Texas General Lines – Life, Accident and Health exam
Reviewed:
The Texas General Lines – Life, Accident and Health exam (InsTX-LAH05) has 130 scored questions: 100 on general insurance knowledge and 30 on Texas law, plus 15 unscored pretest questions. You get 150 minutes and need a scaled score of 70. The current content outline took effect on September 1, 2026.
What is the exam format?
| General Lines – Life, Accident and Health | Life Agent | |
|---|---|---|
| Exam code (English / Spanish) | InsTX-LAH05 / InsTX-LAH25 | InsTX-Life01 / InsTX-Life21 |
| Scored questions | 130 (100 general + 30 Texas law) | 80 (50 general + 30 Texas law) |
| Unscored pretest questions | 15, mixed in and not identified | 10, mixed in and not identified |
| Questions on screen | 145 | 90 |
| Time | 150 minutes (225 with approved ESL extra time) | 120 minutes (180 with approved ESL extra time) |
| Passing score | 70 on a 0–100 scaled score | 70 on a 0–100 scaled score |
| Exam fee (handbook fee table) | $49 | $39 |
| Covers health insurance | Yes, plus HMOs | No, life insurance and annuities only |
The passing score is 70 on a scaled score from 0 to 100. It is not 70 percent of the questions. The candidate handbook says the reported score “is neither the number of questions you answered correctly nor the percentage of questions you answered correctly.” Pearson VUE equates different forms of the exam, so the number of correct answers needed can change from one form to another, and it is not published.
You get one score for the whole exam, not one per part, and you leave the test center with your official score report.
Which license does this exam lead to?
Passing it is the exam step for the Texas General Lines – Life, Accident, Health and HMO agent license. It covers life insurance, annuities, accident and health insurance and HMOs. If you only want to sell life insurance and annuities, the shorter Life Agent exam leads to a separate Life Agent license, which does not cover health.
Texas does not have a health-only agent exam. For the steps after the exam (fingerprints and the application), see how to get a Texas insurance license.
Which topics are on the exam?
| Section | Topic | Part | questions |
|---|---|---|---|
| I | Types of policies | General knowledge | 15 |
| II | Policy riders, provisions, options, and exclusions | General knowledge | 15 |
| III | Completing the application, underwriting, and delivering the policies | General knowledge | 12 |
| IV | Retirement and other insurance concepts | General knowledge | 8 |
| V | Types of health policies (Types of policies) | General knowledge | 16 |
| VI | Policy provisions, clauses, and riders (health) | General knowledge | 15 |
| VII | Social insurance | General knowledge | 6 |
| VIII | Other insurance concepts (health) | General knowledge | 5 |
| IX | Field underwriting procedures | General knowledge | 8 |
| I | Texas statutes and rules common to life and health insurance | Texas law | 14 |
| II | Texas statutes and rules pertinent to life insurance only | Texas law | 6 |
| III | Texas statutes and rules pertinent to accident and health insurance only | Texas law | 7 |
| IV | Texas statutes and rules pertinent to Health Maintenance Organizations (HMOs) | Texas law | 3 |
Pearson VUE publishes the number of questions for each section only. It does not publish weights for the lettered subtopics.
How many people pass?
| Exam | In English | In Spanish |
|---|---|---|
| General Lines – Life, Accident and Health | 14,925 of 26,273 passed | 819 of 2,387 passed |
| Life Agent | 9,819 of 20,772 passed | 681 of 2,819 passed |
In 2025, a little more than half of first-time candidates passed the English exam, and about one in three passed the Spanish version. The report gives the numbers, not the reasons. These are results for all candidates, not for PolicyPass users.
Counting repeat attempts, 21,378 of 42,566 English exams and 1,525 of 4,488 Spanish exams were passed in 2025. Pearson VUE publishes these results every month.
Can I take it in Spanish?
Yes. The Spanish version is InsTX-LAH25. Ask for it when you book, and you can switch between Spanish and English at any moment during the exam. If English is your second language, you can request 1.5 times the time (225 minutes) before you book. Details: the Texas insurance exam in Spanish.
Common questions
- Do I need a pre-licensing course before the exam?
- TDI’s application page for this license lists the exam, fingerprints and the application. It does not list a pre-licensing course requirement. Many people take a course anyway.
- How many times can I retake it?
- The handbook says there is no limit to the number of attempts, and you can schedule a new exam within one day of failing. Each attempt has its own fee.
- Can I take it online?
- Pearson VUE’s Texas insurance page describes reserving a seat at a physical test center. It does not mention online testing for this program.
- How long is a passing result valid?
- You must submit your license application within one year of passing, or retake the exam.
Practice by topic
General knowledge
- Types of policies (Life, Accident and Health: 15 · Life Agent: 15 questions)
- Policy riders, provisions, options, and exclusions (Life, Accident and Health: 15 · Life Agent: 15 questions)
- Completing the application, underwriting, and delivering the policies (Life, Accident and Health: 12 · Life Agent: 12 questions)
- Retirement and other insurance concepts (Life, Accident and Health: 8 · Life Agent: 8 questions)
- Types of health policies (Types of policies) (Life, Accident and Health: 16 questions)
- Policy provisions, clauses, and riders (health) (Life, Accident and Health: 15 questions)
- Social insurance (Life, Accident and Health: 6 questions)
- Other insurance concepts (health) (Life, Accident and Health: 5 questions)
- Field underwriting procedures (Life, Accident and Health: 8 questions)
Texas law
- Texas statutes and rules common to life and health insurance (Life, Accident and Health: 14 · Life Agent: 20 questions)
- Texas statutes and rules pertinent to life insurance only (Life, Accident and Health: 6 · Life Agent: 10 questions)
- Texas statutes and rules pertinent to accident and health insurance only (Life, Accident and Health: 7 questions)
- Texas statutes and rules pertinent to Health Maintenance Organizations (HMOs) (Life, Accident and Health: 3 questions)
Sources
- Pearson VUE, Texas Insurance Content Outlines (#124401), effective September 1, 2026 (checked November 7, 2026)
- Pearson VUE, Texas Insurance Candidate Handbook (#124400) (checked November 7, 2026)
- Pearson VUE, Texas Department of Insurance (checked November 12, 2026)
- Pearson VUE, Texas Department of Insurance Examination Pass Rates: January–December 2025 (checked November 12, 2026)
- TDI, General lines – life, accident, health and HMO agent license (checked November 12, 2026; page updated November 2, 2026)
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