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Written against the pinned Texas exam outline

Pass the Texas P&C exam the first time you sit it.

Practice questions written from the Texas exam content outline and checked against Texas law — line by line, by a second reviewer, with the citation attached to every answer.

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Real questions from the bank.

cited questions
202cited questions
items, timed like the real exam
145items, timed like the real exam
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$29once, not monthly

See what you will study · worked example

Policy Provisions and Contract Law (Property)

An applicant completes an application, makes the statements it requires, and pays the initial premium. The insurer then issues the policy. The applicant's premium payment and application statements supply which element of a legal contract?

  • Offer and acceptance
  • Legal purpose
  • ConsiderationCorrect
  • Competent parties

Consideration is the value each side gives up. The applicant gives the premium plus the representations made in the application; the insurer gives its promise to pay covered losses. Offer and acceptance is the exchange that forms the agreement. Legal purpose means the object of the contract is lawful. Competent parties means both sides have the legal capacity to contract.

Source

TX P&C General Knowledge outline III.N (Elements of a contract); Pearson VUE #124401 eff. 2025-12-01

  • Every answer cited to Texas law
  • Researched and checked by a second reviewer
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What the Texas P&C exam actually is

Read from the exam content outline this bank is written against, version 124401-2026-09-01. Not from a summary of it. Here is what changed in the September 2026 outline.

items on screen
145
130 of them are scored. The rest are unscored pretest items, and you are not told which.
on the clock
150 min
About 62 seconds an item if you spread it evenly.
scaled score to pass
70
A scaled score, not a percentage. There is no fixed published number of correct answers needed to pass.
Pearson VUE exam fee
$49
Paid directly to Pearson VUE for each exam attempt. Not a charge for our practice app. The license application fee is separate.

Our exam prep is a separate purchase

$29 once for six months of practice. The exam provider’s fee is not included.

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Sitting it is the middle of the process, not the start. What has to happen before you sit is a shorter list than most candidates expect, and the full route to the license sets out the order the department wants it done in.

Free sample · 1 of 10

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Read it, check the citation against the source yourself, then decide whether the rest is worth your time. That is the whole pitch.

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Policy Provisions and Contract Law (Property)

An applicant completes an application, makes the statements it requires, and pays the initial premium. The insurer then issues the policy. The applicant's premium payment and application statements supply which element of a legal contract?

  • Offer and acceptance
  • Legal purpose
  • ConsiderationCorrect
  • Competent parties

Consideration is the value each side gives up. The applicant gives the premium plus the representations made in the application; the insurer gives its promise to pay covered losses. Offer and acceptance is the exchange that forms the agreement. Legal purpose means the object of the contract is lawful. Competent parties means both sides have the legal capacity to contract.

Source

TX P&C General Knowledge outline III.N (Elements of a contract); Pearson VUE #124401 eff. 2025-12-01

Behind every question

Know where your answers come from.

From the exam outline to the source citation, here’s how a question earns its place in your practice.

  1. 01

    The outline

    Built around your exam

    Every question maps to a section of the Texas exam content outline, weighted the way the exam weights it.

  2. 02

    The review

    Checked against the source

    A second reviewer reads the source and signs off before a question reaches your practice.

  3. 03

    The citation

    See the source yourself

    Every explanation includes its primary source, so you can follow the citation and check the answer.

A note on source dates. A question’s citation records the edition used for its review. An earlier outline date does not mean a new review has taken place. See what changed in the current outline.

What is actually on the Texas exam

8 areas, each carrying the share of the exam its content outline gives it. Here is what we hold against every one of them.

