Question 1VI.B · Other provisions and clauses
Sergei has already met his deductible this year. His plan pays 70 percent of covered expenses. He has a $2,400 covered bill. How much does he pay?
Is the life and health insurance exam hard?
It is broad rather than deep. 145 questions in 150 minutes cover life policies, annuities, health plans, Medicare, taxes and Texas law, and the two parts are scored as one exam, so a weak area pulls the whole score down.
| Questions | 145 multiple choice: 130 scored and 15 pretest |
|---|---|
| Parts | General knowledge (110) and Texas law (35), scored as one exam |
| Time | 150 minutes |
| Passing score | 70 on a scale of 0 to 100 |
What makes it hard
- Breadth: the general section alone has nine outline sections, from annuity payout options to coordination of benefits.
- Close terms: representations and warranties, cancelable and guaranteed renewable, elimination and probationary periods. A question often turns on one word.
- Numbers: grace periods, claim deadlines, COBRA months and simple coinsurance arithmetic.
- State law: 30 of the 130 scored questions are on the Texas Insurance Code, which general study guides do not cover.
- Pretest questions: 15 of the 145 do not count, and you cannot tell which.
What makes it easier
The Texas Department of Insurance publishes the content outline with the number of questions from every section, so you know where the marks are. There is no penalty for a wrong answer, and a candidate who does not pass can schedule a new exam within one day.
How to prepare
Learn the outline section by section, then practice under time. Start with the free diagnostic: your score in each area shows where to begin. This is exam practice, not approved pre-licensing education.
Try 3 questions
Question 2II.B · Policy provisions and options
A whole life policy lapses for nonpayment, and the owner never chose a nonforfeiture option. Which option usually applies automatically?
Question 3TX.I.D · Marketing practices
An agency posts an online ad claiming its plans "cover every medical cost with no limits," which is untrue. Which unfair practice in Chapter 541 does this fit?
Next step
The Texas Department of Insurance license page, with the handbook and content outlines
Questions people ask
How many questions are on the life and health insurance exam in Texas?
145: 100 scored and 10 pretest questions in the general section, and 30 scored and 5 pretest questions in the Texas section.
How long is the Texas life and health exam?
150 minutes for the General Lines - Life, Accident and Health exam.
What score do you need to pass?
A scaled score of 70. Scaled scores run from 0 to 100, and 70 is not the same as 70% of questions right.
How many times can you take the exam?
The candidate handbook sets no limit on attempts, and a candidate who failed can schedule a new exam within one day.