Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states and DC.

How many questions are included in the practice tests?

We offer over 1300 practice questions - 401 for Life, 400 for Health, and 534 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Is there a free insurance license practice test for my state?

Yes. Every state page offers a free insurance license practice test in three modes - a timed mock exam that mirrors your state's real question count and time limit, an instant-feedback quiz, and review mode - for Life, Health, and Property & Casualty. No account is needed.

Do you have a life and health insurance practice exam?

Yes. The life and health exam page covers the states that test both lines in one sitting (Texas, Ohio, Georgia, Florida and New York) with verified exam facts, and links to both practice banks so you can prepare for the combined exam.

After a Texas life insurer receives proof of the insured's death and of the claimant's right to the proceeds, the policy must provide that settlement will be made no later than when?

Two months after receipt of proof

A mother buys a whole life policy on her 8-year-old daughter and adds a payor benefit rider, naming herself as payor. The mother dies when the child is 12. What does the rider do?

It waives the premiums on the child's policy, keeping it in force until the child reaches the age specified in the rider

It pays the policy's face amount immediately to the child's guardian

It cancels the policy and refunds all premiums paid to the mother's estate

It converts the juvenile policy into term insurance on the guardian's life

Roberto owns a whole life policy with both a waiver of premium rider and a disability income rider. He becomes totally disabled and satisfies each rider's waiting period. How do the two riders respond differently?

Waiver of premium keeps the policy in force without premium payments, while the disability income rider pays him a monthly income, typically limited to a percentage of the face amount

Both riders pay him identical monthly cash benefits

The disability income rider waives his premiums, while waiver of premium pays him monthly income

Both riders merely suspend the policy until he recovers, with no cash paid and no coverage in force

Chloe, age 27 and newly licensed as an architect, can afford only modest coverage today but expects to need much more insurance as she marries and has children. She wants to lock in the right to buy that future coverage even if she later develops a serious illness. Which rider should her producer recommend?

The guaranteed insurability rider, permitting additional purchases at specified dates or events with no new evidence of insurability

The accidental death benefit rider

The cost of living rider, which adjusts coverage only for inflation

The accelerated death benefit rider

Beth's participating whole life premium is $1,800 per year, and her insurer declares a $300 dividend. She elects the premium reduction dividend option. What happens at her next premium due date?

The insurer applies the $300 against the premium due, and Beth pays the remaining $1,500 out of pocket

The insurer bills the full $1,800 and mails Beth a $300 check afterward

The insurer waives the entire $1,800 premium for the year

The $300 buys additional paid-up coverage and the full $1,800 remains payable

For twenty years, Vera left her policy dividends with the insurer under the accumulate at interest option. She dies with $18,000 of accumulated dividends and interest on deposit, and her policy's face amount is $100,000. What does her beneficiary receive?

$118,000 - the face amount plus the accumulated dividends and interest

$100,000, because accumulated dividends revert to the insurer at death

$100,000, with the $18,000 payable only to Vera's estate creditors

$82,000, because accumulations are subtracted from the face amount

Omar was recently diagnosed with a heart condition that would make new life insurance unaffordable. He wants his participating whole life policy's death benefit to keep growing anyway. Why does the paid-up additions dividend option still work for him?

Because each dividend buys a small block of paid-up permanent insurance at his attained age with no evidence of insurability required

Because the insurer must ignore health only if the policy is more than ten years old

Because paid-up additions are purchased from a guaranteed side fund rather than as insurance

Because the option converts the policy to one-year term coverage, which is never underwritten

Wanda, whose children are still young, wants each year's policy dividend to buy the largest possible amount of additional death protection for that year, and she accepts that the extra coverage will expire annually. Which dividend option matches her goal?

The one-year term (fifth dividend) option

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Texas Life Insurance Practice Exam Free - 2026

Texas licenses more new insurance producers than almost any state, all through the Texas Department of Insurance. Stand out by preparing properly: free mock exams, topic quizzes, and explanations on every question. Access 313+ free Life Insurance questions with detailed explanations.

Exam quick facts. The Texas Life Insurance exam: 90 questions (80 scored) in 120 minutes; passing score 70 (scaled); exam fee $39; administered by Pearson VUE; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

313+ Questions

Unlimited Practice

Texas Specific

How the Texas Life Insurance exam compares

The Texas Life exam is 90 questions, 120 minutes. The examination fee is $39.

Texas requires no prelicensing course, so you can sit as soon as you are ready. That puts the whole burden of preparation on self-study and practice testing.

Life Insurance questions reviewed by Michael Bennett — Life Insurance, 17 years' experience, Tampa, FL. Last updated July 29, 2026

Figures above are taken from Texas Insurance Licensing Candidate Handbook, October 2024 (#124400), Pearson VUE, with content outlines effective December 1, 2025 (#124401) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

The Texas Life producer exam: general and state parts

Texas splits the Life Insurance licensing exam into a general (national) part and a state-specific part on Texas law: Life Agent exam: 50 scored + 5 pretest (general knowledge) plus 30 scored + 5 pretest (Texas state-specific) = 80 scored + 10 pretest. Time limit: 120 minutes. Passing: 70 scaled score (0-100 scale set by TDI; not the number or percentage of questions answered correctly). The general part is what the practice tests on this page drill - policy types, provisions and riders, underwriting, and federal rules - while the state part comes from Texas's own statutes and regulations, listed in the official content outline.

