How to get a Texas life & health license
Requirements, exam, fees and the order to do things in — from the Texas Department of Insurance and the exam handbook.
Step by step
- Study for the exam — Texas doesn't require a pre-licensing course for this license, but most first-time candidates take an exam-prep course.
- Schedule and pass the state exam with Pearson VUE ($49). Read the candidate handbook.
- Get fingerprinted if required — Required for residents (IdentoGO by IDEMIA; DPS+FBI); fee ~$38-50.
- Apply for the license through NIPR or the Texas Department of Insurance ($50).
- Get appointed by an insurance company (agents) and keep up with continuing education — 24 hours per renewal (license term: 2 years).
Pre-licensing & exam prep courses
- Kaplan Financial Education — state-approved pre-licensing and exam prep, the long-running market leader
- ExamFX — pre-licensing and exam prep with a pass guarantee
- AceableAgent — mobile-first pre-licensing courses
- XCEL Solutions — low-cost online pre-licensing and exam prep
Pick a course approved in Texas (optional here, but it lifts pass rates). Some links may be affiliate links.
Texas Life & Health requirements
| Life & Health (General Lines - Life, Accident & Health; combined) | |
|---|---|
| Pre-licensing education | None required |
| Exam vendor | Pearson VUE |
| Exam fee | $49 |
| Questions / time | 145 (130 scored + 15 pretest) · 150 min |
| License application fee | $50 |
| Fingerprints | Required for residents (IdentoGO by IDEMIA; DPS+FBI); fee ~$38-50 verify |
| Continuing education | 24 hours · 2 years |
Life & Health (General Lines - Life, Accident & Health; combined): No pre-licensing education required. Single combined LAH exam; a separate Life-only 'Life Agent' license exists (exam $39, 120 min). CE 24 h/2 yr incl. 3 h ethics; question count derived from Pearson VUE content outline (100+10 general, 30+5 state).
Minimum age 18. Sources: Pearson VUE Texas Insurance Candidate Handbook · Pearson VUE Texas Insurance Content Outlines (eff. Sep 1 2026) · TDI General lines - life, accident, health and HMO. Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Life & Health license rules across the US
Other Texas licenses
Property & Casualty license · Adjuster license · All Texas insurance licenses
Questions
How long does it take to get a life and health insurance license in Texas?
Texas has no required pre-licensing hours, so many candidates sit the exam within 1–3 weeks of studying. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Texas Life & Health license cost?
State fees (exam + application) come to about $99, plus fingerprints and a course if you take one.
Who runs the Texas insurance exam?
Pearson VUE. Book the exam on the vendor's site after reading the candidate handbook.