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.
Exam content outline
From the official TDI L&H content outline. Mock exams sample at these weights.
| Section | Weight | ≈ Questions |
|---|---|---|
| National-LH-I Life Policy Types | 12% | 12 |
| National-LH-II Life Policy Riders, Provisions, Options, Exclusions | 12% | 12 |
| National-LH-III Application, Underwriting, Delivery | 9% | 9 |
| National-LH-IV Retirement & Other Insurance Concepts | 6% | 6 |
| National-LH-V Health Policy Types | 12% | 12 |
| National-LH-VI Health Policy Provisions, Clauses, Riders | 12% | 12 |
| National-LH-VII Social Insurance | 5% | 5 |
| National-LH-VIII Other Health Insurance Concepts | 4% | 4 |
| National-LH-IX Field Underwriting Procedures | 6% | 6 |
| TX-LAH-SS-I TX Common to L&H | 10% | 10 |
| TX-LAH-SS-II TX Life Only | 7% | 7 |
| TX-LAH-SS-III TX A&H Only | 5% | 5 |
| TX-LAH-SS-IV TX HMO Only | 2% | 2 |
Sample questions
Items from our L&H bank, aligned to the TX TDI outline — see the difficulty and explanation depth.
Which rider allows a policyowner to purchase additional insurance without evidence of insurability?
A guaranteed insurability rider allows the policyowner to purchase additional coverage at specified ages or events without proving insurability.
Which type of life insurance provides coverage for a specified period and pays a benefit only if the insured dies during that period?
Term life insurance provides pure death benefit protection for a specified period (term).
Which annuity option pays a fixed benefit for the life of the annuitant, with no benefits paid after the annuitant dies?
A straight life annuity pays for the life of the annuitant only.
What is the typical grace period for a life insurance policy?
Most life insurance policies provide a 31-day grace period during which a premium may be paid without policy lapse.
In a health insurance policy with 80/20 coinsurance, after the deductible is met, what percentage of covered expenses does the insurer pay?
In an 80/20 coinsurance arrangement, the insurer pays 80% and the insured pays 20% of covered expenses after the deductible is satisfied.
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 lawTexas 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.