Texas Life and Health Insurance Exam Practice
The Texas General Lines Life, Accident and Health exam is one test in two portions: general life and health knowledge, then Texas state specific questions. The Texas portion follows a Pearson VUE content outline effective September 1, 2026, drawn mainly from the Texas Insurance Code and Title 28 of the Texas Administrative Code.
Below are the exam facts with their sources, the four groups of Texas rules the outline tests and three Texas questions to try. A tests.global practice exam uses the same layout: 100 general questions and 30 Texas questions with 150 minutes for the whole exam.
- 595 Texas portion questions
- 11 Texas lessons
- 4,976 general life and health questions
Texas life and health exam facts
Every row comes from Pearson VUE, which runs the exam for Texas, and shows the date it was checked.
| Exam provider | Pearson VUE develops and administers the Texas insurance licensing exams for the State of Texas; licenses are issued by the Texas Department of Insurance (TDI).Source: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
|---|---|
| Exam | General Lines - Life, Accident & Health (InsTX-LAH05 in English, InsTX-LAH25 in Spanish)Source: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| General knowledge portion | 100 scored questions plus 10 unscored pretest questionsSource: Pearson VUE, Texas Insurance Supplement Examination Content Outlines #124401, effective September 1, 2026, accessed Oct 30, 2026 |
| Texas state specific portion | 30 scored questions plus 5 unscored pretest questionsSource: Pearson VUE, Texas Insurance Supplement Examination Content Outlines #124401, effective September 1, 2026, accessed Oct 30, 2026 |
| Time | 150 minutes for the whole exam (general and Texas portions together)Source: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| Exam fee | $49, paid to Pearson VUESource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| Passing score | Scaled score of 70 (scale 0 to 100); the scaled score is not the number or percentage of correct answersSource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| Language | English or Spanish; a candidate taking the Spanish version can switch between Spanish and English at any time during the examSource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| Retakes | A candidate who fails can schedule a new exam within one day; there is no limit on the number of attemptsSource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| Prelicense education | The handbook's general license requirements list age 18, passing the exam, applying within 12 months, the fee and a fingerprint receipt; no prelicensing course is listedSource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| License application | $50 application fee per license type; apply within 12 months of passing or retake the examSource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
| Continuing education | 24 hours every two years for most licenses, including 3 hours of ethicsSource: Pearson VUE, Texas Insurance Licensing Candidate Handbook #124400 (October 2024 edition), accessed Oct 30, 2026 |
What the Texas portion tests
The 30 scored Texas questions come from four groups of rules in the Pearson VUE outline. Each group shows its scored questions, the tests.global practice questions for it and the subtopics with outline references.
Texas statutes and rules common to life and health insurance
14 scored questions of 30275 practice questions
- Commissioner of Insurance: powers and examinationsOutline I.A.1-2
- Investigations, hearings, penalties and cease and desist ordersOutline I.A.3-5
- Insurance definitions and types of insurersOutline I.B
- Agent licensing: types, nonresident and temporary licensesOutline I.C.1
- Exam exemptions, appointments and continuing educationOutline I.C.2-4
- License records, renewal, denial and disciplineOutline I.C.5-8
- Unfair claim settlement practicesOutline I.D.1.a
- Misrepresentation, false advertising and defamationOutline I.D.1.b-d
- Rebating, fraud, coercion, commingling and discriminationOutline I.D.1.e-i
- Commission sharing and the Life and Health Guaranty AssociationOutline I.E.1, I.F
Texas statutes and rules pertinent to life insurance only
6 scored questions of 30121 practice questions
- Life advertising, illustrations and buyer's guideOutline II.A
- Individual life and annuity policy provisionsOutline II.B
- Group life insuranceOutline II.D
- Credit life insuranceOutline II.E
- Replacement of life insurance and annuitiesOutline II.F
- Nonforfeiture lawOutline II.G
Texas statutes and rules pertinent to accident and health insurance only
7 scored questions of 30140 practice questions
- Required provisions: newborns, dependents and chemical dependencyOutline III.A
- Medicare supplement minimum standardsOutline III.B
- AIDS and HIV testing requirementsOutline III.C
- Long-term care insuranceOutline III.D
- Small employer health benefit plansOutline III.E
- Affordable Care ActOutline III.F
Texas statutes and rules pertinent to health maintenance organizations
3 scored questions of 3059 practice questions
- HMO definitions and evidence of coverageOutline IV.A, IV.B
- HMO enrollment, nonrenewal, cancellation and out-of-network claimsOutline IV.C-E
Outline references point to the Texas Insurance Code or Title 28 of the Texas Administrative Code unless the outline names another law. Source: Pearson VUE #124401 (9/2026), Texas Insurance Content Outlines, Life and Health Agent State Specific Content Outline, Effective September 1, 2026, accessed Oct 30, 2026.
