Free 20-question diagnostic for the Texas General Lines — Life, Accident and Health exam, scored by section with the reasoning behind every answer.
Start the free diagnosticThe Texas law section has 30 scored questions: 14 on rules common to life and health, 6 on life only, 7 on accident and health, and 3 on HMOs. The other 100 questions cover general life and health knowledge — types of policies, provisions and riders, underwriting, annuities, health plans and taxation.
Texas does not require a pre-licensing course: the path to a licence starts with the exam itself, so most candidates choose their own study material.
In 2025 the English-language Life, Accident and Health exam was taken 42,566 times in Texas, and half of those attempts failed. First-time candidates passed 57% of the time; those retaking it passed only 40% of the time. A common reason is re-reading the whole course instead of drilling the few sections that cost the points.
Four questions from the Retake Plan bank. Open each one to see the answer and the reasoning.
Answer: B. One month Texas Insurance Code § 1101.005 requires a grace period of at least one month, during which the policy stays in force. The insurer may charge interest on the late premium or deduct it from a death claim, but it may not treat the policy as lapsed.
Answer: A. 180 days Texas Insurance Code § 4001.155 sets the term at 180 days from issuance. No examination is required for it, but an agent, insurer or HMO must certify that it is considering the applicant for appointment and will supervise their training.
Answer: A. $100,000 per individual under one or more policies Cash value carries a lower cap than the $300,000 death benefit limit (Texas Insurance Code § 463.204). Health coverage has its own caps — $500,000 for health benefit plans, $300,000 for disability income or long-term care, $200,000 for other health coverage — and the non-guaranteed portion of a variable contract is not covered at all.
Answer: B. Ninety days of the loss or the end of the period for which benefits are claimed Ninety days is the rule, with an outer limit of roughly one year where the claimant could not reasonably comply. Notice of claim at twenty days and proof of loss at ninety are a favourite exam pairing.
See which sections are costing you points. Twenty questions, about eight minutes, scored by section — free, no signup to start.
Start the free diagnostic130 scored questions: 100 on general life and health knowledge and 30 on Texas law, according to the Pearson VUE content outline effective September 1, 2026.
In 2025, 57% of first-time candidates and 40% of repeat candidates passed the English-language General Lines — Life, Accident and Health exam (Pearson VUE report for the Texas Department of Insurance).
Yes. The Life Agent exam has 80 scored questions: 50 general and 30 on Texas law.
Sources: Pearson VUE, Texas Insurance Content Outlines, effective September 1, 2026; Pearson VUE, Texas Department of Insurance Examination Pass Rates, January–December 2025; Texas Department of Insurance, General lines – life, accident, health and HMO. Retake Plan is an independent study resource, not affiliated with any state insurance department, Pearson VUE or PSI.
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