Texas Life & Health Insurance License Practice Exam
130 practice questions covering national life & health concepts and Texas-specific regulations.
About the Texas Life & Health Insurance Exam
The Texas Life and Health insurance license exam is required by the Texas Department of Insurance (TDI) before selling life insurance, health insurance, annuities, disability, or long-term care products in Texas. The exam is administered by Pearson VUE on behalf of TDI. Texas is the second-largest insurance market in the US, with high demand for life insurance, group health, and Medicare supplement products driven by its large and fast-growing population.
The Life and Health exam contains 150 questions with a 2.5-hour time limit and a 70% passing score — you need 105 correct answers. You must complete 40 hours of TDI-approved pre-license education before sitting for the exam. Texas's exam emphasizes the Texas Insurance Code, TDI regulations, and Texas-specific consumer protection provisions that apply to life and health insurance transactions.
Texas L&H Insurance Exam Topic Breakdown
| Section | Approx. Weight | Key Topics |
|---|---|---|
| Life Insurance | ~28% | Term, whole, universal, variable life; policy provisions; beneficiary designations |
| Health Insurance | ~22% | Individual and group health, HMO/PPO, disability income, LTC, ACA in Texas |
| Annuities | ~15% | Fixed, variable, indexed; accumulation phase; Texas suitability rules |
| Texas Insurance Code | ~22% | TDI authority, producer licensing, unfair practices, replacement rules |
| Federal Regulations | ~13% | ACA, ERISA, Medicare, HIPAA, COBRA |
Sample Texas L&H Insurance Exam Questions
1. Under the Texas Insurance Code, the free-look period for a life insurance policy delivered in Texas is:
2. The Texas Life, Accident, Health, and Hospital Service Insurance Guaranty Association protects Texas policyholders if an admitted insurer becomes insolvent. Coverage limits for individual life insurance death benefits are:
3. Under Texas replacement regulations, when a life insurance producer recommends replacing an existing policy, the producer must give the applicant a Notice Regarding Replacement and provide a free-look period of:
Study Tips for the Texas L&H Insurance Exam
Texas's free-look periods are a key differentiator: 10 days for standard life policies, 20 days for replacement life policies, and 30 days for Medicare Supplement policies. Memorize all three — they appear on almost every Texas L&H exam. The Texas Guaranty Association coverage limits ($300,000 for death benefits, $100,000 for cash values, $250,000 for annuities) are also Texas-specific and heavily tested.
The Texas Insurance Code provisions on unfair trade practices — twisting, churning, misrepresentation, rebating, defamation, and sliding — are consistently tested. Know the specific definitions under Texas law and the TDI's enforcement authority. For health insurance, know Texas's specific HMO regulations (Texas has one of the largest managed care markets in the country), the Texas Children's Health Insurance Program (CHIP), and the state's approach to ACA implementation through the federally facilitated marketplace.
The national exam content is covered in our national Life & Health practice exam. Getting both lines? See the Texas P&C exam, and use the insurance license study guide for a full prep plan.
Frequently Asked Questions — Texas L&H Insurance Exam
How many questions are on the Texas Life & Health insurance exam?
The Texas L&H exam contains 150 questions with a 2.5-hour time limit. The passing score is 70%, meaning you need at least 105 correct answers. The exam is administered by Pearson VUE on behalf of the Texas Department of Insurance.
What pre-license education is required in Texas for L&H insurance?
Texas requires 40 hours of TDI-approved pre-license education for the Life and Health exam. The curriculum covers life insurance, health insurance, annuities, and Texas insurance law. Courses can be completed online or in person through TDI-approved providers.
What are the free-look periods for life insurance in Texas?
Texas provides three different free-look periods: 10 days for standard new life insurance policies; 20 days for replacement life insurance policies; and 30 days for Medicare Supplement (Medigap) policies. The replacement free-look period is triggered whenever the new policy replaces an existing policy as defined by Texas replacement regulations.
What is the Texas Life, Accident, Health, and Hospital Service Insurance Guaranty Association?
This Texas Guaranty Association protects policyholders if a Texas-admitted life and health insurer becomes insolvent. Coverage limits include: up to $300,000 in life insurance death benefits per insured life; $100,000 in cash surrender values; $250,000 in annuity benefits; and $500,000 aggregate for health insurance benefits. The association is funded by assessments on solvent member insurers.
How long is a Texas insurance producer license valid?
Texas insurance producer licenses are valid for two years. Renewal requires 24 hours of continuing education, including mandatory ethics and Texas law courses. The renewal fee applies every two years. Producers who let their license lapse may need to complete additional requirements to reinstate.
What is 'sliding' in Texas insurance law?
Sliding is the practice of charging a customer for additional insurance products or services without the customer's informed consent — essentially bundling unwanted products into a transaction. Under the Texas Insurance Code, sliding is an unfair trade practice and can result in license suspension or revocation. Agents must obtain specific, informed consent for each product included in a transaction.
Does Texas participate in the Affordable Care Act marketplace?
Texas does not operate its own state exchange — it uses the federally facilitated marketplace (healthcare.gov) for ACA individual and small group plans. Texas has one of the highest rates of uninsured residents in the US, and the ACA marketplace plays a significant role in the state's health insurance landscape. Texas L&H exam candidates should know the ACA's essential health benefits requirements, metal tier structure, and open enrollment rules.