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How to pass the Texas Insurance Licensing Exam

Preparing for Texas insurance licensing exam

Are you considering getting an insurance license in the state of Texas? If you are, then you probably have a lot of questions about where to go, who to talk to and what to do. Fortunately, America’s Professor has pulled together all  of our knowledge and resources to create one comprehensive site with the answers you require. Below you will find sample questions, basics of test format and scoring, pricing, testing locations, how to fully prepare yourself for the exam and more!

We’re here to help you succeed and that means providing you with the best information available. Our courses offer preparation for all types of state insurance licensing exams and they are available to you at the click of a mouse. Read on and enroll today!

 

State of Texas

What kind of questions do they put on the Texas insurance test?

 

All of the Texas insurance exam questions are multiple choice. There are no fill-ins (no need to memorize) and no essay (no need to be ready to explain anything) questions.

For example:

texas sample questions

A multiple choice test will usually test heavily on definitions (terminology) and numbers (dollar amounts and number of days).

The exam is drawn from a large pool of questions – you will have a different set of questions than the person sitting next to you. If you retake the exam, expect to see very few of the questions repeated on the next exam. Students report that the exams vary greatly in terms of the number of questions on any given topic.

Students report that about 1/3 of the questions are terminology (definitional) questions, 1/3 are number/day questions, and 1/3 are questions where you have to apply the knowledge to reason through a practical situation (story problems – usually short).

 

What score do I need to pass the Texas insurance exam?

 

In Texas, you need a score of 70 to pass each exam. But, each exam consists of two parts – the “national” insurance section and the “state rules” section. The national and state questions are mixed together in Texas. You will need a combined score of 70 to pass.

 

Are questions grouped by category?

 

Our students always want to know if the questions regarding indemnification (for example) are grouped together. No, questions and topics are randomly scrambled, but that never seems to be a problem for anyone.

 

What insurance exams are given in Texas and what do they cost?

Texas Pearson VUE Insurance Exams and Time Allotted

* Please be sure to check Pearson VUE’s Texas Candidate Handbook (located here) for updates. Personal checks and cash will not be accepted.

 

How many questions are on the Texas insurance exam?

 

The Texas General Lines Property and Casualty exam has  150 questions. The break down is 100 scoreable + 20 pretest questions on national/general content and 25 scoreable + 5 pretest questions on Texas state specific content.

The Texas Property and Casualty Adjuster exam has  150 questions. The break down is 150 scoreable questions on national/general Texas state specific content. Please note: In Texas, Adjusters can either go to an approved Adjuster school and pass the school’s exam (highly recommended for real world experience) or they can prepare for, and pass, the Pearson VUE exam. 

The Texas General Lines Life, Annuities and Health exam has  150 questions. The break down is 100 scoreable + 20 pretest questions on national/general content and 25 scoreable + 5 pretest questions on Texas state specific content.

The Texas Life Only exam has  100 questions. The break down is 50 scoreable + 10 pretest questions on national/general content and 35 scoreable + 5 pretest questions on Texas state specific content.

The Texas Personal Lines exam has 116 questions. The break down is 75 scoreable + 11 pretest questions on national/general content and 25 scoreable + 5 pretest questions on Texas state specific content.

Pretest questions do not count towards your score. You will not know what questions are real or pre-test questions when taking your exam. It’s very possible the pre-test questions will not even be covered in the Test Content Outline. It’s very important to know that these pre-test questions will be in your exam so you don’t start second guessing yourself when you see a question that you have no idea how to answer (make your best guess and stay calm!).

 

Where can I take the Texas insurance exam?

Texas Pearson VUE Testing Locations

*Locations and schedules are subject to change. Please call 1-888-754-7667 for up-to-date information. Please be sure to check Pearson VUE’s Texas Candidate Handbook (located here) for updates.

 

How do I sign up to take the Texas insurance exam?

 

We recommend that you call Pearson VUE (the testing company) at 1-888-754-7667. Be sure to call at least 3 days in advance of the date you plan to take the exam. The earlier you sign up, the better your chances of getting the test date of your choice.

 

How much is the Texas insurance license fee?

