5 Reasons You Shouldn’t Rely on Practice Tests to Pass the Texas Life & Health Exam


man writing on notebook pen

If you’re thinking about getting your Texas Life & Health insurance license, you’ve already taken the first step toward a rewarding and stable career.

Life and health insurance agents are in high demand in Texas, and so are the “evergreen” products they sell.

Life and health agents have the important job of helping people prepare for the unexpected—from illness and accidents to the sudden loss of a family breadwinner. These insurance specialists carefully evaluate the needs of their clients and suggest the best insurance products to meet those needs.

What’s on the Texas Life & Health insurance exam?

You already know that to sell life and health insurance products in Texas, you need to be licensed by the state. To get licensed, you must pass the Texas Life & Health insurance exam. This combined exam will test your knowledge on a range of topics, including:

  • Life insurance general knowledge
  • Health insurance general knowledge
  • Types of life insurance policies
  • Types of health insurance policies
  • Life insurance policy provisions, riders, and clauses
  • Social insurance (Medicare, Medicaid, and Social Security)
  • Life insurance tax issues
  • Disability income
  • Annuities
  • Underwriting procedures
  • Annuity policy tax issues
  • Health insurance tax issues
  • State-specific life insurance laws/regulations
  • State specific health insurance laws/regulations

The exam is timed and monitored, and each student has a different set of questions.


There is no way to know the concepts and information on the exam without studying, so don’t rely on the test content outline alone. It simply provides an overview of what information will be covered on the exam.

This brings us to our main point—which is that you shouldn’t rely on practice quizzes to help you pass the Life & Health exam. Here’s why:

1: The Texas Life & Health insurance exam is challenging.

The Life & Health insurance exam is full of challenging terminology and concepts. You’ll see questions about things like “reinsurance,” “adverse selection,” and “The Doctrine of Adhesion.” There’s no way to know what these terms mean without studying.

There are two parts to the Life & Health exam: a general knowledge section and a state-specific section—and you need a score of at least 70% on both parts to pass.

2: Online practice tests are not comprehensive.

Plenty of websites claim to give students a quick and easy way to prepare for the exam. But taking random practice quizzes online is no substitute for a comprehensive exam prep course.

Memorizing questions and answers from practice tests simply doesn’t work. Each test is different and is designed to see if you really absorbed the required information. For that, you need to study.

3: An expert presenter can help you make sense of the information.

You wouldn’t take a seminar or a workshop with someone who had no experience on the topic, so why take chances with your insurance exam prep?

Insurance is full of jargon and tricky concepts. When the information is presented by an expert—someone skilled at making the information easy to understand—you’re more likely to absorb and retain the material.

America’s Professor courses use a combination of streaming lectures and a hard copy textbook to accommodate all learning styles. You’ll be able to see, hear, and read the information, and our courses are designed to prepare you for what you’ll actually see on the exam.

Plan to spend 35-40 hours studying to prepare for the Life & Health exam. The ideal time to start studying is around 3 weeks before your scheduled exam date.

To keep the information fresh in your mind, review what you’ve learned right up until the day of the exam. But avoid cramming a few days before the exam. Research shows it’s the worst way to study.

4: Retaking the exam is time consuming and expensive.

You need a score of 70% on both parts of the exam—the general knowledge section and the state-specific section. Your exam will be scored on site, so you’ll know right away whether you passed. But you will not be told which questions you got right or wrong.

If you don’t pass the exam, you’ll need to wait for the required period (usually 24-72 hours) to retake it. This means more time off from work or school, more studying, paying another exam fee, and possibly even additional travel and hotel expenses.

The best way to avoid this hassle and expense is to enroll in a comprehensive exam prep course and put yourself on a strict study schedule.

5: The faster you pass, the sooner you can start working and earning.

Devoting the time and energy into really learning the material will help you pass your exam on the first try.

And the sooner you pass your exam, get fingerprinted, and apply for your license, the sooner you’ll be on your way to an exciting new career as a life and health insurance agent!

Ready to Get Your Texas L&H License? Enroll in a Course with America’s Professor

Young woman working with a laptop on the wooden floor

Our study solutions are designed to help you easily absorb complex insurance concepts and terminology. When used correctly, our courses will improve your chances of passing your exam on the first try by more than 90%.

Each America’s Professor course includes:

  • Video lessons – Our comprehensive online insurance courses are available 24/7 on any device. Our streaming videos simulate live lectures but let you study at the pace that’s right for you.
  • Hard copy textbook – You’ll receive a comprehensive textbook by mail, which works in conjunction with the lecture videos.
  • 100-day online access – Most students find that 100 days is plenty of time to prepare. But if you need more time, simply call us and we will extend your access at no charge until you pass your exam.
  • Sample questions and practice exams – Practice tests reinforce the information in the video lectures and help you gauge how well you understand the material. If you score low on a practice exam, you’ll know where you need to keep studying.
  • Customer support – Our helpful customer support team is here to answer all your questions and make sure you have everything you need—right up until the day of your exam.

Enroll in a Texas insurance course today and be on your way to launching or expanding your career in the lucrative insurance industry!

Notify of
Inline Feedbacks
View all comments