Texas Insurance Life and Health Exam: What Candidates Need to Know
Texas is one of the largest insurance markets in the United States, and its licensing requirements reflect that scale. The Texas insurance life and health exam is administered by PSI Services LLC on behalf of the Texas Department of Insurance (TDI). Candidates must pass this exam before they can legally sell life and health insurance products in the state. The process involves pre-licensing education, a state-specific exam, and a background check, and each step has details that differ from other states.
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Eligibility and Pre-Licensing Education
To sit for the Texas life and health exam, applicants must complete a pre-licensing course approved by TDI. The required hours depend on the line of authority sought: a life and health combined course typically requires 40 hours of classroom instruction. Applicants must be at least 18 years old and have a high school diploma or equivalent. fingerprint-based background checks are mandatory, and certain criminal histories may affect eligibility.
Exam Content and Structure
The Texas insurance life and health exam is a computer-based test administered at PSI testing centers. It combines national and state-specific content. The national portion covers general insurance principles, while the state-specific portion addresses Texas insurance laws and regulations.
| Section | Topics Covered | Approximate Weight |
|---|---|---|
| National General Insurance | Policy structure, contract provisions, underwriting, claims | ~40% |
| National Life Insurance | Types of policies, riders, taxation, cash values | ~30% |
| National Health Insurance | Major medical, disability, Medicare, managed care | ~20% |
| Texas State-Specific | TDI rules, unfair trade practices, policy provisions | ~10% |
Registration and Scheduling
Candidates register through PSI's online portal. They must provide proof of pre-licensing education completion and pay the exam fee. Scheduling is available year-round at testing centers across Texas and nationwide. On exam day, bring two forms of identification, one with a signature and one with a photograph.
Passing the Exam
The Texas insurance life and health exam uses a scaled scoring system. A passing score is set by TDI and is not disclosed publicly. Candidates who do not pass may retake the exam after a waiting period, but each attempt requires a new exam fee. Study materials from approved vendors and practice exams mirroring the state-specific content are the most common preparation tools.
License Application After Passing
Once you pass, PSI forwards your results to TDI. You then submit a license application, pay the state fee, and complete any additional paperwork. The license must be activated within a set timeframe, and continuing education is required to maintain it. Texas does not currently offer reciprocity with other states, so out-of-state licensees must take the Texas exam to transact business in the state.