Texas Insurance Exam Pass Rates 2026 (Pearson VUE Data)

Only about half of all attempts at the Texas Life, Accident and Health exam end in a pass.

Pearson VUE, which runs the Texas insurance licensing exams for the Texas Department of Insurance (TDI), publishes a pass rate report every month. We added up the twelve reports from November 2025 to October 2026 so the numbers are not skewed by one strong or weak month.

All counts are exam attempts, not people. One candidate who fails twice and then passes shows up three times.

Pass rates by exam

The figures below sum the monthly reports from November 2025 to October 2026. The rate is total passes divided by total graded attempts.¹

1Life, Accident and Health: 48.6 percent

40,363 attempts and 19,604 passes at the General Lines Life, Accident and Health exam (LAH05). It is by far the most taken Texas insurance exam.¹

2Life only: 42.1 percent

31,692 attempts and 13,331 passes at the Life Agent exam (Life01). It is shorter than the combined exam, but its first-time pass rate of 46.2 percent is the lowest of the English exams.¹

3Property and Casualty: 50.2 percent

20,047 attempts and 10,068 passes at the General Lines Property and Casualty exam (PC06).¹

4Personal Lines: 54.5 percent

6,964 attempts and 3,793 passes at the Personal Lines Property and Casualty exam (PersPC55), the highest rate of the main exams.¹

5Spanish exams: about 25 percent

The Spanish Life, Accident and Health exam passed 848 of 3,308 attempts (25.6 percent), and the Spanish Life Agent exam 1,461 of 5,788 (25.2 percent).¹

Exam	Attempts	Passed	Pass rate
Life, Accident and Health	40,363	19,604	48.6%
Life only	31,692	13,331	42.1%
Property and Casualty	20,047	10,068	50.2%
Personal Lines	6,964	3,793	54.5%
All Lines Adjuster	533	212	39.8%
Life, Accident and Health (Spanish)	3,308	848	25.6%
Life only (Spanish)	5,788	1,461	25.2%
Property and Casualty (Spanish)	506	112	22.1%

The All Lines Adjuster exam is rare at Pearson VUE because most adjusters qualify through an approved course with its own exam instead.

First attempts and retakes

6First attempts pass far more often

At the Life, Accident and Health exam, 13,249 of 24,139 first attempts passed (54.9 percent), but only 6,355 of 16,224 retakes (39.2 percent). The pattern holds for the other exams: Life only 46.2 percent first time against 35.5 percent for retakes, Property and Casualty 59.6 against 37.8 percent.¹

7Four in ten attempts are retakes

Retakes made up 40.2 percent of all Life, Accident and Health attempts in the twelve months. Each retake costs the $49 exam fee again.¹³

The latest month

8October 2026: 49.7 percent

In October 2026 the Life, Accident and Health exam had 3,317 graded attempts and 1,649 passes. First attempts passed at 55 percent. The Life only exam passed 42.7 percent of 2,495 attempts.⁴

Single months swing with the number of candidates. In July 2025, 2,912 first attempts were graded at the Life, Accident and Health exam, far more than in October 2026.⁵

Trend since 2020

The National Association of Insurance Commissioners (NAIC) collects first-time pass rates from every state each year. For Texas, they show first attempts getting harder since 2020.⁶⁷

9Life only: from 59 to 47 percent

The first-time pass rate of the Life Agent exam fell from 59 percent in 2020 to 47.0 percent in 2025, while first-time takers doubled from 10,484 to 20,772.⁶⁷

10Life, Accident and Health: from 66 to 57 percent

The combined exam passed 66 percent of first-time takers in 2020 and 57 percent in 2025. The low point was 2022 at 47.2 percent.⁶⁸⁷

Year	Life only	Life, Accident and Health	Property and Casualty	Personal Lines
2020	59.0%	66.0%	64.0%	67.0%
2022	53.5%	47.2%	55.1%	62.8%
2023	51.2%	59.8%	56.9%	64.2%
2024	46.8%	59.5%	58.3%	67.9%
2025	47.0%	57.0%	59.0%	66.0%

First-time takers, English exams, as reported to the NAIC. NAIC has no separate 2021 figures.⁶⁸⁹¹⁰⁷

Licenses in Texas

11385,543 Life, Accident, Health and HMO licenses

TDI counted 385,543 General Lines Life, Accident, Health and HMO licenses at the end of fiscal year 2025, up 5.7 percent from 364,907 a year earlier.²

12Life only licenses grew 11.9 percent

Life only agent licenses rose from 108,054 to 120,905 in fiscal year 2025. Property and Casualty licenses reached 181,651.²

13186,315 agent and adjuster licenses issued in FY2025

TDI issued between 180,994 and 191,416 agent and adjuster licenses a year from fiscal 2021 to 2025. These are all license types, not only new agents, and one person can hold several licenses.²

You can find out where you stand with a free practice test.

Common questions

What is the pass rate of the Texas Life and Health insurance exam?

48.6 percent of all attempts from November 2025 to October 2026, and 54.9 percent of first attempts.¹

What score do I need to pass?

A scaled score of 70 on a scale from 0 to 100. The scaled score is not the same as the percentage of questions you answered correctly.³

Are Texas pass rates going down?

For the Life only exam, yes: first-time pass rates fell from 59 percent in 2020 to 47 percent in 2025.⁶⁷

Is the Life only exam easier than Life and Health?

It is shorter, but not easier by pass rate: 42.1 percent against 48.6 percent for the combined exam.¹

Sources

The twelve-month totals are our own sums of the monthly Pearson VUE reports. Newer months appear on the Pearson VUE pass rate page.

1. Pearson VUE: Texas Department of Insurance pass rate reports (monthly, November 2025 to October 2026) (pearsonvue.com)
2. Texas Department of Insurance: 2025 Annual Report (tdi.texas.gov)
3. Pearson VUE: Texas Insurance Licensing Candidate Handbook (pearsonvue.com)
4. Pearson VUE: Texas Department of Insurance pass rate report (October 2026) (pearsonvue.com)
5. Pearson VUE: Texas Department of Insurance pass rate report (July 2025) (pearsonvue.com)
6. NAIC: State testing pass rates, calendar year 2020 (content.naic.org)
7. NAIC: State testing pass rates, 2025 (content.naic.org)
8. NAIC: State testing pass rates, 2022 (content.naic.org)
9. NAIC: State testing pass rates, 2023 (content.naic.org)
10. NAIC: State testing pass rates, 2024 (content.naic.org)