If you plan to sell life or health insurance in Texas, you must obtain a Texas insurance agent license and pass the required state licensing exam before conducting business.
Texas does not require pre-licensing education to sit for the exam. However, most applicants use structured exam preparation to understand testable concepts, reduce study time, and improve first-time pass confidence.
This guide explains how Texas life and health licensing works, what preparation is recommended, how long the process takes, and what your next steps should be.
What Is a Texas Life & Health Insurance License?
A Texas Life & Health insurance license authorizes an agent to sell life insurance, accident and health insurance, annuities, and related products in the state of Texas.
This license is commonly referred to as the Texas Life and Health license and is required for individuals working with insurers, agencies, or brokerages offering these products.
Texas Exam Preparation Requirements
Texas does not mandate pre-licensing education hours prior to the state exam. Applicants may register for the licensing exam without completing a formal course.
Even though education is not required, the Texas Life & Health exam covers detailed insurance concepts, state regulations, and policy provisions. Many applicants choose structured exam preparation to avoid unnecessary retakes and delays.
Exam preparation courses focus on exam-relevant material, practice questions, and study structure rather than general insurance theory.
What Texas Life & Health Exam Preparation Covers
Texas exam preparation typically includes life insurance fundamentals, health insurance concepts, policy provisions and riders, annuities, Texas insurance laws and regulations, ethics, consumer protection, and exam-style practice questions.
Because the exam is standardized, effective preparation focuses on how questions are asked and how concepts are tested rather than memorization alone.
How Long Does It Take to Prepare for the Texas Exam?
Most students prepare for the Texas Life & Health exam within one to three weeks when studying consistently. Preparation time varies based on prior experience and daily study availability.
Once ready, applicants can schedule the exam immediately and move into the application process after passing.
Texas Licensing Timeline
The licensing process generally follows these steps:
- Prepare for the Texas Life & Health licensing exam using structured exam prep
- Schedule and pass the Texas state licensing exam
- Submit fingerprints and required background information
- Submit the license application
- Receive state approval before selling insurance
Many delays occur when applicants underestimate the exam or attempt it without proper preparation. A clear study plan helps keep the process moving efficiently.
What Happens After You Pass the Exam?
Passing the Texas licensing exam does not automatically grant a license. Applicants must still complete fingerprinting, submit their application, and receive approval from the Texas Department of Insurance.
Understanding these steps ahead of time prevents confusion after exam day and helps avoid delays in license issuance.
Choosing the Right Texas Exam Preparation Option
Because Texas does not require pre-licensing education, selecting the right exam preparation is especially important.
When comparing Texas exam prep options, look for exam-focused instruction, realistic practice questions, structured study progression, and clear guidance on Texas licensing steps.
A strong preparation program helps reduce anxiety, shorten study time, and improve first-time pass outcomes.
Next Steps
If your goal is to obtain a Texas Life & Health insurance license efficiently, your next step is using a structured Texas exam preparation program that aligns with the state exam and licensing process.
Proper preparation provides a clear path from exam readiness to license approval and helps you move forward with confidence.