 

The Texas Department of Insurance charges $50 per license type (ex. General Lines-Property & Casualty or General Lines-Life, Accident & Health), or $150 for a temporary license.

 

How do I sign up for fingerprinting/background check and what is the fee?

 

You must schedule a fingerprint appointment by visiting http://www.identogo.com or by calling 1-888-467-2080. The electronic fingerprint fee is $41.45 (may vary).

 

Which Texas insurance test is the toughest?

 

Each insurance licensing exam presents its own challenge. Between Life and Accident & Health portion of the exam, students say that the Texas Accident & Health portion of the insurance exam is the more difficult. Accident & Health insurance policies are simply more complicated than life insurance policies.

The Property portion of the insurance exam is easier than the Casualty portion of the insurance exam (Property and Casualty can not be taken separately). Property insurance deals with easy to understand issues – fire, flooding, earthquake, etc. On the other hand, Casualty insurance deals primarily with Liability insurance – protection against lawsuits. Casualty insurance is a more conceptual topic and one that is more difficult for students to grasp – particularly if you have never been sued.

The state portion of the Texas insurance exam is very detailed and presents its own challenges. The state topics tend to cover trivial details relating to complicated state regulations. None of this is easy, but that is why we work so hard to make the material both understandable and memorable.

This is a challenging exam. Put yourself on a strict schedule as you do your exam prep work. Be focused and disciplined as you do your insurance test prep.

 

Will I have adequate time to complete the Texas insurance test?

 

Yes. We rarely have students say that they ran out of time to complete the exam. Most students finish in about half of the allotted time (see graph above). If English is not your first language you can request extra time by filling out Pearson VUE’s English as a Second Language (ESL) Request Form. Keep in mind that this form needs to be submitted to Pearson VUE, and approved, before scheduling your exam. You will also need to submit a a letter (on official letterhead) from an instructor, like America’s Professor, or employer that verifies English is your second language. 

 

Is the Texas insurance exam still given by the “paper and pencil” method?

 

No, this is a computerized exam. Virtually all of the students say the proctors were helpful, the room was quiet, and the computer worked well. The proctors will give you the opportunity to complete a practice exam to learn how to use the system. When you are done, you will NOT be given a copy of the exam, nor will you be given the opportunity to review particular questions and their answers. The exam will be scored immediately and you will know your results when you leave.

 

What is the best test prep method for the Texas insurance exam?

 

There is no alternative to knowing the material. There are no shortcuts to learning but there are more effective and less frustrating ways to learn. We recommend that you follow a 4-step process:
  • watch and listen to the lecture;
  • highlight key concepts in the text;
  • review questions in the test bank; and
  • send AP an email if you have any questions.
video courses onlinesample questions
Texas Online Video CoursesTexas Insurance Sample Questions

Helpful Links:

General Insurance License Exam Information:

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Justin
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Justin

Hello, I am just a little bit confused, the Fee for General Lines: Life Accident and Health is 62 dollars on the chart. But you list that the Texas Department of Insurance charges 50 dollars per license type. Is that a total of 112 dollars to take the exam?

Thanks

Eva
Guest
Eva

Hello,

I have a 2010 kaplan edition Property and Casualty Insurance book. i know that there has been some changes in March 2016 here in Houston that went effective September 2016. Do i need a newer version of Kaplan? do i need a State Law Supplement also?

I appreciate your help.

Thank you

James
Guest
James

I am needing advice on the correct study material for the general lines: life, accident and health insurance exam I am taking this April.

InsTX-LAH05: General Lines – Life, Accident and Health (English)

A
Guest
A

I never had problems with testing. My test had been scheduled twice but I feel like their testing receptionist are being discriminated toward me for being rude. I don’t get to test, I lose the cost, and emotional damage. All the hard work I put in studying just got crumbled making me don’t want to continue. Unfortunately, I have a company behind me. Than, they find fault with me regarding my name change. I wasn’t informed properly the first time on April 10, 2017. My company rescheduled me for April 17, 2017, and the same thing happens. Now, I can’t… Read more »

Shelbie
Guest
Shelbie

Can you go an take classes? instead of online and text books.

