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TX • L&H

Texas Life & Health Insurance Exam — Practice Test & Study Guide

Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.

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Questions
100
scored items
Time limit
120 min
TDI format
Passing score
70%
raw or scaled
Pre-licensing
40h
required in TX

Exam content outline

From the official TDI L&H content outline. Mock exams sample at these weights.

SectionWeight≈ Questions
National-LH-I Life Policy Types12%12
National-LH-II Life Policy Riders, Provisions, Options, Exclusions12%12
National-LH-III Application, Underwriting, Delivery9%9
National-LH-IV Retirement & Other Insurance Concepts6%6
National-LH-V Health Policy Types12%12
National-LH-VI Health Policy Provisions, Clauses, Riders12%12
National-LH-VII Social Insurance5%5
National-LH-VIII Other Health Insurance Concepts4%4
National-LH-IX Field Underwriting Procedures6%6
TX-LAH-SS-I TX Common to L&H10%10
TX-LAH-SS-II TX Life Only7%7
TX-LAH-SS-III TX A&H Only5%5
TX-LAH-SS-IV TX HMO Only2%2

Sample questions

Items from our L&H bank, aligned to the TX TDI outline — see the difficulty and explanation depth.

Q1 • Health Policy Typesmedium

After purchasing a disability income policy, Maria must wait 90 days from the onset of a covered disability before she receives her first benefit check. This 90-day waiting period is BEST described as the:

AProbationary period — the time before a new insured becomes eligible for any coverage
BElimination period — a deductible measured in time that must pass after disability begins before benefits are paid
CGrace period — the time allowed to pay an overdue premium without lapse
DFree-look period — the time to return a policy for a full refund
Why

The elimination period is the time-deductible after disability onset before DI benefits begin; the probationary period applies before coverage is in force.

Q2 • Health Policy Typesmedium

A covered employee is laid off and elects COBRA continuation coverage. For how long is the employee entitled to continue group health coverage under federal COBRA rules?

A36 months, because job loss triggers the longer continuation period
B18 months, because job loss (involuntary or voluntary termination other than gross misconduct) is an 18-month qualifying event
C29 months, available only if the qualified beneficiary is determined disabled by SSA at the time of the qualifying event
D12 months, the standard continuation period for all COBRA qualifying events
Why

Job loss triggers 18 months of COBRA; 36 months applies to events like divorce, death, Medicare entitlement, or dependent aging off the plan.

Q3 • Application, Underwriting, Deliveryeasy

Under the NAIC Producer Licensing Model Act (#218) §11, an insurance producer license that has not been renewed by its expiration date generally:

ARemains valid for an additional 90-day grace period during which the producer may continue to transact insurance
BExpires and the producer may not transact insurance until reinstatement is completed
CAutomatically converts to a temporary license valid for one year
DMust be replaced by a new license obtained after re-taking the licensing examination
Why

Under §11, a lapsed license cannot be used to transact business — the producer must complete reinstatement before resuming activity.

Q4 • TX Life Onlymedium

Marta purchased an individual life insurance policy in Texas on January 1, 2023. She failed to disclose a prior hospitalization on her application. Marta dies on March 15, 2025. The insurer discovers the omission. Which of the following is correct under TIC §1101.006?

AThe insurer may rescind the policy and deny the claim because misrepresentation on the application is grounds for rescission at any time
BThe insurer must pay the death benefit; the policy is incontestable because more than 2 years elapsed from the issue date
CThe insurer may reduce the death benefit by the amount of the unpaid premium but cannot deny the claim outright
DThe insurer may contest the claim only if the misrepresentation was fraudulent, regardless of how much time has passed
Why

After 2 years from issue, the policy is incontestable; the March 2025 death falls outside the contestability window.

Q5 • Application, Underwriting, Deliverymedium

Under the NAIC Producer Licensing Model Act (#218) and the NAIC's recommended code of ethics for producers, a licensed producer who also serves as the trustee of a client's irrevocable life insurance trust (ILIT) while selling the underlying policy must:

ADisclose the dual capacity in writing and manage the conflict consistent with fiduciary duties owed to the trust beneficiaries
BTreat the trustee activity as wholly exempt from producer regulation because trust services are governed by separate state trust law
CDecline one of the two roles, because holding both producer and trustee capacity is per se prohibited under NAIC Model #218
DDisclose the arrangement only to the issuing insurer, with no corresponding duty of disclosure owed to the trust beneficiaries
Why

Dual capacity as producer and trustee is permitted but requires written conflict disclosure and adherence to trust-law fiduciary duties to beneficiaries.

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Texas state law module

State-specific laws and regulations make up 10–20% of the TX L&H exam. Our markdown-based state-law module walks through what TDI actually tests.

Read TX L&H state law

Texas L&H Exam FAQ

How many questions are on the TX L&H exam?

The Texas Life & Health licensing exam has 100 scored questions plus a few unscored pretest items. You have 120 minutes to complete it.

What's the passing score for TX L&H?

70% is the passing score in Texas, calculated against the scored question count. TDI reports results immediately at the test center.

How long should I study for the TX L&H exam?

Most L&H candidates spend 40–80 hours over 3–6 weeks. Start with the free diagnostic — it’ll tell you which sections to focus on instead of cramming the whole outline evenly.

Where do I take the Texas L&H exam?

TDI contracts with major proctored-exam vendors. Check the Texas Department of Insurance website for an up-to-date list of test centers in Texas.

Are these practice questions matched to the TX outline?

Yes — we follow the TDI content outline section by section, and our TX L&H bank includes 1,300 state-tagged items alongside the national NAIC content. Mock exams are composed from real section weights, not a generic question dump.

How much does EstatePass cost? Do I need a separate plan for L&H?

No — one EstatePass Pro plan covers Real Estate, Insurance License (L&H / P&C / Personal Lines), MLO, and Contractor exam prep. Free tier includes 20 practice answers/day and the diagnostic. Pro is $9.99/mo, $19.99/quarter, or $39.99 Lifetime — unlimited practice, mock exams, AI tier-3 explanations, and every channel.