- Exams on or after September 1, 2026 have 130 scored plus 15 unscored questions in 150 minutes.
- Scaled passing score is 70; Health - Types of Policies carries the most weight at 12.3%.
- Exam fee is $49, plus a $50 resident application fee handled through the Texas Department of Insurance.
- After passing, you must complete fingerprinting and apply for licensure within one year.
Exam Format at a Glance
The Texas General Lines - Life, Accident, Health and HMO Agent Exam is administered by Pearson VUE on behalf of the Texas Department of Insurance. For exams scheduled on or after September 1, 2026, the structure is fixed: 130 scored multiple-choice questions plus 15 unscored pretest items you can't identify during the test, all inside a 150-minute window. If you're testing before that date, you're working from the December 1, 2025 outline instead, so confirm which version applies to your scheduled date before you build a study plan.
The passing score is a scaled 70 - not a raw percentage - which means the difficulty of individual questions is already factored into how the score is calculated. For a full breakdown of what that scaled number actually represents and how it's derived, see TX-LAH Passing Score 2026: Exactly What You Need to Pass.
| Item | Detail |
|---|---|
| Regulator | Texas Department of Insurance |
| Test administrator | Pearson VUE |
| Exam fee | $49 |
| Resident application fee | $50 |
| Question count (2026+ outline) | 130 scored + 15 unscored pretest |
| Time limit | 150 minutes |
| Passing score | 70 (scaled) |
| Languages offered | English and Spanish |
| Calculator policy | Silent, handheld, nonprinting, no alphabetic keypad; financial calculators and reference materials prohibited |
All 13 Domains Ranked by Weight
The TX-LAH exam blueprint splits content across life insurance, health insurance, and Texas-specific statutes. Knowing the exact weight of each domain lets you prioritize study hours instead of spreading effort evenly across topics that don't carry equal exam value.
Domain 5: Health - Types of Policies (12.3%)
This is the single largest domain on the entire exam. Expect deep coverage of individual and group health products, HMOs, PPOs, and how various health plan structures differ.
- Highest-weighted domain overall - study this first
Domain 1: Life - Types of Policies (11.5%)
Covers term, whole, universal, and variable life products, along with how each policy type functions for the policyholder.
- Tied for second-highest weight
Domain 2: Life - Policy Riders, Provisions, Options, and Exclusions (11.5%)
Focuses on the add-ons and contract language that modify a base life policy.
- Tied with Domain 1 for second-highest weight
Domain 6: Health - Policy Provisions, Clauses, and Riders (11.5%)
Mirrors Domain 2 but for health contracts - provisions, exclusions, and standard clauses candidates must recognize quickly.
- Third domain tied at 11.5%
Domain 10: Texas Statutes and Rules Common to Life and Health Insurance (10.8%)
State-specific law that applies across both life and health products - the largest of the four Texas statutes domains.
- Largest statutes-focused domain
The remaining domains carry smaller but still meaningful weight: Life - Completing the Application, Underwriting, and Delivering the Policies (9.2%); Health - Field Underwriting Procedures (6.2%); Life - Retirement and Other Insurance Concepts (6.2%); Texas Statutes and Rules Pertinent to Accident and Health Insurance Only (5.4%); Health - Social Insurance (4.6%); Texas Statutes and Rules Pertinent to Life Insurance Only (4.6%); Health - Other Insurance Concepts (3.8%); and Texas Statutes and Rules Pertinent to Health Maintenance Organizations (HMOs) (2.3%), the smallest domain overall.
Key Takeaway
Five domains - Health Types of Policies, Life Types of Policies, Life Riders/Provisions, Health Provisions/Clauses, and Texas Statutes Common to Life and Health - together account for roughly 58% of the exam. Master these five before spending equal time on the smaller domains.
For a full walkthrough of what each of the 13 domains actually tests, bookmark TX-LAH Exam Domains 2026: Complete Guide to All 13 Content Areas.
Registration, Fees, and Licensing Timeline
Passing the exam is only one step. The full path to licensure runs: pass the exam, complete fingerprinting, then apply for your license within one year of your passing exam date. Miss that window and you may need to retest.
- Exam fee: $49, paid to Pearson VUE for each attempt
- Resident application fee: $50, paid separately as part of the licensing application
- Fingerprinting: required before or as part of the license application process
- Application deadline: within one year of passing the exam
- Test languages: English or Spanish, available at Pearson VUE test centers
If you're still mapping out when to schedule your test date relative to the September 1, 2026 outline change, review TX-LAH Exam Dates 2026: Testing Windows, Deadlines & Scheduling before you register. And if you haven't confirmed you meet the baseline eligibility criteria, check TX-LAH Requirements 2026: Eligibility, Prerequisites & How to Qualify first - there's no point memorizing domain content before you know you can sit for the exam.