Candidates who pass the general part but fail the state part usually studied a national textbook and skipped their state's law chapter. Read the outline's state section, note every statute it cites, and confirm the details with the Texas Department of Insurance.

Taking the Texas Life, Accident and Health exam?

Texas has no health-only producer exam: Accident & Health authority is tested through the General Lines - Life, Accident and Health exam (Pearson VUE InsTX-LAH05), 130 scored questions plus 15 pretest in 150 minutes, passed with a scaled score of 70. The Life Agent exam on this page is the shorter, life-only route.

If you are going for the combined licence, practice this life bank and the Texas health bank, and read the combined-exam guide for the official outline weights, including the 30-question Texas law section.

Texas life and health exam guide

Texas health insurance practice test

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Texas Life Exam Info

Vendor: Pearson VUE
Questions: Life Agent exam: 50 scored + 5 pretest (general knowledge) plus 30 scored + 5 pretest (Texas state-specific) = 80 scored + 10 pretest
Time limit: 120 minutes
Passing: 70 scaled score (0-100 scale set by TDI; not the number or percentage of questions answered correctly)
Exam fee: $39 (InsTX-Life01)
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 July 2026 from the Texas Insurance Licensing Candidate Handbook, October 2024 (#124400), Pearson VUE, with content outlines effective December 1, 2025 (#124401). Always confirm with the current official candidate handbook.

Texas Department of Insurance

More Texas Tests

Study Tip

Spread practice across several days instead of one long session. Short, repeated sessions with explanations beat cramming for vocabulary-heavy insurance exams.

Texas Life Insurance Exam Topics

Advanced Policy Types

Advanced Taxation (1035, MEC, Annuities)

Annuities

Annuity Payouts & Suitability

Beneficiaries & Settlements

Business Uses of Life Insurance

Ethics & Regulations

General Principles & Contract Law

Group Life Insurance

Life Insurance Basics

Life Settlements & Viaticals

Policy Dividends

Policy Provisions & Options

Policy Riders

Qualified & Retirement Plans

Social Security Benefits

Taxation of Life Insurance

Types of Life Policies

Underwriting & Risk

Universal Life Insurance

Whole Life Insurance

State Insurance Law

Free Texas Life Practice Questions with Answers

12 sample questions from the 313-question Life bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Life questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in Texas

Prepare for multiple insurance licenses in Texas

Health Insurance

Texas Exam

Property & Casualty

Texas Exam

Life Insurance Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Official Texas Insurance Resources

Important external links for Texas insurance licensing information

Texas Department of Insurance

Official state regulator for insurance licensing, requirements, and exam information.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

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How to Pass Your Insurance Exam Free Q&A PDFs All Articles

Texas Life Insurance Practice Exam Free - 2026

How the Texas Life Insurance exam compares

The Texas Life producer exam: general and state parts

Taking the Texas Life, Accident and Health exam?

Choose Your Practice Mode

Texas Life Insurance Exam Topics

Free Texas Life Practice Questions with Answers

Question 1: After a Texas life insurer receives proof of the insured's death and of the claimant's right to the proceeds, the policy must provide that settlement will be made no later than when?

Question 2: A Texas life policy with nonforfeiture values lapsed for nonpayment and its value was applied to buy other insurance. Under the required reinstatement provision, the owner may reinstate the original policy within at least how long after the default?

Question 3: A Texas life insurance policy may not contain a provision that limits the time for bringing a lawsuit on the policy to less than how long after the cause of action accrues?

Question 4: To obtain a lower age rating, a Texas applicant asks the insurer to backdate a new life policy. Under Texas rules, the policy may not be issued or take effect more than how long before the original application date?

Question 5: A mother buys a whole life policy on her 8-year-old daughter and adds a payor benefit rider, naming herself as payor. The mother dies when the child is 12. What does the rider do?

Question 6: Roberto owns a whole life policy with both a waiver of premium rider and a disability income rider. He becomes totally disabled and satisfies each rider's waiting period. How do the two riders respond differently?

Question 8: Arthur, a retiree on a fixed budget, owns a participating whole life policy and wants each year's dividend sent to him as spendable money he can deposit in his checking account. Which dividend option should he elect?

Question 9: Beth's participating whole life premium is $1,800 per year, and her insurer declares a $300 dividend. She elects the premium reduction dividend option. What happens at her next premium due date?

Question 10: For twenty years, Vera left her policy dividends with the insurer under the accumulate at interest option. She dies with $18,000 of accumulated dividends and interest on deposit, and her policy's face amount is $100,000. What does her beneficiary receive?

Question 11: Omar was recently diagnosed with a heart condition that would make new life insurance unaffordable. He wants his participating whole life policy's death benefit to keep growing anyway. Why does the paid-up additions dividend option still work for him?

Question 12: Wanda, whose children are still young, wants each year's policy dividend to buy the largest possible amount of additional death protection for that year, and she accepts that the extra coverage will expire annually. Which dividend option matches her goal?

Frequently Asked Questions

How many questions are on the Texas Life Insurance exam?

Are these practice tests really free?

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What score do I need to pass the Texas insurance exam?

Can I take the practice test on my phone?

Is the Texas Life Insurance producer exam one test or two?

Other Insurance Exams in Texas

Life Insurance Exams in Nearby States

Official Texas Insurance Resources

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