Exam prep · Free exam prep course
A complete course for the Texas General Lines - Life, Accident and Health agent exam, built from the Pearson VUE content outline that took effect September 1, 2026. It starts from zero (what insurance is, how a contract works) and builds up through life products, annuities, health and disability coverage, Medicare and Social Security, then the Texas statutes and rules the state half of the exam tests. Every Texas rule card cites the statute or TDI rule it comes from.
| License | General Lines - Life, Accident and Health agent (exam InsTX-LAH05, or InsTX-LAH25 in Spanish) |
|---|---|
| Questions | 145: 130 scored plus 15 unscored pretest questions, mixed in and unmarked |
| Time | 150 minutes |
| Exam fee | $49, paid when you reserve with Pearson VUE |
| Passing score | 70 on a 0-100 scaled score, graded on the exam as a whole (not each half) |
| Retakes | No limit; you can book a new attempt from the next day |
| Split | 100 scored general knowledge questions and 30 scored Texas-specific questions |
Source: Pearson VUE Texas Insurance Licensing Candidate Handbook #124400 and content outline #124401 (effective September 1, 2026).
Copied straight from the course. In the app, each wrong option also gets its own explanation.
Card 1Which term does Texas forbid an agent to use when describing a plan that uses non-guaranteed elements to pay future premiums?
Vanishing premium. The illustration rule bans "vanish," "vanishing premium," or any similar term that implies the policy becomes paid up when the plan really depends on non-guaranteed values.
Card 2A policy pays a fixed amount for a covered event, such as $200 per day in the hospital, no matter what the actual charges are. Which benefit basis is this?
Indemnity basis. An indemnity basis pays a predetermined amount per covered event regardless of the actual cost.
Card 3Ben applied for a policy using a basic illustration, but the insurer issued it with a different rating class. What must come with the policy at delivery?
A signed "Revised Illustration". When a policy is issued other than as applied for, a revised basic illustration labeled "Revised Illustration" goes with the policy and is signed no later than delivery.
Yes. Create a free Encodr account and all 19 units and 1,101 cards are yours to study, with spaced repetition scheduling your reviews.
It was built from the Pearson VUE Texas Life and Health content outline effective September 1, 2026, and the Texas-specific cards cite the current Texas Insurance Code or TDI rule they come from.
No. Per the Pearson VUE candidate handbook, the exam is scored as a whole: you need a scaled score of 70 across all 130 scored questions. The Texas half is only 30 of those questions, but they are dense, so the course gives Texas law four full units.
The Life Agent license (exam InsTX-Life01) covers life insurance and annuities only. The General Lines - Life, Accident and Health license covers life plus accident, health, disability and HMO products. This course targets the broader Life, Accident and Health exam.