Key facts
| Fact | Detail | Source |
|---|---|---|
| Pretest questions | It also has 10 pretest questions that don't count: 5 in the general part and 5 in the Texas part. | Pearson VUE, Texas Insurance Content Outlines #124401 (effective September 1, 2026) [1] |
| Outline in force | The content outline in force took effect on September 1, 2026, and the state publishes it in Spanish too (Bosquejos de contenido #124402). | Pearson VUE, Bosquejos de contenido #124402 (vigencia 1 de septiembre de 2026) [3] |
| To pass | To pass, you need a scaled score of 70. Scaled scores run from 0 to 100, and the passing score is set by the Texas Department of Insurance. | Pearson VUE, Texas Department of Insurance Candidate Handbook #124400 (October 2024) [2] |
| What you may bring | No books, notes, papers (scratch paper included), dictionaries, phones or watches are allowed in the exam room. The test center gives you materials for notes. | Pearson VUE, Texas Department of Insurance Candidate Handbook #124400 (October 2024) [2] |
The exam’s six areas and their questions
The areas with the most questions are the Texas rules common to life and health, the types of policies, and the riders.
| Area | Part | Questions that count |
|---|---|---|
| Types of policies | General | 15 |
| Policy riders, provisions, options and exclusions | General | 15 |
| Completing the application, underwriting and delivering the policy | General | 12 |
| Retirement and other insurance concepts | General | 8 |
| Texas statutes and rules common to life and health insurance | Texas | 20 |
| Texas statutes and rules pertinent to life insurance only | Texas | 10 |
Source: Pearson VUE, Texas Insurance Content Outlines #124401 (effective September 1, 2026) [1]
Which topics each area covers
- Types of policies: whole life, universal and variable life, term life, annuities, and joint and survivorship life.[3]
- Riders, provisions and exclusions: waiver of premium, accidental death, beneficiary designations, grace period, nonforfeiture and settlement options, war and aviation exclusions.[3]
- Application, underwriting and delivery: required signatures, replacement, insurable interest, risk classification and contract law.[3]
- Retirement and other concepts: group life, retirement plans, needs analysis, Social Security and taxes.[3]
- Texas rules common to life and health: the Commissioner of Insurance, license types, appointment, continuing education, and unfair practices such as misrepresentation and rebating.[3]
- Texas rules for life only: advertising, policy provisions such as free look and grace period, group and credit life, replacement and nonforfeiture.[3]
The Texas law part
Of the 80 questions that count, 30 are on Texas law: 20 on rules common to life and health and 10 on rules for life only.[1] In the outline, each Texas topic carries the section of the Texas Insurance Code or the Texas Administrative Code where it is written.
Pretest questions that don’t count
It also has 10 pretest questions that don't count: 5 in the general part and 5 in the Texas part.[1] Answer them all: There is no penalty for wrong answers, so it is better to guess than to leave a question blank.[2]
How the exam is scored
To pass, you need a scaled score of 70. Scaled scores run from 0 to 100, and the passing score is set by the Texas Department of Insurance.[2] The scaled score is neither the number nor the percentage of questions you got right, so 70 does not mean 70% of the questions.[2] The exam has a general part and a Texas part, but it is scored as a whole, not part by part.[2]
The exam outline in Spanish
The content outline in force took effect on September 1, 2026, and the state publishes it in Spanish too (Bosquejos de contenido #124402).[3] Both outlines are on Pearson VUE’s Texas insurance page, under Downloads.[4]
Frequently asked questions
How many questions are on the Texas Life Agent exam?
The Life Agent exam has 80 questions that count: 50 on general life insurance knowledge and 30 on Texas law.[1] It also has 10 pretest questions that don't count: 5 in the general part and 5 in the Texas part.[1]
How long is the Life Agent exam?
The Life Agent exam allows 120 minutes.[2]
Which area has the most questions?
The Texas rules common to life and health, with 20 questions that count.[1]
Sources
- Pearson VUE, Texas Insurance Content Outlines #124401 (effective September 1, 2026), S1-S2 (section headings); S1-S2: "plus 5 pretest questions" in each heading; S1-S3 (read November 13, 2026)
- Pearson VUE, Texas Department of Insurance Candidate Handbook #124400 (October 2024), p.17 (Available exams and fees); p.14 (Scaled score); p.15 (Testing policies); p.16 (Helpful hints); p.13 (read November 13, 2026)
- Pearson VUE, Bosquejos de contenido #124402 (vigencia 1 de septiembre de 2026), cover; S1-S3 (read November 13, 2026)
- Pearson VUE, Texas Department of Insurance exam page (last updated 2026-09-17), Downloads (read November 13, 2026)
Reviewed November 13, 2026. Published by ExamenDeSeguros. The sources above are the authority. This is a summary in our own words: check the source before you act on it.