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Texas Life and Health practice exam (LAH05)
The Texas life and health exam (Life, Accident and Health, LAH05) has 130 scored questions (100 general life and health + 30 Texas law) plus 15 unscored pretest questions, in 150 minutes. Passing is 70 on the state's scaled score. It is given by Pearson VUE, costs $49 per attempt, and has no limit on attempts.
Source: Pearson VUE candidate handbook; checked November 13, 2026. Rules change: confirm with Texas Department of Insurance.
Free: no email, no sign-up. The clock starts when you press Start and cannot be paused. Written by us in the published exam format; not the real exam.
The Texas exam at a glance
| Questions | 130 (100 general life and health + 30 Texas law) |
|---|---|
| Time | 150 minutes |
| Passing | 70 on the scaled score |
| Given by | Pearson VUE |
Checked November 13, 2026. Sources in the table below.
What the free practice exam gives you
Sample report
A sample result: 67 of 130 correct, shown overall, by part and by topic, with an estimate against the passing line.
A sample report from a made-up run of the free practice exam, scored by the same code as yours. Yours appears the moment the exam ends.
The format, start to finish
130 questions on one 150-minute clock, 100 general life and health + 30 Texas law. Move between questions in any order; flag a question and come back; No penalty for guessing: answer every question.
A score for every part and topic
Correct answers overall, for general life and health and for Texas law, and for each of the 17 general topics, plus how much time each took.
A readiness estimate
Your share of correct answers against the passing line of the Texas exam. It is an estimate, not your exam score.
Explanations
The answers and explanations of the first 10 questions are free; the state-law explanations cite the statute or rule. With the plan, every question.
Try one question first
Example question · Texas law
An agent tells prospects they should buy an annuity from her insurer because "the state guaranty association protects your money." Under Texas law, this is
- prohibited, because the association's existence may not be used to sell insurance
- permitted, as long as the statement about the association is accurate and complete
- permitted, as long as it is made orally and not in written advertising or literature
- required, as part of the point-of-sale disclosure for every annuity sale in Texas
Show the answer
Answer: A. Section 463.451 prohibits using the existence of the guaranty association to sell, solicit or induce the purchase of covered insurance; doing so is an unfair practice under Chapter 541.
Source: Tex. Ins. Code §463.451 — https://statutes.capitol.texas.gov/Docs/IN/htm/IN.463.htm#463.451
More practice exams after the free one, paid once
The free exam is one of 6. Take it first: the report shows whether you need more.
Texas Life and Health practice plan
$39 one payment, 90 days of access
- Every full timed Texas L&H practice exam (6 now, the free one included)
- An explanation for every question, with the law cited for the state-law questions
- The result report after every exam: overall, by part (general and Texas law) and by topic
- A readiness line, labelled as an estimate
- The mistake notebook: redo only the questions you missed
- The topic trainer: drills on the topics you miss most
No subscription, nothing renews. Refund within 14 days if you have started no more than one paid practice exam and answered no more than 30 trainer questions. Payment is processed by Creem, our merchant of record; we never see your card number.
The real Texas exam: what the vendor and the state say
| Vendor | Pearson VUESource: Pearson VUE candidate handbook |
|---|---|
| Scored questions | 130: 100 general life and health + 30 Texas law, scored together as one examSource: Pearson VUE content outline |
| Unscored pretest questions | 15 more (10 general + 5 Texas law). They are not marked in the exam, so answer every questionSource: Pearson VUE content outline |
| Time | 150 minutesSource: Pearson VUE candidate handbook |
| Passing score | 70 on the scaled score, set by the Texas Department of Insurance. A scaled score is not the same as 70 percent correctSource: Pearson VUE candidate handbook |
| Exam fee | $49 per attemptSource: Pearson VUE candidate handbook |
| Retakes | No limit on attempts; you can retest from the next daySource: Pearson VUE candidate handbook |
| Passing score valid for | The handbook says to apply within 12 months of passingSource: Pearson VUE candidate handbook |
| Pre-licensing course | Not required in TexasSource: Texas Department of Insurance |
| General part (100 scored) | Types of life policies (15), riders, provisions and options (15), application, underwriting and delivery (12), retirement and other concepts (8), health policy types (16), health provisions and clauses (15), social insurance (6), other health concepts (5), field underwriting (8)Source: Pearson VUE content outline (effective 2026-09-01) |
| Texas law part (30 scored) | Statutes and rules common to life and health (14), life insurance only (6), accident and health only (7), HMOs (3)Source: Pearson VUE content outline (effective 2026-09-01) |
Checked November 13, 2026. Rules change: confirm on Texas Department of Insurance before you book.
Questions about the Texas practice exam
How many questions are on the Texas life and health exam?
130 scored questions (100 general life and health and 30 Texas law) in 150 minutes, plus 15 unscored pretest questions that are not marked, according to the Pearson VUE outline and handbook.
What is the passing score for the Texas life and health exam?
70 on the scaled score, according to the Pearson VUE candidate handbook. A scaled score is not the same as 70 percent correct, so the readiness line on our report is only an estimate.
How hard is the Texas life and health exam?
We do not state a pass rate, because we have not confirmed a current one from a primary source. The exam is 130 scored questions on one 150-minute clock, and the 30 Texas law questions are about 23 percent of it. A timed practice exam shows which topics cost you points.
How many times can I retake the Texas life and health exam?
The Pearson VUE handbook says there is no limit on attempts and you can retest from the next day. Each attempt costs $49.
Do I need a course before the Texas life and health exam?
The Texas Department of Insurance says a pre-licensing course is not required. Check its page before you apply.
What is on the Texas law part of the exam?
30 scored questions: statutes and rules common to life and health (14), life insurance only (6), accident and health only (7) and HMOs (3). They cite the Texas Insurance Code and Title 28 of the Texas Administrative Code.
Is this the real Texas exam?
No. It is a practice exam written by us in the format Pearson VUE publishes. None of its questions comes from Pearson VUE, a course or another site.
What does the free practice exam include?
A full-length, timed exam of 130 questions, the result report overall, by part and by topic, and the answers and explanations of the first 10 questions.
How is the readiness line worked out?
The passing score is 70 on the state's scaled score; we compare your share correct with about 70%. This is an estimate, not your exam score.
About the paid plan
What do I get when I pay?
90 days of access to every full timed practice exam of your state exam, an explanation for every question, the result report, the mistake notebook and the topic trainer. It is one payment of $39 per state and line, not a subscription.
How fast do I get access?
The moment the payment goes through. The next page has the button to your dashboard, and we email a sign-in link. There is no password: on another device you enter the email you paid with and we send a 6-digit code.
Can I get my money back?
Yes. Write to support@insurancelicensepractice.com within 14 days of purchase and we refund the full price, no reason needed, as long as no more than one paid practice exam has been started and no more than 30 trainer questions answered. If something is broken on our side, tell us at any time.
Who charges my card?
Payment is processed by Creem, our merchant of record; we never see your card number.
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