Failed the Texas exam? Two out of three Spanish-form takers do the first time.
In fiscal 2025, 1,673 of the 2,543 first-time takers of the Spanish life, accident and health exam did not pass. Most studied hard. What separates a second attempt that passes from one that does not is where the study time goes.
How retaking works
- You can book a new exam as soon as the next day; Texas sets no limit on attempts.
- Every attempt costs another $49, paid to Pearson VUE when you book.
- If you hold a temporary license, you do not need a new license application to retest while it is active.
- Once you pass, submit your license application within 12 months, or the pass expires.
Why people fail the Texas exam
Two sections cost the most points. The Texas law section (30 questions) is memorization of numbers national courses skip: a 180-day temporary license, 24 CE hours with 3 in ethics, the $25 promotional-item limit, 15-day and 15-business-day claim deadlines, guaranty association caps. The health policy provisions are the other: grace periods of 7, 10 and 31 days, 20 days for notice of claim, 90 days for proof of loss, 60 days before a lawsuit. Spanish speakers also lose points to wording, which is why every question here is written in both languages from the official Spanish terms.
The second-attempt plan
- Take a full diagnostic mock first, not to study but to find which of the 13 domains are below 70%.
- Spend most of your time on your three weakest domains. Points come from weaknesses, not from rereading strengths.
- Drill the Texas law domains until the numbers are automatic: 180 days, 24 and 3 hours, $25, $25,000, 15 days, 15 business days, 5 business days, $300,000.
- In the last week, take full timed simulations until you clear 80% twice, the margin that survives exam-day nerves.