5 Mistakes People Make Before Taking the Texas Insurance Exam

Thinking about an insurance career? Don’t let a few avoidable mistakes stop you before you start.
The Texas insurance licensing exam can be your gateway to job stability, mobility, and real earning power—but too many people walk in unprepared, make a small mistake, and walk out empty-handed.

This guide breaks down the 5 most common mistakes career-switchers make before taking the Texas insurance exam and shows you how to avoid each one. Better yet, it’s also a roadmap to smarter prep that gets you test-ready and career-ready.

Mistake 1: Underestimating the Exam’s Difficulty

Why It Happens:

Some candidates assume the exam covers only basic concepts and underestimate its complexity.

How to Avoid It:

Familiarize yourself with the exam structure and content. The Texas Department of Insurance provides detailed outlines for each exam type. For instance, the General Lines – Life, Accident & Health exam has a pass rate of 51%, indicating its challenging nature.

Mistake 2: Using Outdated Study Materials

Why It Happens:

Relying on old textbooks or free online resources can lead to studying obsolete information.

How to Avoid It:

Utilize up-to-date, state-approved study materials. Aceable offers comprehensive pre-licensing courses that reflect current regulations and exam content.

Mistake 3: Scheduling the Exam Without a Realistic Plan

Why It Happens:

Eagerness to get licensed may lead to scheduling the exam prematurely.

How to Avoid It:

Develop a study schedule that allows ample time for preparation. Consider taking practice exams to assess readiness before booking the actual test.

Mistake 4: Cramming Without Structure

Why It Happens:

Last-minute studying can result in information overload and reduced retention.

How to Avoid It:

Adopt a structured study plan that includes regular review sessions and breaks. Consistent, spaced learning enhances memory and understanding.

Mistake 5: Studying in Isolation

Why It Happens:

Preparing alone may limit exposure to diverse perspectives and support.

How to Avoid It:

Engage with study groups or forums. Collaborating with peers can provide insights and motivation. 

Frequently Asked Questions About the Texas Insurance Exam

1. What is the pass rate for the Texas insurance licensing exams?

Pass rates vary depending on the license type and change throughout the year. According to Pearson VUE's official reporting, less than 55% of first-time test takers pass some of the most common exams in Texas. This highlights the importance of thorough preparation with state-aligned materials.

2. How long should I study before taking the exam?

The amount of time varies by individual, but most candidates benefit from three to six weeks of focused study. Consistent review, practice exams, and active recall techniques are recommended for first-time success.

3. What is the format of the exam?

The Texas insurance exams are multiple-choice tests. They include both scored and unscored (pretest) questions, and the total number of items and time limits depend on the license type.

5. Can I retake the exam if I don’t pass?

Yes. If you do not pass, you can retake the exam. You’ll need to schedule a new appointment and pay the exam fee again. 

6. How do I apply for my insurance license in Texas?

After passing the exam, you must apply through the Texas Department of Insurance. You'll also need to complete a fingerprint background check as part of your application.

Bonus Mistake: Skipping Pre-Licensing Education

Why It Happens:

Since Texas doesn't mandate pre-licensing courses for all insurance lines, some candidates opt to self-study.

How to Avoid It:

Even if not required, enrolling in a pre-licensing course can significantly improve your chances of passing. Structured courses offer comprehensive coverage of exam topics and practice questions.

Conclusion

Avoiding these common mistakes can streamline your path to becoming a licensed insurance agent in Texas. For more information on licensing requirements and resources, visit the Texas Department of Insurance and explore Aceable's pre-licensing courses.