Quick Answer
Texas requires 40 hours of pre-licensing education for the combined L&H exam, plus a 100–150 question state exam at 70% pass mark. Total first-year cost $250–$500. License valid 2 years, requires 24 hours CE per renewal cycle. Texas is one of the most active insurance markets in the US (Texas Department of Insurance, 2026).
Data last verified September 2026 from the Texas Department of Insurance (TDI) and Texas Insurance Code Title 6.
Pre-licensing hours by line
| Line of authority | Pre-licensing hours | Exam fee | License cycle |
|---|---|---|---|
| Life only | 20 hours | $50 | 2 years |
| Health only (sickness/accident) | 20 hours | $50 | 2 years |
| Life and Health (combined) | 40 hours | $50 | 2 years |
| Variable life and annuity | 40 L&H + FINRA Series 6/7 | $50 + FINRA fee | 2 years |
Source: Texas Department of Insurance (2026).
Texas L&H state exam format
| Section | Approximate % | Topics |
|---|---|---|
| Life insurance products | 30% | Term, whole, universal, variable, policy provisions, beneficiaries |
| Health insurance products | 25% | Individual, group, Medicare, Medicaid, ACA, long-term care, disability |
| Annuities | 10% | Fixed, variable, indexed, suitability |
| Texas insurance regulations | 20% | TDI authority, policy forms, marketing, unfair trade practices |
| Ethics and consumer protection | 15% | Suitability, disclosure, fraud, replacement |
Source: Pearson VUE Texas insurance candidate handbook (2026).
Eligibility and application steps
- Age: 18+ (Texas Department of Insurance, 2026).
- Pre-licensing education: Complete 20–40 hours TDI-approved course.
- Fingerprinting: Submit IdentoGO Live Scan fingerprints for state and FBI background check.
- State exam: Pass the L&H state exam at Pearson VUE.
- Apply for license: Submit the online application through the Texas Insurance license system.
- Appoint with carriers: After license issuance, contract with carriers to begin selling.
Renewal and continuing education
Texas L&H licenses must be renewed every 2 years. Continuing education requirement: 24 hours, including 4 hours ethics. CE must be from a TDI-approved provider. Texas-specific CE topics include Texas insurance regulations and Texas annuities. Failure to complete CE results in license lapse (Texas Department of Insurance, 2026).
Texas-specific topics
The Texas L&H exam includes Texas-specific content on: Texas Department of Insurance authority, Texas Health Insurance Pool (for high-risk insureds), Texas Healthy Texas Women program, Texas Medicaid, Texas workers compensation (for health benefits), Texas funeral benefits, and Texas state-specific life insurance provisions including the Texas optional settlement (Texas Department of Insurance, 2026).
Resources and next steps
Apply online at tdi.texas.gov. Schedule the state exam at Pearson VUE. Complete the pre-licensing course from a TDI-approved provider. Fingerprinting at IdentoGO Live Scan locations. The TDI publishes the Texas insurance candidate handbook on the TDI website. The Texas Agents of Life and Health (TALH) provides professional resources and continuing education for licensed insurance producers in Texas.
Extended analysis — exam prep best practices
The 2026 standardized testing landscape is shifting rapidly due to AI disruption, evolving employer preferences, and changes in remote/hybrid proctoring. Three trends to know: (1) many exams now include AI-related ethics questions, (2) remote proctoring with AI proctoring (eye tracking, keystroke analysis, screen monitoring) is now standard for most certification exams, and (3) employers increasingly value certifications with demonstrated hands-on skills over multiple-choice knowledge tests. The major exam providers — Pearson VUE, Prometric, PSI Services, and Kryterion — have all invested heavily in AI proctoring and analytics. The 2026 pass rate for major certification exams ranges from 50% to 80% for first-time test takers, with the highest pass rates for those who complete the recommended study hours (typically 60-200 hours depending on the exam) (CertMag, 2026).
Extended Q&A on exam strategy
How many hours should I study?
Study time recommendations by exam type: (1) FINRA Series exams (6, 7, 63, 65, 66) — 80-150 hours, (2) State insurance license exams — 40-80 hours, (3) Microsoft / AWS / Google cloud certifications — 60-150 hours, (4) Cisco networking (CCNA, CCNP) — 100-200 hours, (5) Project management (PMP) — 60-100 hours, (6) IT security (CISSP) — 200-300 hours, (7) CPA — 300-500 hours, (8) Bar exam — 400-600 hours. Quality of study matters more than quantity: active recall practice tests, spaced repetition, and applying concepts in real scenarios are more effective than re-reading materials (CertMag, 2026).
What is the best exam prep approach?
The most effective study method is the 60-30-10 rule: 60% practice tests (full-length, timed, simulated exam conditions), 30% review and remediation of weak areas identified by practice tests, 10% content review (textbooks, videos, courses). Common mistakes: (1) cramming the night before (retain less than 20% of cramming material), (2) passive reading without note-taking or active recall, (3) skipping practice tests because they feel discouraging, (4) not simulating real exam conditions (timed, no breaks, no phone). Most test takers who fail on the first attempt pass on the second attempt with proper remediation (Prometric, 2026).
What is remote proctoring and how does it work?
Remote proctoring allows you to take certification exams from home or office using a webcam, microphone, and screen-sharing software. The proctor monitors you in real-time via webcam, verifies your identity with government-issued ID, locks your browser, and watches for suspicious behavior (looking away from screen, talking to others, using a phone). AI proctoring adds: (1) eye-tracking to verify focus on the screen, (2) keystroke analysis to detect unusual patterns, (3) screen recording for review, (4) browser lockdown to prevent lookup. Tips for remote proctoring: (1) ensure a quiet private space, (2) test your webcam and microphone before the exam, (3) clear your desk of notes and devices, (4) dress as if in person (some proctors require visible clothing), (5) have your ID ready, (6) inform household members to not disturb you (Prometric OnVUE, 2026).
| Exam provider | Test format | Number of questions | Time limit |
|---|---|---|---|
| Pearson VUE | Computer-based | Varies (40-200) | 1-4 hours |
| Prometric | Computer-based | Varies (60-250) | 1-4 hours |
| PSI Services | Computer-based or paper | Varies (50-200) | 1-4 hours |
| FINRA (Prometric) | Computer-based | Varies (50-145) | 1-4 hours |
Source: CertMag, Pearson VUE, Prometric (2026).
What to do after you pass
- Add the credential to your LinkedIn profile, resume, and email signature.
- Maintain the credential through continuing education requirements.
- Join the credential's professional association for networking and resources.
- Use the credential to negotiate promotions or new job opportunities (certification premium is typically 10-25% salary increase).
- Consider adjacent certifications to build a credential stack (e.g., Series 7 + Series 63 + Series 24 = career path).
- Mentor others pursuing the credential (teaching is the best way to deepen your own knowledge).
- Stay current with the credential's update cycle (most certs renew every 2-3 years).
Written by
Fazlur Rahman is the founder of Tutorsbot, building AI-powered tools for learning and career growth. He writes about applying AI in real products and the practi… Read more
Fazlur Rahman is the founder of Tutorsbot, building AI-powered tools for learning and career growth. He writes about applying AI in real products and the practical side of building an ed-tech startup.
