• What Type of Insurance License Should I Get in Texas?

What Type of Insurance License Should I Get in Texas?

A Quick Guide to Choosing the Right Path

You're considering a future in the Texas insurance industry. Great move. This career path offers flexibility, financial stability, and real impact. But before you dive in, one key decision sets the tone for your entire journey: which type of license is right for you?

In Texas, the two most common license types are Life & Health (L&H) and Property & Casualty (P&C). This guide will break down both options and help you choose the best fit for your goals, lifestyle, and strengths.

The Two Core License Types in Texas

Let’s quickly define each one:

  • Life & Health (L&H): Covers products that support a person’s well-being and future, like life insurance, health insurance, annuities, and long-term care.

  • Property & Casualty (P&C): Focuses on protecting things people own—like their cars, homes, and businesses. You'll sell policies like auto, renters, homeowners, and commercial insurance.

Which License Aligns With Your Career Goals?

You can begin by considering who you want to serve and what motivates you.

Life & Health (L&H) Might Be Right If You:

  • Want to help families secure health, financial stability, or future planning

  • Prefer one-on-one relationships and personal solutions

  • Are interested in roles like life insurance agent, benefits specialist, or Medicare advisor

Property & Casualty (P&C) Might Be Right If You:

  • Like problem-solving and evaluating risk

  • Want to help clients protect physical assets

  • See yourself as an auto or homeowners insurance agent, commercial underwriter, or claims adjuster

Why Not Both? Dual Licensing Explained

Some new agents decide to get both licenses, and it’s a smart move if you’re not ready to specialize or if you plan to join a full-service agency.

Dual licensing allows you to be a one-stop shop for your clients’ insurance needs, building stronger relationships and increasing your earning potential.

With both licenses, you’ll have greater job flexibility, more product options, and broader client appeal, especially helpful if you’re aiming to work in an independent or multi-line agency.

Already part of the insurance world? Here’s what’s next.

Take your skills to the next level with these Top 5 Tips for Becoming a Successful Insurance Agent!

Learn More Pre License Tips Becoming A Successful Insurance Agent Resources

Your Top Insurance Licensing Questions, Answered

What’s the pass rate?

According to the Pearson VUE Texas Insurance Report (2024):

  • Life, Accident, and Health exam: ~58% first-time pass rate

  • Your prep matters, so choose a provider with a strong curriculum and practice tools

Can I switch license types later?

Absolutely. You can always add licenses as your career evolves. Start with one, gain experience, and scale when ready.

What’s included in pre-licensing education?

Pre-licensing courses cover:

  • Key concepts and regulations

  • Policy types and coverage rules

  • Claims handling, ethics, and compliance

  • Exam prep quizzes and real-world scenarios

Ready to Choose Your Path?

Getting licensed is the first big step, but with the proper education and support, it doesn’t have to be overwhelming. Whether you go the Life & Health or Property & Casualty route, you’re building toward a rewarding, future-proof career.

Want Help Choosing Your Insurance License in Texas?

Not sure whether to start with Life & Health or Property & Casualty? We’ve got expert-backed tools and courses launching soon, built to help Texans get licensed fast and confidently.