Texas mode on tests.global
The same account covers the 4,976 general life and health questions and the 595 Texas ones. The Texas button on this page opens practice in Texas mode:
- Texas rule groups in the topic picker.The four Texas groups sit beside the general topics, from agent licensing to HMO rules.
- The Texas portion on its own.A timed set of 30 Texas questions, the number the Texas portion scores.
- One full practice exam.100 general questions and 30 Texas questions in one practice exam, 150 minutes in total, with each part timed on its own.
- Mixed tests.Questions from the general bank and the Texas set, shuffled together.
Try three Texas life and health questions
Pick an answer to check it, then read the explanation. Each Texas explanation names the statute or rule section it relies on.
Question 1 of 3Texas L&H rules
In Texas, Priya applies for an original agent license. Several years ago she was placed on deferred adjudication for an offense listed in the Code of Criminal Procedure article governing offenses for which community supervision is unavailable, and she completed the term. She tells the department that deferred adjudication is not a conviction and cannot be considered. According to TDI rules, how may the department treat Priya's deferred adjudication?
- A. It may treat it as a basis to refuse the license, after notice and hearing.
- B. It may consider it only after Priya has held a license for one year.
- C. It may consider it only if the offense directly relates to insurance duties.
- D. It may not consider the deferred adjudication, because only a final conviction counts.
Show answer to question 1
Answer: A. It may treat it as a basis to refuse the license, after notice and hearing.
Under 28 TAC §1.502(d), the department may refuse to issue an original license if the applicant has been convicted of or placed on deferred adjudication for an offense listed in the Code of Criminal Procedure article, a sexually violent offense, or an offense directly related to the duties. The claim that only a final conviction counts is wrong because deferred adjudication is expressly included.
Question 2 of 3Texas life only
On April 1, an existing insurer receives an exchange request notice for Luis's annuity, but the notice is missing information needed to complete the exchange. The replacing insurer supplies the missing information on April 20. Under the Texas Insurance Code, when does the period for transferring the contract value begin?
- A. The fifth business day after April 1
- B. April 1, when the incomplete notice is first received
- C. April 20, when the existing insurer receives all required information
- D. The 30th business day after April 1
Show answer to question 2
Answer: C. April 20, when the existing insurer receives all required information
Under Tex. Ins. Code §1114.0541(f), when an exchange request notice does not include all required information, the transfer period does not begin until the day the existing insurer receives all required information from the replacing insurer or contract owner. Counting from April 1 would start the clock before the insurer had what it needed to complete the exchange.
Question 3 of 3Texas health only
An issuer in Texas has decided to stop making an approved Medicare supplement policy form available for purchase. All of the following statements about this discontinuance are true EXCEPT:
- A. After the commissioner receives the notice, the issuer must stop offering the form for sale in Texas.
- B. The discontinuance applies to the availability of the policy form or certificate form.
- C. The issuer must obtain the commissioner's approval before discontinuing the form.
- D. The issuer must give the commissioner written notice at least 30 days before discontinuing availability.
Show answer to question 3
Answer: C. The issuer must obtain the commissioner's approval before discontinuing the form.
Under 28 TAC §3.3322(e)(1), an issuer may discontinue the availability of a form if it provides its written decision to the commissioner at least 30 days before the discontinuance, and after receipt the issuer must no longer offer the form for sale in Texas. The rule requires notice to the commissioner, not the commissioner's prior approval, so the approval statement is false.
Texas lessons for life and health agents
11 lessons on the Texas portion, each tied to one group of rules in the outline.
- The Texas Department of Insurance: commissioner powers, investigations and penaltiesTexas L&H rules
- Texas insurers and life and health agent license typesTexas L&H rules
- Keeping a Texas agent license: exemptions, appointments, continuing education and disciplineTexas L&H rules
- Unfair claim settlement, misrepresentation and false advertising in TexasTexas L&H rules
- Rebating, fraud, discrimination, commission sharing and the guaranty associationTexas L&H rules
- Texas life insurance marketing and individual policy provisionsTexas life only
- Group life, credit life, replacement and nonforfeiture in TexasTexas life only
- Texas health policy rules: dependents, HIV testing and small employer plansTexas health only
- Medicare supplement and long-term care insurance rules in TexasTexas health only
- The Affordable Care Act for Texas agentsTexas health only
- Texas HMOs: evidence of coverage, enrollment, cancellation and claimsTexas HMOs
General and Texas practice, one plan.
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These are original practice questions written from the Pearson VUE Texas content outline and the laws and rules it lists. They are not actual exam questions. tests.global is not affiliated with or endorsed by the Texas Department of Insurance (TDI) or Pearson VUE. Fees, rules and dates can change; confirm them with TDI and Pearson VUE before you book.
Updated October 31, 2026.