Pass Rate Snapshot
According to the official 2026 summary data through July, the first-time English pass rate sits at 56%, while the overall pass rate - including retakes and both languages - is 49%. Those numbers tell you two things: a majority of first-time English test-takers pass, but a substantial share of all attempts still fall short of the scaled score of 70.
These figures underline why domain-weighted preparation matters more than broad, unfocused review. Spending equal time on Domain 13 (2.3%) and Domain 5 (12.3%) is a poor use of limited study hours. For more context on how these numbers compare across recent periods and what they imply about exam difficulty, see TX-LAH Pass Rate 2026: What the Data Shows and How Hard Is the TX-LAH Exam? Complete Difficulty Guide 2026.
CE and Renewal Rules
Once licensed, agents must renew every two years. The renewal requirement is 24 continuing education hours per cycle, with at least 3 of those hours dedicated to ethics. At least 12 of the total 24 hours must be completed in a classroom or classroom-equivalent format - self-paced online courses alone won't satisfy the full requirement.
| Renewal Component | Requirement |
|---|---|
| Renewal cycle | Every 2 years |
| Total CE hours | 24 |
| Ethics hours (included in 24) | 3 |
| Classroom/classroom-equivalent minimum | 12 hours |
Keep this table handy well before your renewal date approaches - scrambling to find classroom-equivalent courses in the final weeks of a two-year cycle is a common and avoidable problem.
Final-Week Review Plan
If you already understand the material and just need a structured final push, spend your last week working domain by domain in order of exam weight rather than textbook order. This isn't a full study methodology - it's a compressed review sequence built specifically around the TX-LAH blueprint.
Highest-Weight Domains
- Health - Types of Policies (12.3%)
- Life - Types of Policies (11.5%)
Provisions and Riders
- Life - Policy Riders, Provisions, Options, and Exclusions (11.5%)
- Health - Policy Provisions, Clauses, and Riders (11.5%)
Texas Statutes
- Statutes Common to Life and Health (10.8%)
- Statutes for Life Only, Accident and Health Only, and HMOs
Underwriting and Concepts
- Completing the Application, Underwriting, and Delivering Policies
- Field Underwriting Procedures; Retirement and Other Insurance Concepts
Timed Practice
- Full 150-minute timed run-through under real exam conditions
- Review missed items by domain, not just by question number
For a longer-horizon plan that starts weeks or months out instead of days, see TX-LAH Study Guide 2026: How to Pass on Your First Attempt. Running full-length practice sets on our practice test platform is the fastest way to see which of the 13 domains still needs work before test day.
Common Last-Minute Mistakes
- Studying the wrong outline: Confirm whether your test date falls before or after September 1, 2026, since the question count and structure differ by outline version.
- Ignoring domain weight: Spending equal hours on a 2.3% domain and a 12.3% domain wastes limited prep time.
- Forgetting the resident application fee: The $50 application fee is separate from the $49 exam fee - budget for both.
- Missing the one-year window: Passing the exam doesn't license you automatically; fingerprinting and application must happen within one year.
- Bringing the wrong calculator: Financial calculators are prohibited; only a silent, nonprinting, non-alphabetic-keypad calculator is allowed.
If you're still deciding whether pursuing this license fits your career goals, Is the TX-LAH Certification Worth It? Complete ROI Analysis 2026 and TX-LAH Salary Guide 2026: Complete Earnings Analysis cover the broader picture beyond exam mechanics. You can also run a free diagnostic on the main practice test site to gauge where you stand across all 13 domains before committing to a test date.
FAQ
For exams on or after September 1, 2026, there are 130 scored multiple-choice questions plus 15 unscored pretest questions, for a total of 145 questions in 150 minutes.
You need a scaled passing score of 70. This is not a raw percentage - the scoring model already accounts for question difficulty.
The Pearson VUE exam fee is $49, and there is a separate $50 resident application fee as part of the licensing process.
Health - Types of Policies is the largest domain at 12.3% of the exam, followed closely by Life - Types of Policies, Life - Policy Riders/Provisions, and Health - Policy Provisions/Clauses, each at 11.5%.
You must complete fingerprinting and submit your license application within one year of passing. After licensing, renewal occurs every two years and requires 24 CE hours, including 3 ethics hours and at least 12 classroom or classroom-equivalent hours.