paying a loss, seeks to recover the amount from the third party that caused the loss.

Twisting

An unfair trade practice involving misrepresentation to induce a policyholder to lapse, forfeit, or surrender a policy to buy another.

Rebating

Offering anything of value not specified in the insurance contract as an inducement to purchase a policy.

Frequently asked questions

Good to know

The exam includes 15 unscored pretest items mixed in with the 130 scored questions.
State-specific Texas laws and regulations are tested alongside nationally uniform NAIC model general knowledge.
This document covers the general knowledge core; candidates must also prepare for the Texas-specific state regulatory modules as outlined in the TDI syllabus.

Reading isn’t remembering.

Texas Life & Health prep blends nationally-uniform insurance concepts with Texas-specific law, and most materials muddle the two.

Only Ever teaches the shared national Life & Health core once, then layers Texas insurance law - regulation, licensing, unfair practices, guaranty protection, and state-specific rules - as focused 15-minute topics.

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