Texas Life and Health Insurance Exam Format and Topics
145 questions, 150 minutes, 130 scored: the two parts of the Texas Life, Accident and Health exam, the topic weights from the 2026 content outline, scoring and a study plan by weight.
The Texas Life, Accident and Health exam is long: 145 questions in 150 minutes. Not every question counts, and not every topic counts equally.
The good news is that the content outline publishes the weight of each topic. You can plan your study time around it instead of reading everything twice.
This guide covers the format, the topic table, scoring and a study plan. The facts come from Pearson VUE and the Texas Department of Insurance (TDI). This site is independent and is not affiliated with TDI or Pearson VUE.
In short
- The exam is multiple choice with 150 minutes and a $49 fee.1
- It has a general part (100 scored plus 10 pretest) and a Texas part (30 scored plus 5 pretest).2
- Pretest questions are mixed in, not identified and do not affect your score.1
- The score is for the exam as a whole, and TDI sets the passing score: a scaled score of 70 on a scale from 0 to 100.13
- The largest single topic is accident and health policy types, with 16 scored questions.2
The format
The exam is given in multiple-choice format and has two parts. The general part covers basic insurance product knowledge. The state part covers laws, rules and practices that are unique to Texas.1
According to the content outline, the general part has 100 scored questions plus 10 pretest questions. The Texas part has 30 scored questions plus 5 pretest questions. That makes 145 questions, of which 130 are scored.2
The exam code is InsTX-LAH05. You get 150 minutes, and the fee is $49.1
Topics and weights
The outline gives a number of scored questions for each topic. The numbers below are those counts.2
| Topic | Scored questions |
|---|---|
| General part (100) | |
| Life: types of policies | 15 |
| Life: riders, provisions, options and exclusions | 15 |
| Life: application, underwriting, delivery and contract law | 12 |
| Life: retirement and other insurance concepts | 8 |
| Accident and health: types of policies | 16 |
| Accident and health: policy provisions, clauses and riders | 15 |
| Accident and health: social insurance | 6 |
| Accident and health: other insurance concepts | 5 |
| Accident and health: field underwriting procedures | 8 |
| Texas part (30) | |
| Texas statutes and rules common to life and health | 14 |
| Texas rules for life insurance only | 6 |
| Texas rules for accident and health only | 7 |
| Health maintenance organizations (HMOs) | 3 |
The outline lists life topics (policy types, riders, provisions) at 50 of the 100 general questions, and accident and health topics at 50.
What the Texas part covers
The Texas part has four areas. The largest one, with 14 scored questions, covers rules common to life and health: the Commissioner of Insurance and his powers, insurance definitions, licensing requirements, appointments, continuing education, and notice to the department of an address change or a felony conviction.2
It also covers marketing practices, such as misrepresentation, false advertising, rebating and fraud, plus the Texas Life and Health Guaranty Association.2
The life-only area (6 questions) covers individual life policy provisions, group life, credit life, replacement and the nonforfeiture law. The accident and health area (7 questions) covers required provisions, Medicare supplement, long term care, small group health insurance and the Affordable Care Act.2
The outline names the Texas Insurance Code or Administrative Code reference for most items, so you can read the actual rule behind a topic.
How scoring works
The score is not based on each part separately. It is based on the exam as a whole.1 A weak Texas part can be offset by a strong general part, and the reverse.
Pretest questions are used to collect statistics for future exams. They are mixed in with the scored ones, they are not identified, and they do not change your score.1
The passing score is determined by TDI.1 The handbook does not state a number, but the pass rate reports Pearson VUE publishes for TDI do: scores run from 0 to 100, and 70 or higher passes.3 Because the score is scaled, 70 does not mean exactly 70 percent of the questions. Aim clearly above that line in practice.
A study plan by weight
The weights tell you where the points are. A simple split over four weeks works well for most people.
Week 1: life insurance
Policy types (15), riders and provisions (15) and application and contract law (12) carry 42 of the 100 general questions. Start with whole life, term and universal life, then the provisions. See policy provisions explained.2
Week 2: accident and health
Policy types (16) and provisions (15) are the biggest blocks. Learn disability income, medical expense plans, Medicare supplement, group coverage and the required provisions.2
Week 3: Texas law
The Texas part is only 30 questions, but the content is specific: licensing, continuing education, trade practices, the Insurance Code sections for life and health, and HMOs. Learn the numbers.2
Week 4: the small topics and practice
Social insurance (6), other concepts (5) and field underwriting (8) are small but easy points. Then take timed practice. Start a practice test and review every miss.
Once you feel ready, the licensing steps are in how to get a license in Texas.
Common questions
How many questions are on the Texas life and health exam?
145 questions, of which 130 are scored.2
How long is the exam?
150 minutes.1
What is the passing score?
A scaled score of 70 or higher on a scale from 0 to 100.3
Are the sample questions on this site real exam questions?
No. Exam questions are the property of Pearson VUE, and sharing them is prohibited.1 Our questions are our own, written from the public content outline.
Sources
The format and fees come from the Pearson VUE candidate handbook. The topic counts come from the Texas Insurance content outline effective September 1, 2026. This site is independent and is not affiliated with TDI or Pearson VUE.
Enough reading, time to practice
10 practice questions, the solution right away, and at the end you see where you stand.