Texas Insurance License
The Texas insurance license exam, in plain numbers.
Everything below is specific to Texas — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Texas
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 130 | 91 | 70% | 39 |
| Life only | 100 | 70 | 70% | 30 |
Administered by Pearson VUE for the Texas Department of Insurance. Time limit: 2 hours 30 minutes. Roughly 30 of the scored questions (23%) come from Texas law — the block national courses cover most lightly.
Prelicensing
Not required for the permanent license. Only the one-time 180-day temporary license path requires 40 hours of company training within 30 days.
Continuing education
24 hours per two-year license term including 3 hours of ethics, with at least half the hours in a classroom-equivalent format.
License term
2 years
Regulator
The Texas Department of Insurance oversees licensing, headed by appointed by the Governor.
Texas Life, Accident, Health and Hospital Service Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Texas policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $200,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Texas, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Texas insurance exam questions, answered
How many questions are on the Texas insurance license exam?
The combined life and health exam has 130 scored questions. You need 91 correct to pass at 70%, which means you can miss 39.
What is the passing score for the Texas insurance exam?
70%. That works out to 91 correct answers out of 130 scored questions.
Who administers the Texas insurance license exam?
Pearson VUE, on behalf of the Texas Department of Insurance.
Does Texas require prelicensing education?
Not required for the permanent license. Only the one-time 180-day temporary license path requires 40 hours of company training within 30 days.
How much continuing education does Texas require?
24 hours per two-year license term including 3 hours of ethics, with at least half the hours in a classroom-equivalent format.
Is there a Texas life-only or health-only exam?
Yes. Life only is 100 scored questions, 70 to pass.
How much does a Texas study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Texas Department of Insurance.