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Texas Life & Health practice exam

Practice for the Texas Life & Health licensing exam under real exam conditions.

10 free questions

The real thing, answered and explained. No account, no email.

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The real exam, at a glance

administers the exam
Pearson VUE
questions (130 scored, 15 unscored)
145
minutes, one sitting
150
scaled score to pass
70

Written against Pearson VUE outline 124401-2026-09-01.

Sources, checked 20 October 2026
  • Texas Life & Health examination content outline (124401), the content outline and the exam format figures this page states (question counts, time limit and, where the vendor publishes one, the passing score); the exam fee is set by the testing vendor or the state, so check the current figure with Pearson VUE. Checked 20 October 2026.

Try a question

This is how every answer is explained.

  1. Texas Statutes and Rules Common to Life and Health Insurance

    1.A life insurer's advertisement for a universal life policy calls part of each premium a 'deposit.' Under the Texas rule on life insurance and annuity advertising, when may the advertisement use that word for a portion of the premium?

    Choose an answer to see the explanation.

Try all 10 free questions

What's included

Full-length timed exams

145 questions in 150 minutes, weighted the way the content outline weights them.

A verified question bank

458 questions, every answer explained and cited to the statute, rule or policy form it rests on.

Topic quizzes

Short sets on whatever you're weakest at.

Readiness score

It moves as you practice, weighted by topic. Book the real exam when it says you are ready.

What is actually on the Texas Life & Health exam

13 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 (Life)

    36 verified · 11.54% of the exam

  2. 10Texas Statutes and Rules Common to Life and Health Insurance

    39 verified · 10.77% of the exam

  3. 11Texas Statutes and Rules Pertinent to Life Insurance Only

    18 verified · 4.62% of the exam

  4. 12Texas Statutes and Rules Pertinent to Accident and Health Insurance Only

    28 verified · 5.38% of the exam

  5. 13Texas Statutes and Rules Pertinent to Health Maintenance Organizations (HMOs)

    13 verified · 2.31% of the exam

  6. 2Policy Riders, Provisions, Options, and Exclusions

    34 verified · 11.54% of the exam

  7. 3Completing the Application, Underwriting, and Delivering the Policies

    50 verified · 9.23% of the exam

  8. 4Retirement and Other Insurance Concepts

    43 verified · 6.15% of the exam

  9. 5Types of Policies (Health)

    79 verified · 12.31% of the exam

  10. 6Policy Provisions, Clauses, and Riders

    38 verified · 11.54% of the exam

  11. 7Social Insurance

    32 verified · 4.62% of the exam

  12. 8Other Insurance Concepts

    40 verified · 3.85% of the exam

  13. 9Field Underwriting Procedures

    8 verified · 6.15% of the exam

458 verified questions across the 13 areas. Try a few of them free, or read what a Texas Life & Health 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.

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Texas Life & Health questions

How many questions are on the Texas Life & Health exam?
The exam presents 145 questions, of which 130 are scored. The remainder are unscored pretest items that do not affect your result.
How long is the Texas Life & Health exam?
You have 150 minutes.
What score do you need to pass?
A scaled score of 70. This is not a percentage or a fixed number of correct answers. Practice percentages do not predict your official scaled score.
How much does the Texas exam cost?
Pearson VUE sets the exam fee and can change it, so we do not print a figure here. Check the current fee in the candidate bulletin or handbook from Pearson VUE before you book. It is charged again for each attempt.
Who administers the exam?
Pearson VUE, on behalf of the state.
Are these practice questions the real exam questions?
No. Every question is original work written against the published exam content outline. Reproducing live exam questions would be both unlawful and useless preparation.
How do I know when I am ready?
A readiness score tracks your accuracy in each exam area, weighted the way the published content outline weights them. It stays hidden until you have answered enough questions across enough areas for it to mean anything.
Can I use it on my phone?
Yes. Everything works in your phone's browser, with no app to install.
How do refunds work?
Email us within 7 days of purchase for a full refund. No forms.

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