Free Texas Insurance Exam Questions & Answers PDF - 1,086 Questions

Download the Texas PDF (212 pages, 1,086 questions)

Every question comes with its correct letter, a plain-English explanation and the Texas Insurance Code, Labor Code or Administrative Code section behind it. The questions are original practice questions written against the Pearson VUE content outline for Texas; they are not actual exam questions, and nothing in the file replaces the official candidate handbook.

If you searched for a Texas life and health insurance exam questions and answers PDF, this is the file: 1,086 practice questions in one download covering the Life Agent exam, the General Lines - Life, Accident and Health exam and the General Lines - Property and Casualty exam. The first 90 questions are the Texas-law questions from this site's Texas mock exams (30 life, 30 accident and health, 30 property and casualty), which is the part of the exam that a national study guide cannot teach you: the 30-question Texas section of each exam. The remaining 996 questions are the national banks for the three lines. No registration, no email, no watermark asking you to buy anything. Last updated September 2026.

What is in the Texas PDF

Order inside the file: a cover page with the exam facts below, then the 90 Texas-law questions grouped by line, then the national questions grouped by line, and last an answer key that gives the correct letter, the explanation and the citation for every question. Because the Texas section sits at the front you can print those pages alone and drill the state material in an evening.

Texas exam facts (verified September 2026)

Texas licenses through the Texas Department of Insurance (TDI) and tests through Pearson VUE. There is no health-only producer exam in Texas: Accident and Health authority comes from the combined Life, Accident and Health exam, and Property and Casualty is a single combined exam. Each exam has a general-knowledge part and a Texas state-specific part scored together.

The passing mark is a 70 scaled score on a 0-100 scale set by TDI; it is not the number or percentage of questions answered correctly, so do not assume 70% raw is enough on the day.

Prelicensing: none. Texas has no prelicensing education hours requirement; the handbook's general license requirements list only age 18+, passing the exam, application with fee, and fingerprint receipt.

Verified September 2026 from the Texas Insurance Licensing Candidate Handbook, October 2024 (#124400), Pearson VUE, with content outlines effective September 1, 2026 (#124401) - read the official Texas candidate handbook at Pearson VUE. If a figure here disagrees with the current handbook, the handbook is right.

The Texas law topics this PDF covers

Every Texas question cites the section it tests, so you can look the rule up in the Texas Insurance Code (TIC), the Texas Labor Code or Title 28 of the Texas Administrative Code (28 TAC, the TDI rules). Grouped by line:

Life (30 questions)

• Required individual policy provisions: the one-month grace period, two-year incontestability, settlement within two months of proof of death, misstatement of age and policy loans after three full years of premiums - Tex. Ins. Code 1101.005, 1101.006, 1101.011, 1101.008, 1101.009
• TDI policy-form rules: reinstatement within three years of default, no suit-limitation clause shorter than two years, and the six-month cap on backdating for a younger age - 28 TAC 4.611, 4.619, 4.620
• Replacement: the signed statement on existing coverage, the replacement notice, and the 30-day unconditional refund right - Tex. Ins. Code 1114.051, 1114.053
• Group life: the 31-day grace period, the two-employee minimum and the 31-day conversion window - Tex. Ins. Code 1131.103, 1131.204, 1131.110
• Texas Life and Health Insurance Guaranty Association caps for death benefits, annuity present value and cash surrender value - Tex. Ins. Code 463.204
• Licensing: the 180-day temporary license, appointment notice within 30 days, monthly reporting of address changes and administrative actions, renewing an expired license, and felony conviction as a ground for denial - Tex. Ins. Code 4001.155, 4001.202, 4001.252, 4003.007, 4005.101
• Continuing education: the 24-hour requirement, the ethics hours and the 20-year exemption - Tex. Ins. Code 4004.053, 4004.054, 4004.052; 28 TAC 19.1003
• Unfair trade practices: commissions only to licensed agents, why a policy dividend is not a rebate, and misrepresentation by omission - Tex. Ins. Code 4005.053, 541.056, 541.061
• Annuity suitability and the one-time annuity training course - Tex. Ins. Code 1115.052, 1115.056
• Exemption of life proceeds from creditors, and the 90-day interpleader duty when two people claim the proceeds - Tex. Ins. Code 1108.051, 542.058

