- TX-LAH Exam Structure at a Glance
- Life Insurance Domains (1-4)
- Health Insurance Domains (5-9)
- Texas Statutes and Rules Domains (10-13)
- Domain Weighting Comparison Table
- Sequencing Your Study by Domain Weight
- Registration, Fees, and Test-Day Mechanics
- Who Hires Agents Who Pass the TX-LAH
- Frequently Asked Questions
- The TX-LAH covers 13 domains grouped into Life, Health, and Texas Statutes categories.
- Health - Types of Policies is the single largest domain at 12.3% of the exam.
- The exam has 130 scored and 15 unscored questions with a 150-minute limit for tests on or after September 1, 2026.
- A scaled score of 70 is required to pass; candidates testing before September 1 use the December 1, 2025 outline instead.
TX-LAH Exam Structure at a Glance
The Texas General Lines - Life, Accident, Health and HMO Agent Exam (TX-LAH) is administered by Pearson VUE on behalf of the Texas Department of Insurance. Candidates testing on or after September 1, 2026 face 130 scored multiple-choice questions plus 15 unscored pretest questions, all delivered within a 150-minute window. A scaled score of 70 is the passing threshold, and the questions are drawn from 13 distinct content domains that fall into three broad families: Life insurance, Health insurance, and Texas-specific statutes and rules.
If you are scheduling before the September cutoff, you'll instead be tested against the December 1, 2025 content outline, so always confirm which version applies to your exam date before you build a study plan. For a full walkthrough of scheduling logistics, see TX-LAH Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Life Insurance Domains (1-4)
The Life domains form roughly 38% of the exam when combined, making them the single largest family of content on the TX-LAH. Mastering these four domains is nearly as important as mastering the Health domains described below.
Domain 1: Life - Types of Policies (11.5%)
Candidates must distinguish between term, whole, universal, and variable life products, along with the mechanics of each policy type's cash value growth, premium structure, and death benefit design.
- Differences between level, decreasing, and increasing term structures
- How whole life guarantees interact with dividends and cash value
- Universal life's flexible premium and adjustable death benefit features
Domain 2: Life - Policy Riders, Provisions, Options, and Exclusions (11.5%)
This domain tests knowledge of add-ons and standard contract language that modify a base life policy.
- Common riders: waiver of premium, accidental death, guaranteed insurability
- Nonforfeiture options and settlement options
- Standard exclusions such as suicide clauses and incontestability periods
Domain 3: Life - Completing the Application, Underwriting, and Delivering the Policies (9.2%)
Focuses on the procedural side of issuing a life policy, from application intake through delivery.
- Field underwriting responsibilities of the producer
- Sources of underwriting information, including MIB and attending physician statements
- Rules governing policy delivery and the free-look period
Domain 4: Life - Retirement and Other Insurance Concepts (6.2%)
Covers annuities, qualified plans, and general concepts that intersect life insurance with retirement planning.
- Fixed vs. variable annuity mechanics
- Qualified vs. nonqualified retirement plan tax treatment
- Key insurance concepts like insurable interest and beneficiary designations
Health Insurance Domains (5-9)
The Health domains total roughly 38.4% of exam weight and include the single heaviest domain on the entire test. Candidates who underestimate this section often struggle, which is a common thread in How Hard Is the TX-LAH Exam? Complete Difficulty Guide 2026.
Domain 5: Health - Types of Policies (12.3%)
This is the largest domain on the entire TX-LAH exam. It covers the full spectrum of health insurance products a general lines agent may sell or explain to clients.
- Individual and group medical expense policies
- Disability income insurance structures
- Long-term care and specified disease policies
- Managed care structures including HMOs and PPOs
Domain 6: Health - Policy Provisions, Clauses, and Riders (11.5%)
Nearly as heavily weighted as Domain 5, this area tests contract language specific to health policies.
- Standard provisions: grace period, reinstatement, claims procedures
- Coordination of benefits clauses
- Optional and mandatory provisions under Texas rules
Domain 7: Health - Social Insurance (4.6%)
Covers government-run programs candidates must be able to explain relative to private coverage.
- Medicare Parts A, B, C, and D basics
- Medicaid eligibility fundamentals
- Social Security disability benefits
Domain 8: Health - Other Insurance Concepts (3.8%)
A smaller but distinct domain covering broader health insurance principles not tied to a specific policy type.
- Cost-containment mechanisms
- Taxation of health insurance premiums and benefits
- Key definitions used across health contracts
Domain 9: Health - Field Underwriting Procedures (6.2%)
Mirrors Domain 3 but applied to health insurance applications and underwriting.
- Application completion requirements for health products
- Producer responsibilities during underwriting
- Handling of pre-existing condition disclosures
Texas Statutes and Rules Domains (10-13)
The remaining four domains are Texas-specific and combine for roughly 23.1% of the exam. These domains are where out-of-state study materials tend to fail candidates, since they test state law rather than general insurance principles.
Domain 10: Texas Statutes and Rules Common to Life and Health Insurance (10.8%)
The heaviest of the four Texas domains, covering licensing law, unfair trade practices, and general regulatory requirements that apply across both life and health lines.
- Producer licensing, renewal, and continuing education rules
- Unfair claims settlement and trade practices
- Texas Insurance Code definitions and penalties
Domain 11: Texas Statutes and Rules Pertinent to Life Insurance Only (4.6%)
Narrower in scope, this domain addresses Texas-specific statutes that apply exclusively to life insurance contracts and producers.