  1. 1Types of Policies (Property)

    34 verified · 16.92% of the exam

  2. 2Insurance Terms and Related Concepts (Property)

    23 verified · 11.54% of the exam

  3. 3Policy Provisions and Contract Law (Property)

    22 verified · 10% of the exam

  4. 4Types of Policies, Bonds, and Related Terms (Casualty)

    35 verified · 17.69% of the exam

  5. 5Insurance Terms and Related Concepts (Casualty)

    23 verified · 11.54% of the exam

  6. 6Policy Provisions (Casualty)

    19 verified · 9.23% of the exam

  7. 7Texas Statutes and Rules Common to Property and Casualty Insurance

    28 verified · 13.85% of the exam

  8. 8Texas Statutes and Rules Pertinent to Property and Casualty Insurance

    18 verified · 9.23% of the exam

202 verified questions across the 8 areas. Try a few of them free, or read what a Texas P&C sitting looks like before you decide how to study for it. Counts are read from the bank itself, so this list is what exists today, not what is planned.

Weights tell you what a section is worth, not what it asks. Read what each section actually covers, domain by domain.

Before you can sit for it

The order matters, and getting it wrong costs a fee rather than a week. This is the short version of Texas's own sequence.

  1. 1

    Pass the licensing exam

    TDI lists taking the exam as the first step, and states that you must pass the state licensing exam before applying for a resident agent license.

  2. 2

    Check whether you are exempt from the exam

    TDI lists three situations in which you do not need to take an exam: your license has been expired for more than 90 days but less than one year; you do not live in Texas but hold a license in good standing in a reciprocal state; or you hold the Chartered Property and Casualty Underwriter designation.

  3. 3

    Get a fingerprint background check

    TDI states that you must begin the application process on its online initial application and fingerprint portal to receive your fingerprint service code and instructions.

  4. 4

    Complete fingerprints, then apply within a year of passing

    TDI's order is explicit: pass the exam, complete your fingerprints, then use the Sircon or National Insurance Producer Registry website to apply.

The full Texas licensing route carries the rest of the sequence, the fees as the department gives them, and what it does not say.

The question everyone asks first

No pre-licensing course is listed for the standard license

TDI's application page for the general lines property and casualty license sets out its steps — exam, fingerprints, application, fee — and does not list a pre-licensing education course among them.

Read what Texas does and does not require

Sources

Licensing rules change. Always confirm against the official pages above before acting. This is exam preparation, not legal or licensing advice.

What $29 gets you

202 verified questions

Weighted like the real exam, cited like a textbook.

Timed full simulators

145 items on the real clock, so test day is a repeat.

Domain drills

Ten focused minutes on the one of 8 domains you keep missing.

A readiness score

It moves as you practice, weighted by area. Book when it says you are ready.

Walk in knowing, not hoping

The score moves as you practice, weighted by domain, so it tells you which areas are still carrying risk. Book the exam when it says you are ready.

One price

$29once · six months of access

Sitting the Texas exam costs $49 every attempt, plus another Saturday. About 41% of first-time candidates do not pass, so a good many pay it twice — the published pass rates.

See pricing
Is this only Texas P&C?
Yes. That is the point — one state, one exam, done properly.
How long is the exam, and how many questions?
145 items in 150 minutes. Passing requires a scaled score of 70, not a fixed percentage correct. What a sitting looks like
Do I need an account for the sample?
No. 10 real questions from the bank, with answers and sources, on a page with no signup. Open the free questions
Does it work on my phone?
Built phone first, timed simulators included.
Does Texas require pre-licensing education for a property and casualty license?
The Texas Department of Insurance's application page for the general lines property and casualty license does not list a pre-licensing education course among its steps. Because that is an absence rather than an explicit statement, confirm it with TDI before relying on it. The pre-licensing rules in full
What happens if I wait too long after passing the exam?
The Texas Department of Insurance states that the application must be submitted within one year of passing the exam, otherwise the exam must be retaken. The whole licensing route

More on the Texas exam

Property & casualty practice test

What the Texas P&C exam actually looks like, and how to prepare for it.

Free practice questions

Real questions with answers and explanations. No account needed.

How to get licensed

The steps to a Texas general lines property and casualty license.

Pre-licensing requirements

What training is and is not required before you sit.

An elephant never forgets. Neither will you.

Start with 10 questions. Decide after that.

Try 10 questions freeWhat the exam looks like