Texas Life, Accident and Health Agent Exam Pass Rate, Format & Study Guide

The Texas General Lines Life, Accident and Health agent exam (InsTX-LAH05) is the written examination required for the General Lines Life, Accident and Health Agent license in Texas. It has 130 questions and a 150 minutes time allowance, and it is administered under the Texas Department of Insurance (TDI); examination administered by Pearson VUE.

A Texas insurance license is required by state law to sell or solicit the covered lines of insurance. Passing the written exam is a required step before the department issues the license.

People preparing to become licensed insurance agents in Texas and candidates retaking the exam. Prelicensing education and application requirements are set by the state; check them before you schedule.

The certifying body does not publicly publish an official pass rate for this exam. Be wary of third-party sites citing a specific number here — treat any pass-rate claim you see elsewhere for this exam as unverified.

Fees are non-refundable and non-transferable. A passing result must be followed by a completed license application within 12 months, otherwise you must retake the examination.

Passing standard: The Texas handbook explains that results are reported on a scale on which 70 is the passing score; a score below 70 shows how close you came rather than the number or percentage of questions answered correctly. The exam has 130 questions with 150 minutes. No official pass rate for this exam was available in the sources we reviewed, so none is quoted here.

The exam has 130 questions with 150 minutes. Format: 130 questions · 150 minutes · exam code InsTX-LAH05 · scaled score with a passing score of 70. Passing standard: The Texas handbook explains that results are reported on a scale on which 70 is the passing score; a score below 70 shows how close you came rather than the number or percentage of questions answered correctly.

• Types of Life Insurance Policies11.54%
• Life Insurance Policy Riders, Provisions, Options, and Exclusions11.54%
• Completing the Application, Underwriting, and Delivering the Policy9.23%
• Retirement and Other Insurance Concepts6.15%
• Types of Health and Accident Insurance Policies12.31%
• Health Policy Provisions, Clauses, and Riders11.54%
• Social Insurance4.62%
• Other Insurance Concepts3.85%
• Field Underwriting Procedures6.15%
• Texas Statutes and Rules Common to Life and Health Insurance10.77%
• Texas Statutes and Rules Pertinent to Life Insurance Only4.62%
• Texas Statutes and Rules Pertinent to Accident and Health Insurance Only5.38%
• Texas Statutes and Rules Pertinent to Health Maintenance Organizations (HMOs)2.3%

The content outline spreads questions across 13 areas: Types of Life Insurance Policies (11.54%); Life Insurance Policy Riders, Provisions, Options, and Exclusions (11.54%); Completing the Application, Underwriting, and Delivering the Policy (9.23%); Retirement and Other Insurance Concepts (6.15%); Types of Health and Accident Insurance Policies (12.31%); Health Policy Provisions, Clauses, and Riders (11.54%); Social Insurance (4.62%); Other Insurance Concepts (3.85%); Field Underwriting Procedures (6.15%); Texas Statutes and Rules Common to Life and Health Insurance (10.77%); Texas Statutes and Rules Pertinent to Life Insurance Only (4.62%); Texas Statutes and Rules Pertinent to Accident and Health Insurance Only (5.38%); Texas Statutes and Rules Pertinent to Health Maintenance Organizations (HMOs) (2.3%).

Texas requires state-approved prelicensing education for most lines, fingerprinting and a TDI license application (US$50 per license type per the handbook); confirm the current requirements with the TDI before you schedule.

US$49 per examination attempt, paid to Pearson VUE when you reserve (Texas candidate handbook, Available Exams and Fees). License application fees, fingerprinting, prelicensing education and continuing education are separate.

After you are licensed, Texas requires periodic license renewal and continuing education on the department's schedule; check the department for the current hours and deadlines.

Start with the heaviest areas of the content outline: Types of Health and Accident Insurance Policies (12.31%); Types of Life Insurance Policies (11.54%); Life Insurance Policy Riders, Provisions, Options, and Exclusions (11.54%). Then work through the remaining areas, practise state-specific statutes and rules separately from the general content, and finish with timed full-length practice runs of 130 questions in 150 minutes.

Content outlines, fees and passing standards change; this guide follows the materials listed under Verification as of October 2026. Check the department and test administrator before you register.