- State-specific policy provision requirements
- Replacement regulations for life policies
Domain 12: Texas Statutes and Rules Pertinent to Accident and Health Insurance Only (5.4%)
Covers statutes specific to accident and health contracts under Texas law.
- Mandated benefits under Texas law
- Small employer health insurance rules
Domain 13: Texas Statutes and Rules Pertinent to Health Maintenance Organizations (HMOs) (2.3%)
The smallest domain on the exam, but still testable material covering Texas-specific HMO regulation.
- HMO certificate of authority requirements
- Complaint and grievance procedures unique to HMOs
Domain Weighting Comparison Table
Use this table to see all 13 domains side by side. It's a useful companion to the condensed version found in the TX-LAH Cheat Sheet 2026: One-Page Review of Must-Know Facts.
| Domain | Weight |
|---|---|
| Health - Types of Policies | 12.3% |
| Life - Types of Policies | 11.5% |
| Life - Policy Riders, Provisions, Options, and Exclusions | 11.5% |
| Health - Policy Provisions, Clauses, and Riders | 11.5% |
| Texas Statutes and Rules Common to Life and Health Insurance | 10.8% |
| Life - Completing the Application, Underwriting, and Delivering the Policies | 9.2% |
| Life - Retirement and Other Insurance Concepts | 6.2% |
| Health - Field Underwriting Procedures | 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% |
| Texas Statutes and Rules Pertinent to HMOs | 2.3% |
Sequencing Your Study by Domain Weight
Once you know the weights, the next question is order. A logical approach is to study heavier domains first while your energy and time are highest, then work down to the smaller domains as review material closer to test day. This is one of the few places where general study methodology intersects directly with TX-LAH's specific domain structure.
Heaviest Health and Life Domains
- Health - Types of Policies (12.3%)
- Life - Types of Policies (11.5%)
Provisions, Riders, and Statutes Common to Both Lines
- Life - Policy Riders, Provisions, Options, and Exclusions (11.5%)
- Health - Policy Provisions, Clauses, and Riders (11.5%)
- Texas Statutes Common to Life and Health (10.8%)
Underwriting, Retirement, and Line-Specific Texas Rules
- 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 for Accident and Health Only (5.4%)
Smaller Domains and Full Review
- Health - Social Insurance (4.6%)
- Texas Statutes for Life Only (4.6%)
- Health - Other Insurance Concepts (3.8%)
- Texas Statutes for HMOs (2.3%)
- Full practice exam review
This sequencing pairs well with the broader study framework in the TX-LAH Study Guide 2026: How to Pass on Your First Attempt, and running full-length practice sessions on our TX-LAH practice test platform during week four helps confirm which domains still need reinforcement before scheduling your exam.
Key Takeaway
Study the four heaviest domains - Health Types of Policies, Life Types of Policies, Life Riders/Provisions, and Health Provisions/Clauses - before moving to smaller, narrower Texas statute domains.
Registration, Fees, and Test-Day Mechanics
Domain knowledge is only half the picture. Candidates also need to understand the logistics surrounding the TX-LAH exam itself. The exam fee is $49, and there's a separate $50 resident application fee charged by the Texas Department of Insurance. After passing the exam, candidates must complete fingerprinting and submit their license application within one year of passing. Full cost breakdowns, including how these fees stack up, are covered in TX-LAH Certification Cost 2026: Complete Pricing Breakdown.
On test day, a silent handheld nonprinting calculator without an alphabetic keypad is permitted; financial calculators and any outside reference materials are prohibited. Both English and Spanish versions of the exam are offered at Pearson VUE test centers, so candidates can choose the language that best supports their performance across all 13 domains.
Once licensed, agents must renew every two years by completing 24 continuing education hours, including 3 hours of ethics, with at least 12 hours delivered in classroom or classroom-equivalent format. This CE cycle effectively revisits many of the same domain categories tested on the initial exam, particularly the Texas statutes domains.
Who Hires Agents Who Pass the TX-LAH
Passing the TX-LAH and completing licensure opens the door to selling life, accident, health, and HMO products across Texas. Agencies, carriers, and independent brokerages that write life and health business in Texas typically require this license before an agent can legally solicit or bind these product lines. Because the domains span everything from term life to Medicare-adjacent social insurance concepts, license holders often work across multiple product categories rather than a single narrow niche.
If you're weighing whether the licensing process is worth the time investment relative to the roles it opens up, Is the TX-LAH Certification Worth It? Complete ROI Analysis 2026 and TX-LAH Jobs both dig into that question in more depth. For a broader look at where salaries and roles typically land for license holders, see TX-LAH Salary Guide 2026: Complete Earnings Analysis.
Before diving into domain-level study, it's also worth confirming you meet baseline eligibility. Requirements around age, background, and application steps are detailed in TX-LAH Requirements 2026: Eligibility, Prerequisites & How to Qualify. And if you're still getting oriented to what this license actually represents, What Is TX-LAH? and TX-LAH Meaning offer good starting points before you commit to a full study plan on our practice exam site.
Frequently Asked Questions
There are 13 content domains, grouped into Life insurance domains, Health insurance domains, and Texas statutes and rules domains.
Health - Types of Policies is the largest general-knowledge domain at 12.3% of the exam.
For exams on or after September 1, 2026, there are 130 scored questions plus 15 unscored pretest questions, with a 150-minute time limit.
A scaled passing score of 70 is required. See the passing score guide for more detail on how scaling works.
Combined, the four Texas statutes and rules domains make up about 23.1% of the exam, so they deserve dedicated study time even though no single statutes domain is as heavily weighted as Health - Types of Policies.