Frank W Smith
Guest
Frank W Smith

Well I have finished my Life and Health and my Texas Manual. I have passed all of my course tests and have my test date for This coming Tuesday June 20th. I feel confident and continue to review. Any suggestions as far as my final review process? A little nervous because I see the failure rate for 1st timers is abut 33%. Even larger for re-testers.
Thanks.

Teresa
Guest
Teresa

I absolutely loved the professor for my general lines P N C for Texas. I need thoughts now for Texas Life and health license. Thank you.

al
Guest
al

if I need ESL what I need to prove them? as English is my 2nd language

Christina Cooper
Guest
Christina Cooper

I need material to study for property and casualty in Texas.

Ashley
Guest
Ashley

Hello,
I’m a current owner of a small trucking Texas company.
I am interested in offering trucking insurance in my office.
What study category does that fall in?

Eric
Guest
Eric

Hi, how often can you take the property and casualty tests!?

Thank you

Tony
Guest
Tony

What Study material do I need and where can I get it in order to take my insurance state exam ?

Leigh Lusignan
Guest
Leigh Lusignan

I am currently a licensed independent Health and Life Insurance agent. I would like to become a licensed Property & Casualty agent. Can you suggest the quickest and easiest way to do so? What study material is required and is anything accessible through the internet?

gina
Guest
gina

How long can we access the course material after purchase?

Bianca
Guest
Bianca

I am currently in the process of getting my license in Texas as this is where I reside majority of time but occasionally fly to AZ for some business as well. I know AZ test is a producers life 1331 I’m having trouble finding which licensing exam I need to take for Texas as this where I will be at majority of the time

Jose Camara
Guest
Jose Camara

Hi,

I currently work as an estimator in a body shop.

What license do I need for an adjuster?

Thank you

AP
Guest
AP

I’m taking my test January 27,2018. Do I need to purchase the study materials exactly 45 days prior or can I purchase now and utilize them until my upcoming test? (even though it’s more than 45 days in advance)

Thanks 🙂

ELSA F CARDENAS
Guest
ELSA F CARDENAS

hello i am looking to get my license for insurance the company i work for is aware that i have a home school diploma will i need to get my GED in order to get licensed in the state of texas?

Lorie
Guest
Lorie

If I am a teacher and have been finger printed for my job do I need to get finger printed again with the correct paperwork for this or can I just use something from HR?

Angie L Gonzalez
Guest
Angie L Gonzalez

I want to open my own ins co with that being said I just need to take this test and I’m ready?

Angie L Gonzalez
Guest
Angie L Gonzalez

How and where do I get a producer lic?

Jenna
Guest
Jenna

Hello I have a question I studying for the Texas personal lines Property and Casualty exam only to find out that I needed to take the Texas General lines Property and Casualty exam I have scheduled the general lines test for next Wednesday my question is is it that much different than the personal lines Property and Casualty exam?

Mari Holguin
Guest
Mari Holguin

Hello, my name is Mary. Just to be clear the General lines is known as the PNC and the personal is also known as the limited lines.

Sonia
Guest
Sonia

I want yo begin to sell car insurances I don’t hsve any idea where to begin

John De Hyun
Guest
John De Hyun

Are you guaranteed I will pass the exam, and If I will be failed, so that I will get the full refund?

Anna
Guest
Anna

I am wanting to get a P&C license in Texas..is it just one course to take..I read about pre-licenses that then require further courses and another test

Dominic
Guest
Dominic

Hi, I need Life, Accident, Health, Property & Casualty. Does that mean that I will need to take two exams or is there one exam that covers everything?

Oli
Guest
Oli

Hello, according to someone I can’t take only the life insurance test in Texas. The person stated that I need to take both the Life & Health test since it’s Texas. Is this true?

Also is the “life Agent test ” the same as “Life Insurance only”?

And, do I need to get my fingerprint before I take the exam or can I do it after I take the test ?

Carolina
Guest
Carolina

Can I get the exam (insurance license) in Spanish ?

Christina Gauna
Guest
Christina Gauna

I have a couple of felony convictions on my record. Does this automatically exclude me from getting licensed in the state of Texas?

