Confirm the credential
The exact Texas license is General Lines – Life, Accident, Health and HMO. Confirm that this authority matches the products and role you intend to pursue.
TEXAS LICENSING GUIDE · VERIFIED AUGUST 14, 2026
Texas life and health insurance exam and license path
Short answer: For the standard permanent Texas resident General Lines – Life, Accident, Health and HMO license, TDI lists three core steps: pass the state exam, complete the fingerprint process, and apply for the license within one year of passing. That standard route does not list mandatory prelicensing education, so a commercial course should be described as optional exam preparation unless a separate documented program applies.
Official sources: Texas Department of Insurance: General Lines Life, Accident, Health & HMO · Pearson VUE: Texas insurance candidate handbook
Prepare for the Texas General Lines – Life, Accident, Health and HMO path using current TDI and Pearson VUE instructions, including the September 2026 content-outline transition.
By NHP University Editorial Team · Review method · TDI and Pearson VUE sources reviewed August 14, 2026
THE PERMANENT RESIDENT ROUTE
How to get the Texas General Lines life and health license
This sequence describes the regular permanent individual resident-agent route. TDI publishes separate rules for nonresidents and a one-time temporary-license program.
Read the current exam materials
Use Pearson's Texas program page, candidate handbook, and the content outline for your actual test date. The handbook dated August 2026 distinguishes outlines used before September 1 from those used on or after September 1, 2026.
Prepare without mislabeling the course
TDI's standard permanent route does not list a mandatory prelicensing-hour requirement. Study materials can be useful, but Pearson states that neither it nor TDI endorses a particular set of materials.
Pass the state exam
Take the authorized General Lines Life, Accident & Health examination. TDI warns that a resident who applies before passing must submit a new application and pay the application fee again after passing.
Complete fingerprints
Begin through TDI's online initial-application and fingerprint portal to receive the service code and instructions. Most resident applicants need an IdentoGO fingerprint background check, though TDI lists exemptions.
Apply within one year
Use Sircon or NIPR after passing. TDI lists a $50 individual application fee and says an applicant who waits more than one year after the exam must retake it.
Sources for this section: Texas Department of Insurance: General Lines Life, Accident, Health & HMO · Pearson VUE: Texas insurance candidate handbook
CURRENT PEARSON VUE DETAILS
Texas life and health exam code, fee, time, and passing score
| Exam fact | Published detail | Planning note |
|---|---|---|
| English exam | InsTX-LAH05 — General Lines – Life, Accident & Health | Pearson's current handbook lists 150 minutes and a $49 fee |
| Spanish exam | InsTX-LAH25 — General Lines – Life, Accident & Health | Pearson lists the same 150-minute time and $49 fee |
| Passing score | Scaled score of 70 | Pearson says this is not the number or percentage of questions answered correctly |
| Application deadline | Within one year after passing | Missing the window means retaking the exam under TDI's current instructions |
| Individual application fee | $50 | Fingerprint and exam costs are separate; verify every fee before paying |
Sources for this section: Pearson VUE: Texas insurance candidate handbook · Texas Department of Insurance: General Lines Life, Accident, Health & HMO · NIPR: Texas licensing requirements
TEST DATE CONTROLS THE OUTLINE
The Texas insurance exam outline changes September 1, 2026
Pearson's August 2026 Texas candidate handbook provides one set of content outlines for exams taken before September 1, 2026, and another set for exams taken on or after that date. Choose the outline by scheduled test date, not by the date you bought a study product.
The exam combines general product knowledge with Texas-specific statutes and rules. Build a checklist directly from Pearson's applicable outline, map each topic to a current study source, and leave time for mixed practice. If a provider's outline or legal references do not match the applicable Pearson version, resolve the discrepancy before relying on them.
Download the live handbook
Do not rely on a saved copy from a recruiter, classmate, or old course. Pearson updates handbooks, policies, fees, and outlines.
Study both national and Texas content
Product knowledge alone is incomplete. The published outline also covers state licensing, appointments, marketing practices, continuing education, and other Texas rules.
Treat practice scores as diagnostics
A practice-test result does not predict or guarantee the licensing-exam result. Use missed topics to revise the plan rather than converting them into an income or employment promise.
Sources for this section: Pearson VUE: Texas insurance candidate handbook · Pearson VUE: Texas insurance licensing exams
PASSING IS NOT AN ACTIVE LICENSE
What to do after the Texas exam
Keep the score record
Confirm that the name and identifying information on the Pearson account are accurate, then retain the score report while TDI receives the result.
Follow the fingerprint portal
Use the TDI-issued service code and instructions. Do not substitute a generic background check for the process TDI requires.
Apply after passing
Submit through Sircon or NIPR within the one-year window and answer background questions fully. An application can require follow-up beyond the standard processing path.
Verify license and business authority
Check the license record before selling, soliciting, or negotiating insurance. Employer onboarding, carrier relationships, appointments, and product-specific training remain separate.
Sources for this section: Texas Department of Insurance: General Lines Life, Accident, Health & HMO · Pearson VUE: Texas insurance licensing exams · NIPR: Texas licensing requirements
COMMON QUESTIONS
Texas Life & Health Exam FAQ
Does Texas require a prelicensing course for the life and health exam?
TDI's current standard permanent resident route for General Lines – Life, Accident, Health and HMO lists the exam, fingerprints, and application but does not list mandatory prelicensing education. Exam prep is optional study support unless a different documented route applies.
What is the Texas General Lines life and health exam code?
Pearson's current handbook lists InsTX-LAH05 for the English General Lines – Life, Accident & Health exam and InsTX-LAH25 for Spanish.
How long is the Texas life and health exam?
Pearson currently lists 150 minutes for both the English and Spanish General Lines Life, Accident & Health exams. Recheck the live handbook before scheduling.
What score passes the Texas insurance exam?
The current Pearson handbook lists a scaled passing score of 70. It explicitly explains that the scaled score is not the raw number or percentage of questions answered correctly.
How soon must I apply after passing the Texas exam?
TDI says to submit the application within one year of passing. If you miss that deadline, you must retake the exam under the current process.
Does passing the Texas exam let me sell insurance immediately?
No. Passing is one licensing step. You still need the fingerprint process, application approval, an active license, and any employer, agency, carrier, appointment, or product requirements that apply.
VERIFY FIT BEFORE BUYING EDUCATION
Check NHP University's documented state coverage first.
Texas's standard permanent route does not make a commercial prelicensing course mandatory. Use NHP University's approval directory to identify finished, documented education options, and use TDI and Pearson as the controlling Texas sources.
Sources and important note
This guide is educational and does not guarantee a license, job, appointment, client, income, or regulatory outcome. Requirements and programs change; confirm current rules with the responsible regulator, agency, employer, exchange, or carrier.
- Texas Department of Insurance: General Lines Life, Accident, Health & HMO
- Pearson VUE: Texas insurance licensing exams
- Pearson VUE: Texas insurance candidate handbook
- Texas Department of Insurance: agent and adjuster licensing
- NIPR: Texas licensing requirements
Publication and revision record
Published 2026-08-14. Last modified 2026-08-14. TDI and Pearson VUE sources reviewed August 14, 2026.
Initial publication: reviewed the Texas exam, fingerprint, application, fee, and exam-prep boundaries against TDI and Pearson VUE sources.
See the editorial and corrections policy.