Texas Insurance Life and Health Practice Exam
General Lines: Life, Accident, Health and HMO
General Lines: Life, Accident, Health and HMO is the standard Texas license for life and health. Texas has no separate health-only license, so this is the exam for anyone who plans to sell health coverage, and it carries life and annuity material alongside it.
- Questions
- 145
- Scored
- 130
- Time
- 150 min
- To pass
- a scaled score of 70
15 of those questions are unscored pretest items, mixed in without being marked. Answer every question as if it counts.
What exam day looks like
The exam is 145 questions in 150 minutes at a Pearson VUE test center. 130 questions are scored, 100 on general life and health material and 30 on Texas law, and the other 15 are unscored pretest items. You need a scaled score of 70, which is not the same as 70 percent correct.
Pearson VUE's published summary puts the first-time pass rate at roughly 56 percent. The figure is approximate and moves over time, but it shows the exam is not a formality.
| Part | Scored questions |
|---|---|
| General life, accident and health | 100 |
| Texas law | 30 |
| Pretest, unscored | 15 more |
What the Texas portion covers
Beyond licensing law and unfair practices, the Texas questions on this exam lean on the consumer protections TDI publishes: free look and grace periods on life policies, the contestable period, Medicare supplement open enrollment and guaranteed issue, long-term care free look rules, and how HMOs handle referrals, complaints and independent review.
Replacement and inducement rules show up here too. Replacing a policy mainly to earn a new commission, or offering something of value to win a sale, are the kinds of practices Texas law treats as violations.
After you pass
Apply to TDI within one year of passing, or the exam must be taken again. The application fee is about 50 dollars, and most applicants are fingerprinted through IdentoGO; check tdi.texas.gov for current fees. Appointments must be on file with TDI before you transact business.
Continuing education is 24 hours every two years, including 3 hours of ethics.
Common questions
- Can I get a health-only license instead?
- No. Texas does not issue a separate health license. Health authority comes in this combined license with life, accident and HMO lines.
- Do I need to take a course before the exam?
- Not for the permanent license. The exam is the requirement. Texas also has a one-time, 180-day temporary license that cannot be renewed and comes with its own conditions, so check TDI if you are considering it.
- Does any designation exempt me from this exam?
- Yes. TDI lists the CLU designation as an exemption from the General Lines LAH exam.
Related practice tests
Guides
Exam structure and requirements change. Confirm current figures with the state authority and the exam vendor before relying on anything here.