The Texas Life, Accident & Health Exam, Explained (2026)
The General Lines Life, Accident and Health license lets you sell life insurance, annuities, health insurance and HMO plans in Texas. You get it by passing a Pearson VUE exam for the Texas Department of Insurance, offered in English (InsTX-LAH05) and Spanish (InsTX-LAH25). Here is every number that matters, current to the outline effective September 1, 2026.
Exam facts
| Scored questions | 130: 100 general knowledge plus 30 Texas law (and 15 unscored pretest questions, 145 on screen) |
| Time limit | 150 minutes |
| Passing score | A scaled score of 70 |
| Exam fee | $49 per attempt, paid to Pearson VUE |
| Retakes | No limit on attempts; a retake can be booked the next day |
| First-time pass rate | 57.7% overall and 34.2% on the Spanish form (TDI, fiscal 2025) |
| Languages | English or Spanish; on the Spanish form you can switch any question to English |
| After passing | Apply to TDI within 12 months, or you must retake the exam |
Official content outline — where the points are
30 of the 130 scored questions (23%) are Texas statutes and rules, the section national study guides cover worst. Weights below are the outline's own question counts.
See where you stand before you pay
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How hard is the Texas life and health exam?
In fiscal 2025, 57.7% of first-time takers passed overall, but only 34.2% of the 2,543 people who took the Spanish form passed on the first try. The Texas law section and the health provisions decide most results.
Can I take the Texas insurance exam in Spanish?
Yes. Tell Pearson VUE when you book. The Spanish form costs the same $49, and you can switch any question to English during the exam.
What happens if I fail?
You can book a new exam the next day, with no limit on attempts, but each attempt costs another $49.
How long is my passing score good for?
You must submit a complete license application within 12 months of passing, or you have to retake the exam.