Accident and health (30 questions)

• The Chapter 1201 required provisions for individual accident and health policies: grace periods by premium mode, reinstatement on the 45th day, 21-day notice of claim, 15-day claim forms, 91-day proof of loss, monthly payment of periodic benefits, autopsy at the insurer's expense, the 61-day and three-year limits on legal actions, and change of occupation - Tex. Ins. Code 1201.209 through 1201.219
• Dependents: 31 days of newborn coverage, the age-26 definition of a dependent child, and grandchildren under 25 - 28 TAC 3.3403; Tex. Ins. Code 1367.003, 1551.004, 1201.062
• Mandated chemical dependency coverage and its three-treatment-series lifetime limit - Tex. Ins. Code 1368.005, 1368.006
• Medicare supplement: the six-month preexisting-condition limit, guaranteed renewability and the 30-day return right - 28 TAC 3.3306; Tex. Ins. Code 1652.155
• Long-term care: the 12-month definition, the 30-day free look in the outline of coverage, and the ban on prior-hospitalization conditions - 28 TAC 3.3804, 3.3832, 3.3825
• HIV testing: the two-ELISA-plus-Western-Blot sequence before any adverse decision - 28 TAC 21.705, 21.704
• Small employer plans: the two-to-50 employee definition and the 100 percent participation rule for two-employee groups - Tex. Ins. Code 1501.002; 28 TAC 26.8
• HMO cancellation grounds - Tex. Ins. Code 843.208
• State continuation for employees not eligible for COBRA: three months of prior coverage and up to nine months of continuation - Tex. Ins. Code 1251.252, 1251.255
• Guaranty association cap for health benefit plan claims - Tex. Ins. Code 463.204
• Licensing questions shared with the life exam: the $25 limit on promotional items, the CLU exam exemption, and the birthday-based two-year license period - Tex. Ins. Code 4005.053(d), 1702.104, 4002.003, 4003.001

Property and casualty (30 questions)

• Cancellation and nonrenewal: 10-day notice on commercial policies, the 60-day initial-term rule, 60-day homeowners nonrenewal notice, three claims in three years, the 59-day personal auto rule and undisclosed hazards - Tex. Ins. Code 551.053, 551.052, 551.105, 551.107, 551.104; 28 TAC 5.7002
• Auto: the 30/60/25 financial responsibility minimums, written rejection of UM/UIM, the $2,500 PIP floor, the insured's choice of repair shop, and TAIPA's two-rejection rule - Tex. Transp. Code 601.072; Tex. Ins. Code 1952.101, 1952.153, 1952.301, 2151.102
• Residual property markets: two declinations for the Texas FAIR Plan, one declination for TWIA, and the one-year TWIA claim deadline - Tex. Ins. Code 2211.151, 2210.202, 2210.573
• The valued policy rule for a total fire loss on real property - Tex. Ins. Code 862.053
• Surplus lines: the diligent-effort requirement, the $15 million capital and surplus floor, and the 4.85 percent premium tax - Tex. Ins. Code 981.004, 981.057, 225.004
• Workers' compensation: benefits accruing on the eighth day, 70 percent temporary income benefits, the defenses a nonsubscriber loses, 30-day injury notice, the one-year claim deadline and notice of coverage at hiring - Tex. Labor Code 408.082, 408.103, 406.033, 409.001, 409.003, 406.005
• Prompt payment of claims: acknowledge within 15 days, pay within five business days, the 60-day delay trigger and 18 percent interest - Tex. Ins. Code 542.055, 542.057, 542.058, 542.060
• Texas Property and Casualty Insurance Guaranty Association and the $25,000 unearned premium cap - Tex. Ins. Code 462.202, 462.302
• File-and-use rate review - Tex. Ins. Code 2251.103

Sitting the Life, Accident and Health exam? Its Texas section draws on the life and the accident and health rules together, so work both of those sections here (60 questions).

