What is on the Texas Insurance Exam?

What's on the General Lines Property and Casualty Exam?

The General Lines Property and Casualty exam is the other most common track in Texas, with a similar structure but different content domains.

Property Insurance (Roughly 30 to 35 Percent)

Homeowners forms (HO-3, HO-5, HO-6), commercial property coverage, named perils versus open perils, valuation methods (actual cash value, replacement cost), coinsurance, and endorsements.

Casualty and Liability Insurance (Roughly 30 to 35 Percent)

General liability coverage types, auto insurance (liability, collision, UM/UIM), professional liability, workers' compensation, and commercial liability policies.

Texas-Specific Property and Casualty Content (Roughly 25 to 30 Percent)

Texas liability limits, Texas Windstorm Insurance Association (TWIA) coverage, FAIR Plan eligibility, Texas-specific forms and endorsements, and regulations around hail, windstorm, and coastal property risk.

What Kinds of Questions Appear on the Exam?

Not all questions are structured the same. Understanding the question patterns helps you read faster and avoid traps.

Application-Based Scenarios (40 to 45 Percent)

Most questions present a short scenario and ask you to apply a concept. "A homeowner cancels their policy mid-term. Under what condition is the premium refund prorated versus short-rated?" These are the questions practice exams prepare you for.

Definition Questions (20 to 25 Percent)

Direct recall of terminology: what is indemnity, what is subrogation, what is concurrent causation. The easiest questions if you've studied the vocabulary.

Calculation Questions (10 to 15 Percent)

Basic math applied to coinsurance, deductibles, proration, and limits of liability. Bring a mental framework for common formulas; don't try to derive them during the exam.

Exception Questions (15 to 20 Percent)

The ones with EXCEPT, NOT, or FALSE in them. Slow down on these. A question that reads correctly three-quarters of the way through can flip on the last five words.

What Texas-Specific Topics Are Most Heavily Tested?

If you're running short on study time, prioritize these Texas-specific areas where candidates consistently lose points.

• Claims acknowledgment deadlines. Texas requires insurers to acknowledge claims within 15 days of receipt.
• Free-look periods. 10 days for most life policies, 30 days for Medicare Supplement.
• Replacement regulations. 60-day notice requirement before replacing an existing policy.
• Producer conduct rules. Twisting, churning, rebating, and misrepresentation are all prohibited and commonly tested.
• Texas Windstorm Insurance Association. Coastal property risk and TWIA eligibility come up on P&C exams regularly.
• Record retention. Texas requires producers to retain records for a minimum of five years.

How Does Texas Compare to Other States?

Texas is one of a handful of states that don't require mandatory pre-licensing education for most producer licenses (Arizona, Louisiana, and South Carolina are the others). That makes the exam itself the entire qualifying bar. The 70 percent passing score is the most common threshold nationally, matching states like Missouri, Indiana, and most others that use Pearson VUE. California's 60 percent is the lowest among major states; Florida's 70 percent applies to a much longer education path (40 to 60 hours of pre-licensing depending on line).

What Happens After You Pass the Texas Insurance Exam?

Passing is the prerequisite, not the finish line. After you pass, you have one year to complete the rest of the licensing process:

1. Complete your fingerprint-based background check through IdentoGO, scheduled through TDI's online portal.
2. Submit your license application through Sircon or NIPR with the required application fee.
3. Wait for TDI review, typically 1 to 5 business days once your application and fingerprints are on file.
4. Receive your license electronically from TDI. You can start practicing as soon as your license is issued and you're appointed by an insurer.

For the full timeline from study to active license, see Texas licensing timeline.

What Can Slow Down Your Exam Preparation?

• Relying only on general online study materials that don't cover Texas-specific content in depth
• Underestimating the volume of Texas statute and regulation material you need to master
• Skipping timed practice exams, since exam-day time pressure changes how you perform
• Not reviewing your missed practice questions, where the diagnostic value of a wrong answer beats the confirmation value of a right one
• Cramming, since the volume of material doesn't reward last-minute study

Frequently Asked Questions

How Long Is the Texas Insurance Exam?

It depends on the license track: Life Agent (100 questions, 2 hours), combined Life and Health (130 questions, 2.5 hours), combined P and C (130 questions, 2.5 hours), Personal Lines (100 questions, 2 hours), or Adjuster All Lines (150 questions, 3 hours).

What Is the Passing Score for the Texas Insurance Exam?

70 percent across all license tracks. Texas does not publish separate passing thresholds for general versus state-specific sections, though TDI monitors performance on both.

Do You Need Pre-Licensing Education to Take the Texas Insurance Exam?

Not for most producer licenses. TDI does not require pre-licensing coursework for the standard producer exams, though most successful candidates complete structured prep anyway. Pre-licensing is required for a temporary license, which has separate rules.

Can You Take the Texas Insurance Exam Online?

Your first attempt can be taken via Pearson VUE OnVUE online proctoring. All subsequent retakes must be taken in person at a Pearson VUE testing center.

How Many Times Can You Take the Texas Insurance Exam?

There is no limit on retakes, but you pay the full exam fee each time. You also must apply for your license within one year of passing, or you have to retake the exam even if you passed originally.

How Aceable Insurance Helps You Pass the Texas Exam

The Texas insurance exam rewards structured preparation and punishes shortcuts. Aceable Insurance's Texas exam prep is built around the Pearson VUE content outline, with dedicated Texas Insurance Code coverage, application-based practice questions, and mobile-friendly modules designed for how people actually study. Pass on the first attempt, submit your fingerprints, move on to the career. For broader exam strategy, read our study strategies. If you're still deciding which line to pursue, see first license guide. For career switchers, our no experience required guide walks the full path. And for tips beyond exam day, our successful agent tips cover what comes next.