What's on the Texas life and health insurance exam
What is on the Texas life and health insurance exam: every section with its number of scored questions, how much of the exam it is, and the lessons that cover it.
Or practice just the state law section: Texas law practice test →
About the exam
The Texas life, accident and health exam is General Lines – Life, Accident & Health (InsTX-LAH05; Spanish: InsTX-LAH25), given by Pearson VUE. It has 130 scored (100 general knowledge + 30 Texas law), plus 15 unscored pretest questions. You have 150 minutes.1,2
Exam sections and question weights
Every section, with the lessons that cover it
Study the heaviest sections first: Types of health and accident insurance policies (16 questions), Policy riders, provisions, options, and exclusions (15 questions), Health policy provisions, clauses, and riders (15 questions).
100 of the 130 scored questions are general knowledge and 30 are state law.2
| Section | Scored questions | Share of exam | Type |
|---|---|---|---|
| Types of life insurance policies | 15 | 11.5% | General knowledge |
| Policy riders, provisions, options, and exclusions | 15 | 11.5% | General knowledge |
| Completing the application, underwriting, and delivering the policy | 12 | 9.2% | General knowledge |
| Retirement and other insurance concepts | 8 | 6.2% | General knowledge |
| Types of health and accident insurance policies | 16 | 12.3% | General knowledge |
| Health policy provisions, clauses, and riders | 15 | 11.5% | General knowledge |
| Social insurance | 6 | 4.6% | General knowledge |
| Other insurance concepts | 5 | 3.8% | General knowledge |
| Field underwriting procedures | 8 | 6.2% | General knowledge |
| Texas statutes common to life and health insurance | 14 | 10.8% | State law |
| Texas statutes for life insurance | 6 | 4.6% | State law |
| Texas statutes for accident and health insurance | 7 | 5.4% | State law |
| Texas statutes for HMOs | 3 | 2.3% | State law |
| Total | 130 | 100% |
Types of life insurance policies
- Traditional whole life products Free · practice set
- Interest- and market-sensitive life products
- Term life insurance types
- Term life renewability and convertibility features
- Annuity premium and timing structures
- Annuity classification and payout options
- Combination and survivorship life plans
Policy riders, provisions, options, and exclusions
- Waiver, guaranteed-insurability, payor, and accidental-death riders Free · practice set
- Term, other-insured, and long-term-care riders
- Return-of-premium, disability, and cost-of-living riders
- Core contract provisions: entire contract, insuring clause, free look, consideration, owner's rights
- Beneficiary designation rules
- Premium payment modes and grace period
- Reinstatement, policy loans, and nonforfeiture options
- Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Policy exclusions: war, aviation, and dangerous occupation
Completing the application, underwriting, and delivering the policy
- Application mechanics: signatures, changes, and incomplete applications Free · practice set
- Collecting the initial premium and issuing the receipt
- Replacement and point-of-sale disclosures (HIPAA, HIV consent)
- USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Underwriting: insurable interest, medical information, and risk classification
- Policy delivery and explaining the contract to the client
- Insurance contract law and its unique characteristics
Retirement and other insurance concepts
- Third-party ownership of life insurance Free · practice set
- Life settlements
- Group life insurance conversion and contribution
- Qualified and nonqualified retirement plans
- Life insurance needs analysis for individuals and businesses
- Social Security retirement benefits
- Tax treatment of life insurance premiums, proceeds, and MECs
Types of health and accident insurance policies
- Disability income and accidental death and dismemberment policies Free · practice set
- Basic and major medical expense insurance
- Managed care structures: HMO, PPO, and POS plans
- Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Medicare supplement policies
- Group health insurance and COBRA
- Individual and group long-term care insurance
- Dental, vision, and specified-disease policies
- Worksite, hospital indemnity, short-term medical, and accident policies
Health policy provisions, clauses, and riders
- Mandatory provisions I: entire contract, incontestability, grace period, reinstatement Free · practice set
- Mandatory provisions II: claim notice, forms, proof of loss, and payment of claims
- Mandatory provisions III: physical exam, legal actions, and beneficiary/occupation changes
- Other provisions I: insuring clause, free look, consideration, probationary and elimination periods
- Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles
- Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Health policy riders
- Rights of renewability
Social insurance
- Medicare Parts A, B, C, and D Free · practice set
- Medicaid
- Social Security benefits (disability and retirement)
Other insurance concepts
- Disability classifications: total, partial, recurrent, and residual Free · practice set
- Owner's rights
- Dependent children benefits
- Primary and contingent beneficiaries
- Modes of premium payment
- Nonduplication and coordination of benefits
- Occupational versus non-occupational classification
- Tax treatment of premiums and proceeds
- Managed care concepts
- Workers' compensation
- Subrogation
Field underwriting procedures
- Completing the health insurance application Free · practice set
- Sources of insurability and HIPAA privacy disclosures
- Initial premium collection and receipt consequences
- Submitting the application for underwriting
- Policy delivery and explaining the contract
- Replacement of health insurance
- Insurance contract law and insurable interest
Texas statutes common to life and health insurance
- Commissioner of Insurance: powers, records examination, and investigations Free · practice set
- Penalties and cease-and-desist orders
- Insurance entity definitions: certificate of authority, transacting insurance, and organization types
- License types, exemptions, appointment, and continuing education
- License records, renewal, termination, and notification duties
- Unfair trade practices I: claims handling, advertising, and misrepresentation
- Unfair trade practices II: rebating, fraud, boycott, commingling, and unfair discrimination
- Agent duties and commission sharing
- The Texas Life and Health Guaranty Association
Texas statutes for life insurance
- Life insurance marketing, advertising, and the buyer's guide Free · practice set
- Individual life policy provisions, free look, and grace period
- Group life insurance rules
- Credit life insurance
- Replacement duties for life insurance
- Nonforfeiture law
Texas statutes for accident and health insurance
- Required policy provisions: newborn and chemical-dependency coverage Free · practice set
- Texas Medicare supplement standards
- AIDS testing requirements
- Long-term care regulation
- Small group health insurance
- ACA marketplace, subsidies, and essential health benefits
- Employer notification responsibilities under the ACA
Texas statutes for HMOs
Official sources
- Pearson VUE: Texas Insurance Licensing Candidate Handbook (#124400)
- Pearson VUE: Texas Insurance Examination Content Outlines, effective September 1, 2026 (#124401)
Checked against these sources as of .