What's on the Texas life, accident and health agent exam
The Texas general lines life, accident and health exam has 130 scoreable questions and gives you 150 minutes. Your result is reported as a scaled score, and 70 passes. [Outline p.4] [Outline p.7] [Handbook p.19] [Handbook p.16]
The format
- Exam
- General Lines – Life, Accident & Health, in English (InsTX-LAH05) or Spanish (InsTX-LAH25). [Handbook p.19]
- Questions
- 130 scoreable: 100 in the general knowledge part and 30 in the state specific part. [Outline p.4] [Outline p.7]
- Pretest questions
- 10 more in the general part and 5 more in the state part, mixed in and not identified. They do not affect your score. [Outline p.4] [Outline p.7] [Handbook p.15]
- Time
- 150 minutes. [Handbook p.19]
- Passing score
- 70, on a scaled score that runs from 0 to 100. [Handbook p.16]
- Outline in effect
- September 1, 2026. [Outline p.4]
The exam is multiple choice and has two parts, a general section on basic insurance product knowledge and a state section on the laws, rules and practices unique to Texas. You are scored on the exam as a whole, not on each part. [Handbook p.15]
The passing score is not a percentage. Pearson VUE says the scaled score you are given “is neither the number of questions you answered correctly nor the percentage of questions you answered correctly.” [Handbook p.16] That is why the practice test here gives you a count of right answers and nothing that pretends to be a score.
One thing to know about the documents. Pearson VUE lists the exam by the name above and publishes the outlines as “Life and Health” general knowledge and “Life and Health Agent” state specific. Neither document says in so many words that the second pair belongs to the first, so check the outline and the handbook together when you plan your study. [Outline p.4] [Outline p.7] [Handbook p.19]
The sections
The outline ends each section’s heading with a number. In the general part the nine numbers add up to 100 and in the state part the four add up to 30, the scoreable questions in each. The outline does not say what the numbers count, so read them as a guide to how much of the exam each section is. [Outline p.4] [Outline p.7]
General knowledge (100 scoreable questions)
| Section | Outline’s number |
|---|---|
| I. Types of policies [Outline p.4] | 15 |
| II. Policy riders, provisions, options, and exclusions [Outline p.5] | 15 |
| III. Completing the application, underwriting, and delivering the policies [Outline p.5] | 12 |
| IV. Retirement and other insurance concepts [Outline p.5] | 8 |
| V. Types of policies [Outline p.6] | 16 |
| VI. Policy provisions, clauses, and riders [Outline p.6] | 15 |
| VII. Social insurance [Outline p.6] | 6 |
| VIII. Other insurance concepts [Outline p.6] | 5 |
| IX. Field underwriting procedures [Outline p.6] | 8 |
State specific, Texas law (30 scoreable questions)
| Section | Outline’s number |
|---|---|
| I. Texas statutes and rules common to life and health insurance [Outline p.7] | 14 |
| II. Texas statutes and rules pertinent to life insurance only [Outline p.7] | 6 |
| III. Texas statutes and rules pertinent to accident and health insurance only [Outline p.8] | 7 |
| IV. Texas statutes and rules pertinent to health maintenance organizations (HMOs) [Outline p.8] | 3 |
The study guide lists every topic under each section, in the outline’s own words.
How to study
Neither TDI nor Pearson VUE endorses or provides any particular study materials, and you are free to use the ones you like. [Handbook p.18] Use the outline as a checklist, read the statutes it cites, and test yourself: the free practice test gives every answer with its source.
Sources
- Pearson VUE, Texas Insurance Supplement: Examination Content Outlines, effective September 1, 2026 (PDF)
- Pearson VUE, Texas Insurance Licensing Candidate Handbook (October 2024, PDF)
Every fact on this page was checked against these sources on . Fees, forms and exam details change, so check the Texas Department of Insurance and Pearson VUE before you pay. noshu is not affiliated with the Texas Department of Insurance or Pearson VUE, and this is a study aid, not legal advice: they and the statutes are the authority. If something here is wrong, tell us at a@noshu.net.