TX L&H
Texas Life & Health Insurance License Exam
Texas regulates Life & Health producer licensing through Texas Department of Insurance (TDI), with the exam delivered by Pearson VUE. The combined Life & Health exam has 145 questions with a 150 minutes time limit. Passing requires a scaled score of 70 out of 100. The exam fee is $49. Texas does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for Texas, covering national concepts plus Texas statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
TX L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Texas Life & Health Insurance License Exam |
| Governing Body | Texas Department of Insurance (TDI) |
| Number of Questions | 145 |
| Time Limit | 150 minutes |
| Passing Score | a scaled score of 70 out of 100 |
| Exam Fee | $49 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Texas Department of Insurance (TDI) official website ↗ |
TX L&H Content Areas and Domains
Domain areas are sourced from the Texas Department of Insurance (TDI) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Texas insurance law and regulations
How C3RT Helps You Pass the TX L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the TX L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real TX L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample TX L&H Practice Questions
Q1.Under Texas insurance regulations, when is an individual accident and health insurance policy required to include a 'Relation of Earnings to Insurance' provision?
- When the total monthly loss of time benefits exceed the insured's monthly earnings or average monthly earnings for the preceding two years.Correct
- Benefits are always paid in full regardless of the insured's previous income level.
- Earnings are never considered when calculating the payout for a disability claim.
- Only when the policyholder is self-employed and has no documented history of prior earnings.
Texas law requires this provision specifically when total monthly benefits exceed the insured's previous earnings or two-year average. The other options incorrectly suggest that earnings are ignored or that benefits are always paid in full without consideration of income.
Q2.In Texas, if an insurance company wishes to include a unique definition of 'valid loss of time coverage' within the earnings relation provision, what is required by state regulation?
- No approval from the commissioner is needed.
- The definition must be approved by the commissioner.Correct
- The definition is approved by the insurer only.
- The definition must be filed with a local notary.
Texas regulations require that any specific definition of 'valid loss of time coverage' in an earnings relation provision must be approved by the commissioner. The other options are incorrect because insurers cannot unilaterally define these terms without oversight, and notarization is not the regulatory requirement.
Q3.In the state of Texas, if an insured individual moves from a low-risk office job to a high-risk construction position, how does the insurer adjust the disability income benefits?
- The policy is voided immediately.
- Full indemnity remains payable regardless of the change in occupation.
- The insurer pays only the portion of indemnity that the original premium would have purchased at the higher risk rate.Correct
- The insurer must provide a 60-day grace period before adjusting benefits.
In Texas, if an insured moves to a more hazardous occupation, the benefit is reduced to the amount the original premium would have bought at the higher risk rate. The policy is not voided, and full indemnity is no longer applicable due to the increased risk.
TX L&H Frequently Asked Questions
What does TX L&H stand for?
TX L&H stands for Texas Life & Health Insurance License Exam. It is administered by Texas Department of Insurance (TDI).
Who administers the TX L&H?
The Texas Life & Health Insurance License Exam (TX L&H) is administered by Texas Department of Insurance (TDI). For official information, visit the Texas Department of Insurance (TDI) website.
How many questions is the TX L&H?
The TX L&H consists of 145 questions. Candidates are given 150 minutes to complete the exam.
What is the passing score for the TX L&H?
The passing score for the TX L&H is a scaled score of 70 out of 100, as set by Texas Department of Insurance (TDI). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the TX L&H exam cost?
The TX L&H exam fee is $49. This fee is set by Texas Department of Insurance (TDI) and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Texas Life & Health exam?
The Texas combined Life & Health exam has 145 scored questions, a 150 minutes time limit, a $49 exam fee. Passing requires a scaled score of 70 out of 100. It is delivered by Pearson VUE.
Does Texas require prelicensing education for Life & Health?
No. Texas does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the Texas Life & Health exam?
Texas requires a scaled score of 70 out of 100 on the Life & Health exam. Confirm the current standard with Texas Department of Insurance (TDI), since passing standards can change.
Is the Life & Health exam different in Texas than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Texas tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Texas Department of Insurance (TDI).
C3RT is a native iOS and macOS exam preparation platform covering the Texas Life & Health Insurance License Exam (TX L&H), a Insurance Licensing certification, administered by Texas Department of Insurance (TDI). C3RT is not affiliated with or endorsed by Texas Department of Insurance (TDI). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Texas Department of Insurance (TDI) official website ↗ .