What Every Texas Insurance Student Should Know First

Before your first client. Before your first quote. Even before your first day of training, there's a decision that separates future pros from the rest.

It’s this: How you prepare matters more than when you start.

Let’s be clear. You don’t need permission to become a standout in this industry. But if you want to build confidence, boost your odds, and start strong, here’s what to expect when you choose a real pre-licensing program designed for modern learners.

Step 1: Recognize the Importance of Preparation

While Texas does not mandate pre-licensing education for all insurance lines, the value of structured preparation cannot be overstated. Consider the following:

• Exam Pass Rates: The pass rate for the General Lines – Life, Accident, and Health exam in Texas is approximately 59% for first-time takers.
• Cost of Retakes: Each exam attempt incurs a fee, and repeated failures can lead to increased expenses and delayed career progression.

Pro Perspective: Smart students don’t treat the course as a hurdle. They treat it like onboarding.

“I’m not memorizing terms, I’m learning how to explain them to a future client.”

“This isn’t homework. It’s job prep.”

“I’m not just passing the exam. I’m building career capital.”

Step 2: Develop a Structured Study Plan

A well-organized study plan is crucial for effective learning. Here's how to create one:

• Break Down the Material: Divide the course content into manageable sections.
• Set Milestones: Establish weekly goals to track your progress.
• Incorporate Diverse Resources: Use a combination of textbooks, online modules, and flashcards to reinforce learning.

To build a plan that works, it helps to study the habits of students who consistently pass on their first try. 

Build a Smarter Study System

To build a plan that works, it helps to study the habits of students who consistently pass on their first try.  High performers often:

• Study in 90-minute blocks with breaks and focus during peak hours
• Use active recall tools like flashcards and full-length practice exams
• Create distraction-free zones and apply the Pomodoro technique
• Set mini deadlines and mock exams to simulate pressure
• Self-assess weekly, using color-coded trackers to target weak areas. These habits don’t just prepare you to pass; they build professional-level discipline that lasts well beyond the licensing exam.

Step 3: Embrace Active Learning Techniques

• Teach Back Method: Explain concepts in your own words.
• Self-Quizzing: Use quizzes to test retention.
• Scenario-Based Learning: Apply theory to real-world examples.

Step 4: Understand the Exam Structure and Content

• General Lines – Life, Accident, and Health: 145 questions, 2.5 hours.
• Passing Score: 70%

Strategy:

• Review the TDI outline.
• Take simulated exams.

Step 5: Leverage Available Resources and Support

• Look for course providers with exam simulations, live support, and topic quizzes.
• Get instructor feedback as you go, don’t wait to get stuck.

Summary: Don’t Just “Take” a Pre-Licensing Course — Own It

If you treat pre-licensing like a checkbox, the results will show. But if you walk in with a system, a strategy, and a mindset built for professional growth? You’ll set the tone for the rest of your insurance career.

Your preparation before Day One is your greatest edge. Use it.