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.
An employee earning $100,000 deferred 6% of pay into her 401(k) only in her third and final year of service; the plan matches 50% of the first 6% of compensation. She leaves after 3 years of service under the 2-to-6 year graded vesting schedule. How much of the employer match may she keep?
Employer match = $3,000 (50% × 6% × $100K); 3 years under 2-to-6 graded = 40% vested = $1,200.
Which feature is the defining characteristic of a renewable term life insurance policy?
Renewable term guarantees renewal without medical exam, but each renewal brings higher premiums.
TIC §541.060 prohibits unfair settlement practices. Which of the following is NOT listed as a prohibited act under that section?
Canceling within the free-look period is a policy administration rule, not a §541.060 settlement practice prohibition.
The primary difference between a Family Income Rider and a Family Maintenance Rider is timing of income payments. Which statement correctly describes the Family Income Rider?
Family Income Rider income runs to the end of the rider's term from policy issue; later death = shorter income period.
Under TIC §84.022, unless another insurance law sets a different amount, the Commissioner's administrative penalty for a violation of the Insurance Code may not exceed how much?
TIC §84.022 caps the general administrative penalty at $25,000 per violation unless another insurance law sets a different amount.
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 long is the TX L&H exam?
Texas Department of Insurance allows 150 minutes for the Texas Life & Health exam. The state does not publish a scored-question count. Our mock exam runs 100 questions in 120 minutes.
What's the passing score for TX L&H?
undefined% 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 1,214 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.