Texas Life Agent exam
Reviewed:
The Texas Life Agent exam (InsTX-Life01) has 80 scored questions: 50 on life insurance and annuities and 30 on Texas law, plus 10 unscored pretest questions. You get 120 minutes and need a scaled score of 70. It does not cover health insurance.
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.
Life Agent or Life, Accident and Health?
Both exams share the same four general sections on life insurance and annuities. The Life Agent exam drops the five health sections, and its Texas law part puts more weight on the rules common to life and health (20 questions instead of 14) and on life-only rules (10 instead of 6).
The Life Agent license lets you sell life insurance and annuities. To sell health insurance too, TDI requires the General Lines – Life, Accident, Health and HMO license, which has its own exam: Life, Accident and Health exam.
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 |
| I | Texas statutes and rules common to life and health insurance | Texas law | 20 |
| II | Texas statutes and rules pertinent to life insurance only | Texas law | 10 |
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 under half of first-time candidates passed the English Life Agent exam, and about one in four passed the Spanish version. These are results for all candidates, not for PolicyPass users, and the report does not explain the gap.
Can I take it in Spanish?
Yes, as InsTX-Life21. You can switch between Spanish and English during the exam, and ask for extra time if English is your second language (180 minutes). See the exam in Spanish.
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)
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)
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, Life agent license (checked November 12, 2026; page updated April 17, 2026)
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