Sample Texas questions with answers

Three questions reproduced from the answer key exactly as they appear in the file, one per line.

Question 1 (Life). In a Texas life insurance replacement, the replacing insurer must give the owner notice of the right to return the new policy for an unconditional full refund of all premiums within how long after delivery?

• A. 10 days
• B. 15 days
• C. 20 days
• D. 30 days

Answer: D. 30 days. Texas replacement law requires the replacing insurer to provide notice that the owner may return the new policy or contract within 30 days of delivery and receive an unconditional full refund of all premiums or considerations paid. This is longer than an ordinary free-look period and applies specifically to replacement transactions. See Tex. Ins. Code 1114.053.

Question 2 (Accident and health). A Texas employee who is not eligible for COBRA elects state continuation of her group health coverage. The continued coverage may remain in force for up to:

• A. nine months after the date she elects continuation
• B. six months after termination of employment
• C. 18 months after the qualifying event
• D. 36 months after the qualifying event

Answer: A. nine months after the date she elects continuation. State continuation lasts up to nine months after the date of election for persons not eligible for COBRA, and up to six additional months for those who have exhausted COBRA continuation. See Tex. Ins. Code 1251.255.

Question 3 (Property and casualty). Under Texas law, an insurer may refuse to renew a homeowners policy based on claims history only when the insured has filed how many claims within what period?

• A. Two claims in any two-year period
• B. Two claims in any three-year period
• C. Three claims in any three-year period
• D. Three claims in any five-year period

Answer: C. Three claims in any three-year period. An insurer may refuse to renew a standard fire, homeowners or farm and ranch owners policy when the insured has filed three or more claims under the policy in any three-year period. Claims from natural causes, claims filed but not paid, and certain water-damage claims do not count, and after two claims in three years the insurer must warn the insured that a third claim could trigger nonrenewal. A surcharge, not nonrenewal, is allowed after two claims in the preceding three policy years. See Tex. Ins. Code 551.107.

How to study with this PDF

1. Start with the Texas section for your exam and answer it on paper before reading the key: 30 questions for the Life Agent exam, 60 for Life, Accident and Health, 30 for Property and Casualty.
2. Texas questions turn on day counts and dollar caps that differ from the national material: 31 days for group life grace but "at least one month" for individual life, a 45th-day automatic reinstatement in health, 59 days on a personal auto policy but 60 on homeowners. Write each number you missed next to its code section; the exam asks for the number.
3. Take the timed Texas mock for your line online: life (90 questions in 120 minutes, like the Life Agent exam), accident and health or property and casualty (145 questions in 150 minutes, like the two General Lines exams). Each mixes the Texas-law questions into the national bank the way Pearson VUE does and explains every answer.
4. Remember the scaled score. Both parts of a Texas exam feed one 70 scaled score, so a strong national part will not carry a weak state part. Work the national sections of the PDF until you are consistently above 80% on the mock.
5. Life, Accident and Health candidates: read the Texas life and health exam guide for the 13 outline sections and their weights before you decide how to split your time.

Practice Texas questions online

• Texas life insurance practice exam - timed mock built to the Life Agent exam, with the 30 Texas-law questions
• Texas health insurance practice exam - timed mock built to the Life, Accident and Health exam length, with the 30 Texas-law questions
• Texas property and casualty practice exam - timed mock built to the General Lines - Property and Casualty exam, with the 30 Texas-law questions
• Texas life and health exam guide - the combined InsTX-LAH05 exam, its outline weights and how it differs from the Life Agent exam

Other free PDFs

If you only need the national material, the hub page lists the three line PDFs:

• Free insurance exam questions and answers PDF hub - life, health and P&C
• National life insurance PDF (306 questions)
• National health insurance PDF (300 questions)
• National property and casualty PDF (390 questions)

Download the Texas PDF (90 Texas-law questions + 996 national)

This PDF and the practice tests are an independent study resource, not affiliated with the Texas Department of Insurance or Pearson VUE. Confirm current licensing requirements, fees and exam details with TDI and the official candidate handbook before you book.