What's on the Texas Life and Health Exam: Topic by Topic Study Guide

If you are asking what's on the Texas Life and Health exam, you are asking the right question. Most people who struggle did not study too little. They studied the wrong things, or they gave a small topic the same time as a big one.

The good news is that Pearson VUE publishes the answer. The Texas content outline lists every topic area and how many scored questions each one carries. This guide walks through that outline in plain English, section by section, so you know where the points are before you open a single flashcard.

Numbers here come from the Pearson VUE Texas Insurance Content Outlines effective September 1, 2026, and the Texas Insurance Licensing Candidate Handbook. Pearson can update the outline, so open the live PDF before you lock your study calendar.

Want to see where you stand first? Take the free timed practice test at getlicensedtx.com/diagnostic. It takes the guesswork out of which sections below need the most time.

Quick answer: the exam at a glance

The exam most people call Texas Life and Health is officially General Lines Life, Accident and Health. The English exam code is InsTX-LAH05 and the Spanish version is InsTX-LAH25.

It has 145 questions in 150 minutes. Of those, 130 are scored and 15 are unscored pretest questions. You will not know which ones are pretest, so treat every question as real.

The scored questions split into two parts:

General knowledge: 100 scored questions, plus 10 pretest. About half is life insurance and half is accident and health.

Texas law: 30 scored questions, plus 5 pretest. These cover the Texas Insurance Code and Texas Administrative Code rules.

Pearson scores the exam as a whole. Passing is a scaled score of 70. For a deeper look at counts and pacing, see getlicensedtx.com/articles/how-many-questions-texas-life-health-exam.

Texas Life and Health exam content outline by the numbers

Here is the full outline with the scored question count for each area. This is the single most useful table for planning your study time.

Life insurance general knowledge (50 scored)

Types of policies: 15

Policy riders, provisions, options, and exclusions: 15

Completing the application, underwriting, and delivering the policy: 12

Retirement and other insurance concepts: 8

Accident and health general knowledge (50 scored)

Types of policies: 16

Policy provisions, clauses, and riders: 15

Social insurance: 6

Other insurance concepts: 5

Field underwriting procedures: 8

Texas statutes and rules (30 scored)

Rules common to life and health: 14

Rules for life insurance only: 6

Rules for accident and health only: 7

Rules for HMOs: 3

Look at the pattern. Policy types and policy provisions together carry 61 of the 130 scored questions. Texas rules common to both lines carry 14 more. Those three buckets are where most of your hours should go.

Life insurance topics on the exam

The life half of the general knowledge section has 50 scored questions. Here is what each area asks you to know.

Types of policies (15 questions). Know whole life, including ordinary whole life, limited pay, and single premium. Know the interest sensitive and market sensitive products: universal life, variable whole life, variable universal life, interest sensitive whole life, and indexed life. Know term life types: level, decreasing, return of premium, and annually renewable, plus renewable and convertible features. Annuities live here too: single and flexible premium, immediate and deferred, fixed, variable, and indexed, the accumulation and annuity periods, and payout options. Finish with joint life (first to die) and survivorship life (second to die).

Policy riders, provisions, options, and exclusions (15 questions). Riders include waiver of premium, guaranteed insurability, payor benefit, accidental death and dismemberment, term riders, other insureds, long term care, return of premium, disability, and cost of living. Provisions include entire contract, insuring clause, free look, consideration, and owner's rights. Beneficiary designations get real attention: primary and contingent, revocable and irrevocable, common disaster, minor beneficiaries, and designation by class. Also know premium modes, grace period, automatic premium loan, reinstatement, policy loans and withdrawals, nonforfeiture options, dividend options, incontestability, assignments, suicide, misstatement of age and gender, settlement options, accelerated death benefits, and exclusions like war and aviation.

Completing the application, underwriting, and delivering the policy (12 questions). This is the "how a sale actually works" section. Required signatures, changes to the application, incomplete applications, warranties and representations, collecting the first premium and issuing the receipt, replacement, and point of sale disclosures like HIPAA and HIV consent. It also covers the USA PATRIOT Act, anti money laundering, and Gramm Leach Bliley privacy. Underwriting topics include insurable interest, medical information, the Fair Credit Reporting Act, risk classification, and STOLI. Then policy delivery, when coverage begins, and contract law: offer and acceptance, consideration, competent parties, legal purpose, and the unique traits of insurance contracts (conditional, unilateral, adhesion, aleatory).

Retirement and other insurance concepts (8 questions). Third party ownership, life settlements, group life (conversion, contributory and noncontributory), qualified and nonqualified retirement plans, needs analysis and suitability (including key person and buy sell), Social Security benefits, tax treatment of premiums, proceeds, and dividends, and modified endowment contracts.

If you are only taking the Life Agent exam, this half matters most. Not sure which exam you need? See getlicensedtx.com/articles/life-vs-life-and-health-texas.

Accident and health topics on the exam

The health half also carries 50 scored questions. It feels harder to many people because the vocabulary is newer to them.

Types of policies (16 questions). Disability income (individual, business overhead expense, business disability buyout, group, key employee). Accidental death and dismemberment. Medical expense coverage: basic hospital, medical, and surgical, major medical, HMOs, PPOs, POS plans, FSAs, HDHPs with HSAs, and HRAs. Medicare supplement. Group insurance, including how group differs from individual and COBRA. Long term care eligibility and levels of care. Then the smaller policies: dental, vision, cancer, critical illness, worksite, hospital indemnity, short term medical, and accident only.

