How hard is the Texas life and health insurance exam?
In 2025, 57% of first-time takers passed the Texas life, accident and health exam, according to Pearson VUE. Here is where candidates lose marks, and how to study for those sections.
Or practice just the state law section: Texas law practice test →
The official pass rate
Pearson VUE runs the exam for the Texas Department of Insurance and publishes its pass rates. In 2025, 14,925 of the 26,273 people taking the English General Lines – Life, Accident and Health exam for the first time passed: 57%. People retaking it passed 40% of the time (6,453 of 16,293).3
The Spanish version of the exam has a lower rate: 819 of 2,387 first-time takers passed in 2025 (34%).3
The rate has stayed close to that since. In August 2026, the latest month published when this page was checked, 1,353 of 2,526 first-time takers passed the English exam (54%).4,5
All of these results come from before the content outline that took effect on September 1, 2026.2
The Texas-law section
The exam has 130 scored (100 general knowledge + 30 Texas law), plus 15 unscored pretest questions. The Texas-law questions cover the Commissioner of Insurance and penalties, license types and continuing education, unfair trade practices, agent duties, the Texas Life and Health Guaranty Association, and Texas rules for life policies, health policies, Medicare supplement, long-term care and HMOs. They test Texas statutes, so study material written for the general life and health questions does not cover them.2
Start the Texas-law sections here
- Commissioner of Insurance: powers, records examination, and investigations Free · practice set
- Life insurance marketing, advertising, and the buyer's guide Free · practice set
- Required policy provisions: newborn and chemical-dependency coverage Free · practice set
- HMO definitions and evidence of coverage Free · practice set
The biggest sections
Four sections carry 61 of the 130 scored questions: types of health and accident insurance policies (16), types of life insurance policies (15), policy riders, provisions, options and exclusions (15), and health policy provisions, clauses and riders (15).2
Start the biggest sections here
- Disability income and accidental death and dismemberment policies Free · practice set
- Traditional whole life products Free · practice set
- Waiver, guaranteed-insurability, payor, and accidental-death riders Free · practice set
- Mandatory provisions I: entire contract, incontestability, grace period, reinstatement Free · practice set
Topics that are easy to mix up
Each group below is on the content outline. The terms in each group sound alike, or they apply to the same policy at different times, so they are easy to confuse.2
Grace period vs reinstatement vs incontestability
- Premium payment modes and grace period
- Reinstatement, policy loans, and nonforfeiture options
- Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Individual life policy provisions, free look, and grace period
Fixed vs variable annuities, immediate vs deferred
HMO vs PPO vs POS
- Managed care structures: HMO, PPO, and POS plans
- Managed care concepts
- HMO definitions and evidence of coverage Free · practice set
Medicare vs Medicare supplement
- Medicare Parts A, B, C, and D Free · practice set
- Medicare supplement policies
- Texas Medicare supplement standards
Noncancellable vs guaranteed renewable
How to study for it
You need 70 on a 0–100 scaled score (not 70% correct). You have 150 minutes for the whole exam. If you fail: Rebook from the next day; no limit on attempts.1
Divide your time the way the outline divides the questions. Start with the biggest sections, and give the Texas-law section its own study time, because it tests Texas statutes rather than general concepts.2
Every lesson is audio you can play on a commute. Free to start:
Frequently asked questions
What is the pass rate for the Texas life and health insurance exam?
Pearson VUE reports that 57% of first-time takers passed the English General Lines – Life, Accident and Health exam in 2025 (14,925 of 26,273), and 40% of people retaking it passed.3
Is the Texas insurance exam hard?
About 4 in 10 first-time takers do not pass: in 2025, 11,348 of 26,273 first-time attempts at the English exam failed.3
Official sources
- Pearson VUE: Texas Insurance Licensing Candidate Handbook (#124400)
- Pearson VUE: Texas Insurance Examination Content Outlines, effective September 1, 2026 (#124401)
- Pearson VUE: Texas Department of Insurance Examination Pass Rates: January–December 2025
- Pearson VUE: Texas Department of Insurance Examination Pass Rates: August 2026
- Pearson VUE: Texas Insurance Pass Rates
Checked against these sources as of .