Mohammed
Guest
Mohammed

Hi, how can I be licensed broker represents
many insurance companies to sell car insurances . how can I get this license and where in Houston . thanks

latasha lee
Guest
latasha lee

I am going for a job as a representative this company services property & casualty which exam would I need because if I have my license before I get the job offer I will get paid more

chasity hoch
Guest
chasity hoch

how do i get information to study for the pearson vue insurance licences. im trying to get my insurance licences to sell insurance

trackback

[…] America’s Professor […]

Will Dickey
Guest
Will Dickey

Hi, I wanted to let you know that I passed my Texas General lines – life, accident, health and HMO on Friday with a 95! Now I am going to apply for my license, but I am not really clear on the difference in agent and agency licenses. Can you help clarify? BTW great training material!!

Lindsay
Guest
Lindsay

I am new to this test. I don’t know the test I will need. I want to do property and casualty. I already have a company that wants to hire me wants I am licensed

Anabelle
Guest
Anabelle

Hi,

Can I take the Life Agent exam on my own or I have to be affiliated with a broker or insurance company? What are the requirements to take the exam? Can I take it just to see where am at at decide later whether I want to apply for a license?

Ruby
Guest
Ruby

hi quick question am little confuse on General Lines Life, Accident and Health (Ins TX-LAH05) is this one test by it self and the cost $62 dollars and how would i find it to purchase the test ….. And is General Lines Property & Casualty (Ins TX PC06) seperate test that cost $62 dollars too and what code do I use to purchase the exam. Or they are 2 in one ???? N if there seperated would i have to schedual for both at same time or seperated…and what are codes for each exams so i can purchase …… Can… Read more »

Jacqueline Garza
Guest
Jacqueline Garza

Hello,
I am a licensed P&C agent since September 2018. Thanks to American Professor I passed. 🙂 I’m now restudying the P&C material and the Texas Fire supplemental for All Lines Adjusters license. (I hope this is suffice.)

Also, do I need to get fingerprinted again if I just did for the P&C license?

zelna wallace
Guest
zelna wallace

Why do the life/health insurance test have questions different from the pearson guideline prepare to test for passing. Is no where like the material you have study for………making the selected answer to chose from confusing and make you unless lucky to answer…this is not fair.I had the test near completion of passing until I run into these set of confusing line of questions and making it very hard to guess the answer. It seems you got this test set up for the average person have to take the test more that 3 times to pass for even a 70.

nahiskar gil
Guest
nahiskar gil

Hello! Do I have to be 18 and older to take the exam? Because I have seen that you have to be 18 and older to apply for the license, but I have not read anything about being 18 and older to take the exam OR do your background check.

sarai
Guest
sarai

hi I. I move from California I do have the personal line what I have to do to change my license to texas? And also I want to keep to get the proportien end casualties and haelth and life licenses. Do I have to do a test agent for the personal line?

Nader Serrieh
Guest
Nader Serrieh

Hello

I would like to get all the licenses possible and take all the exams above but I need to start somewhere first as I am completely new to this.

How does your website work? And how much time will this take?

I want to study to sell property insurance(business and personal) , car insurance and life insurance to start! And then possibly study to take everything else!

Hope to hear from you soon.

Thank you

Katie Staudt
Guest
Katie Staudt

so…. I have to go to one of the locations to just take the test? or is it a class I have to take also.

Cliff Gardner
Guest
Cliff Gardner

What is the name of the test for a Life only license? Not a Group I license for Life, Accident, Health, etc. Thanks!

trackback

[…] Insurance exams are an important step in becoming a licensed insurance salesperson, so getting prepared and ready to take the exam is a good investment. No matter if you are going for a Life and Health, Auto, Property, or any other lines of insurance license, the four prep tips will help you get ready for a Texas insurance license exam. […]

IAtoTX
Guest
IAtoTX

I’m not sure where to start. I’m currently a claim examiner in Iowa wanting to move to Dallas, TX. I’m seeing positions that require Texas licensing. Im here because I want to get a Texas license but I don’t know which one to choose. What would be the best one to begin with to make myself the most marketable.


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