Policy provisions, clauses, and riders (15 questions). The mandatory and optional provisions show up often: entire contract, time limit on certain defenses, grace period, reinstatement, notice of claim, claim forms, proof of loss, time and payment of claims, physical exam and autopsy, legal actions, change of beneficiary, misstatement of age, change of occupation, illegal occupation, and relation of earnings to insurance. Also know the insuring clause, free look, consideration clause, probationary and elimination periods, waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles, copays, prior approval, usual reasonable and customary charges, and benefit maximums. Riders include impairment, guaranteed insurability, and future increase option. Finish with renewability: noncancelable, cancelable, and guaranteed renewable.

Social insurance (6 questions). Medicare Parts A, B, C, and D, Medicaid, and Social Security benefits.

Other insurance concepts (5 questions). Total, partial, recurrent, and residual disability. Owner's rights, dependent children benefits, beneficiaries, premium modes, coordination of benefits, occupational versus nonoccupational coverage, tax treatment of disability and medical premiums, managed care, workers compensation, and subrogation.

Field underwriting procedures (8 questions). Completing the application, sources of insurability and HIPAA privacy (MIB and the Fair Credit Reporting Act), the first premium and receipt, submitting the application, policy delivery, and explaining provisions and ratings to clients.

Texas law topics on the exam

The Texas section has 30 scored questions. People skip it because it feels dry. That is a mistake. Thirty questions is almost a quarter of your scored total.

Rules common to life and health (14 questions). The Commissioner of Insurance: powers, examination of records, investigations and hearings, penalties, and cease and desist orders. Insurance definitions: certificate of authority, transacting insurance, foreign, domestic, and alien insurers, stock and mutual companies, and fraternals. Licensing: agent and agency licenses, nonresident and temporary licenses, exemptions, appointment, continuing education, records, license denial, renewal and expiration, and termination, revocation, and suspension. What you must report to TDI, like a change of address, felony convictions, and administrative actions. Marketing practices: unfair claims practices, false advertising, misrepresentation, defamation, rebating, fraud, boycott and coercion, commingling, and unfair discrimination. Commission sharing. The Texas Life and Health Guaranty Association.

Rules for life insurance only (6 questions). Advertising and illustrations, the policy summary and buyer's guide, individual life and annuity provisions (free look, grace period, policy loans, incontestability, reinstatement, misstatement of age, beneficiary designation, and more), group life rules, credit life, replacement duties for agents and insurers, and the nonforfeiture law.

Rules for accident and health only (7 questions). Coverage for newborns, the definition of dependent, chemical dependency coverage, Medicare supplement minimum standards and cancellation, AIDS testing rules, long term care, small group health eligibility and benefits, and the Affordable Care Act (marketplace, subsidies, essential health benefits, and employer notice duties).

HMO rules (3 questions). Definitions, evidence of coverage, nonrenewal and cancellation, enrollment, and out of network claims.

A simple tip: Texas rule questions often test one fact, like a number of days or who must notify whom. Make a short list of those facts and review it daily during your last week.

How to study the outline without wasting time

You do not need to memorize every line of the outline. You need to be solid where the questions are, and good enough everywhere else.

Here is a study order that matches the weight:

1. Take a timed baseline. Do this first, before any reading. It tells you which of the sections above are already fine and which are weak. Start free at getlicensedtx.com/diagnostic.

2. Start with policy types. Life and health policy types together carry 31 scored questions. Learn the products before the provisions, because provisions make more sense once you know what they attach to.

3. Move to provisions and riders. Another 30 scored questions. Use small sets of practice questions, then review every miss.

4. Add Texas rules early, not last. Spread the 30 Texas questions across your weeks. Cramming them the night before rarely sticks.

5. Fill in the smaller sections. Underwriting, retirement concepts, social insurance, and other concepts add up to 39 questions. They are smaller one by one, but together they matter.

6. Drill your weak areas. After each timed set, go back to the two weakest topics. More on this method at getlicensedtx.com/articles/practice-weak-areas-texas-life.

7. Finish with full timed practice. 145 questions in 150 minutes is about one minute per question. Practice that pace so it feels normal on test day.

Common mistakes when studying for this exam

Studying a national book with no Texas section. The general knowledge part is similar across states, but the 30 Texas questions are not. Make sure your prep covers Texas law.

Spending equal time on every topic. Social insurance has 6 scored questions. Health policy types has 16. Give each one time that fits.

Reading without practicing. Reading feels productive. Answering questions shows you what you actually know. Mix both every session.

Ignoring the Spanish option. If Spanish is your stronger language, the Spanish version of the exam costs the same and covers the same outline. You can switch between Spanish and English during a Spanish exam.

Booking before you are ready. Each attempt has its own fee. If your practice scores are not steady yet, give it another week. If you already failed once, start at getlicensedtx.com/articles/texas-life-health-exam-retake-guide.

How GetLicensedTX helps you cover the outline

GetLicensedTX is Texas Life and Health exam prep built around this outline. You get 1,000+ Pearson VUE style practice questions, weak area drills that send you back to the topics you miss most, and an AI Study Tutor that explains answers in English and Spanish when a topic will not click.

Start with the free timed practice test at getlicensedtx.com/diagnostic. When you are ready for full access, Texas Life and Health prep is from $12.99/mo, or $69 lifetime. See getlicensedtx.com/pricing.

Before test day, grab the free exam day checklist PDF at getlicensedtx.com/free-exam-day-checklist, and read getlicensedtx.com/articles/texas-life-exam-day-tips so check in goes smoothly.

After the exam

Passing is one step. After that come fingerprints, your TDI application, and carrier appointments. The full path is in getlicensedtx.com/articles/texas-life-health-exam-overview. For fingerprints, see getlicensedtx.com/articles/texas-insurance-fingerprinting-identogo.