Skip to main content
Lhexam

Texas · State licensing

Pass the Texas Life & Health insurance license exam.

Texas dropped its pre-licensing hour requirement in 2003, you can sit the exam without any classroom hours. That makes self-study with a strong question bank the rational play.

Quick answer: The Texas Life & Health insurance license exam is administered by Pearson VUE as a 150-question combined exam with a 180-minute limit, and you need 70% to pass. Texas does not require pre-licensing education before you sit. The exam fee is $64 per attempt.

Try the free Texas practice exam →

Quick facts

Testing vendor
Pearson VUE
Passing score
70%
Pre-licensing hours
Not required
Application fee
$50
Exam fee
$64 per attempt
Combined exam length
150 Q · 180 min

Source: www.tdi.texas.gov. Confirm before you register. State schedules change.

Live now

The Texas course is built and ready.

Full Texas state-law lessons, a Texas-tuned question bank, and full-length mock exams at the real 70% passing line. Start with the free 25-question readiness exam. No card.

  • Free 25-question, Texas-weighted readiness exam
  • State-law lessons written from Texas statute
  • Full mocks: 150 Q · 180 min · 70% to pass
  • An AI tutor that explains every wrong answer
Start the free Texas exam →See plans: $79 for Texas, or all states monthly

No card for the free exam. Full refund within 7 days if you haven't sat the exam.

What's on the Texas L&H exam.

The Texas L&H exam is administered by Pearson VUE. The combined exam runs 150 questions with a 180-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Texas.

Plan for roughly $154–$189 in mandatory Texas state and vendor fees before any study materials.

License application
$50
Exam fee
$64 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
Not required

A retake means paying the $64 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Texas exam FAQ.

Does Texas require pre-licensing hours for the L&H exam?
No. Texas has not mandated pre-licensing study hours since 2003. You can register for the exam directly through Pearson VUE.
What's the Texas L&H exam passing score?
70% scaled.
Who administers the Texas L&H exam?
Pearson VUE on behalf of the Texas Department of Insurance.
How long does it take to get a Texas insurance license?
Most candidates from application to licensed take 3-6 weeks. Pearson VUE exam slots are usually within a week.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.