The Texas Life and Health insurance license is officially called the General Lines – Life, Accident, Health and HMO license. It provides broad authority to sell both life and health insurance products in Texas.
This guide explains what the Texas Life and Health insurance license allows you to sell, how the state exam works, how to prepare, and the requirements to become licensed.
For the complete licensing process, including fingerprinting, application procedures, fees, and state requirements, review our Texas Insurance License Requirements page.
What Is the Texas Life and Health Insurance License?
Texas officially calls this license the General Lines – Life, Accident, Health and HMO license. It is the primary Texas license for agents who plan to work across both life and health insurance markets.
The license provides authority for products that may include:
- Term and permanent life insurance
- Annuities
- Individual and group health insurance
- Accident and health coverage
- Disability income insurance
- Medicare supplement coverage
- Long-term care insurance
- HMO products
Certain products may require additional training, certification, registration, or other requirements before they can be sold.
Unlike the Texas Life Insurance License, which provides more limited Life authority, the General Lines license includes both Life and Accident, Health and HMO authority.
Texas does not offer a separate general Health-only agent license comparable to the separate Health licenses available in many other states.
Is Pre-Licensing Education Required in Texas?
No. Texas does not require applicants to complete a state-mandated pre-licensing education course before taking the General Lines – Life, Accident, Health and HMO licensing exam.
Applicants are responsible for preparing for the examination and can choose the study method or exam preparation program that works best for them.
Because there is no required number of education hours, exam preparation should focus on the material contained in the Texas examination content outline and developing consistent performance on exam-style questions.
Texas Life and Health Insurance Exam
The Texas General Lines – Life, Accident and Health licensing examination is administered by Pearson VUE.
The English examination is exam series InsTX-LAH05 and allows 150 minutes for completion.
The examination covers both general insurance knowledge and Texas-specific insurance laws and regulations. A scaled score of 70 is required to pass. The reported score is a scaled score and should not be interpreted as the percentage of questions answered correctly.
What Texas Life and Health Insurance Exam Prep Covers
Texas Life and Health exam preparation should follow the state’s examination content outline and prepare applicants for both general insurance concepts and Texas-specific material.
Topics include:
- Life insurance fundamentals
- Life insurance policy types
- Health insurance concepts and policy types
- Policy provisions and riders
- Annuities
- Disability income insurance
- Accident and medical expense coverage
- Texas insurance laws and regulations
- Agent responsibilities and consumer protections
Our Texas Life and Health Insurance Exam Prep includes exam-style practice questions and timed practice exams to reinforce the material and help you determine when you are ready for the licensing exam.
How Long Should You Prepare for the Texas Life and Health Exam?
Many applicants prepare for the Texas Life and Health insurance exam within two to four weeks when studying consistently.
Rather than scheduling the exam based only on the number of days you have studied, use your understanding of the material and performance on comprehensive practice exams to determine when you are ready to test.
Texas Life and Health Insurance Licensing Requirements
The standard licensing process generally follows these steps:
- Prepare for the Texas General Lines – Life, Accident, Health and HMO licensing exam
- Schedule and pass the state licensing exam through Pearson VUE
- Complete the required fingerprinting and background check
- Submit the resident license application through Sircon or NIPR
- Receive approval from the Texas Department of Insurance
Texas requires applicants to pass the applicable licensing examination before submitting the permanent resident license application. The application must be submitted within one year of passing the exam or the examination must be taken again.
For detailed fingerprinting, application, fees, and licensing instructions, review our Texas Insurance License Requirements page.
Texas Life and Health vs. Life
Texas has two primary licensing options relevant to agents entering the Life and Health insurance market:
- Life and Health: General Lines – Life, Accident, Health and HMO authority
- Life: Life Agent authority
The General Lines license provides the broader authority and is appropriate for agents who plan to sell both life and health insurance products.
The Life Agent license is designed for agents who do not need the broader Accident, Health and HMO authority.
For more information about the Life-only option, review our Texas Life Insurance License Guide.
Choosing Texas Life and Health Insurance Exam Prep
Because Texas does not require state-mandated pre-licensing education, applicants can choose exam preparation based on how effectively it prepares them for the General Lines licensing examination.
Look for Texas-specific instruction, exam-style practice questions, timed practice exams, and feedback that identifies areas requiring additional review.
National Online Insurance School’s Texas Life and Health course is designed specifically for exam preparation and does not represent a state-required education-hour requirement.
Frequently Asked Questions
What is the Texas Life and Health insurance license officially called?
Texas officially calls it the General Lines – Life, Accident, Health and HMO license.
Does Texas require pre-licensing education for a Life and Health insurance license?
No. Texas does not require applicants to complete a specific pre-licensing course or number of education hours before taking the General Lines licensing examination.
What exam do you take for a Texas Life and Health insurance license?
Applicants pursuing the General Lines – Life, Accident, Health and HMO license take the corresponding Pearson VUE examination. The English exam series is InsTX-LAH05.
What score do you need to pass the Texas Life and Health insurance exam?
Texas requires a scaled score of 70 to pass. The scaled score is not the percentage of examination questions answered correctly.
Does Texas have a separate Health-only insurance license?
Texas does not offer a separate general Health-only agent license. Agents who want broad Health insurance authority typically pursue the General Lines – Life, Accident, Health and HMO license.
Do you need to pass the Texas insurance exam before applying for the license?
Yes. Applicants pursuing the standard permanent resident license must pass the applicable licensing exam before submitting the license application.
How long do you have to apply after passing the Texas insurance exam?
The resident license application must be submitted within one year of passing the examination. Otherwise, the applicant must retake the exam.
Next Steps
If you plan to become licensed to sell both Life and Health insurance in Texas, the next step is preparing for the General Lines – Life, Accident, Health and HMO licensing examination.
Review our Texas Life and Health Insurance Exam Prep to prepare for the Texas state exam.
