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Free Texas Life and Health Insurance Practice Exam Online

Official exam: Life & Health Insurance Producer (Texas)

Take a free Texas Life and Health Insurance practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 178-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Life & Health Insurance Producer (Texas): a 178-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily content.naic.org (56%) and healthcare.gov (14%) of this exam's citations.

Take a full practice test free. 50 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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3
full papers, no repeats
50
questions per paper
178
questions in the bank
What this exam covers
5 real sample questions
Under Tex. Ins. Code Section 4004.054, how many hours of continuing education in ethics must each individual who holds a department-issued license complete during each license renewal period?
A. 1 hour
B. 5 hours
C. 2 hours
D. 3 hours
Show answer and reasoning

Correct answer: D. 3 hours

  • A: This figure is lower than the amount specified in Section 4004.054.
  • B: This figure is higher than the amount specified in Section 4004.054.
  • C: This figure is lower than the amount specified in Section 4004.054.
Source: Tex. Ins. Code Section 4004.054
Under Texas Insurance Code Section 4054.051, which of the following activities specifically requires a producer to hold a general life, accident, and health license?
A. Representing a health maintenance organization (HMO) as an agent
B. Adjusting property claims after a hailstorm
C. Selling only bail bonds
D. Notarizing a life insurance application
Show answer and reasoning

Correct answer: A. Representing a health maintenance organization (HMO) as an agent

  • B: Adjusting property claims falls under an adjuster license, not the general life, accident, and health license described in Section 4054.051.
  • C: Bail bond activity is regulated separately and is not one of the activities listed in Section 4054.051.
  • D: Notarization is a general notary function unrelated to the license-triggering activities listed in Section 4054.051.
Source: Tex. Ins. Code Section 4054.051
A producer in Texas wants to write fixed and variable annuity contracts as well as variable life insurance contracts. Under Chapter 4054, which license authorizes this activity?
A. A general life, accident, and health license
B. A limited property and casualty license
C. A surplus lines license only
D. No license is required for variable products
Show answer and reasoning

Correct answer: A. A general life, accident, and health license

  • B: A limited property and casualty license does not authorize the sale of life or annuity products.
  • C: A surplus lines license addresses placement of coverage with unauthorized/nonadmitted insurers, not variable annuity or variable life sales.
  • D: Section 4054.051 expressly lists writing fixed or variable annuity contracts and variable life contracts as activities that require licensure.
Source: Tex. Ins. Code Section 4054.051
Under Section 4054.051, an agent for a stipulated premium company who writes life insurance in excess of what dollar amount on any one life must hold a general life, accident, and health license?
A. $10,000
B. $50,000
C. $25,000
D. $100,000
Show answer and reasoning

Correct answer: C. $25,000

  • A: This figure is lower than the threshold actually specified in the statute.
  • B: This figure is higher than the threshold actually specified in the statute.
  • D: This figure is higher than the threshold actually specified in the statute.
Source: Tex. Ins. Code Section 4054.051
Section 4054.051 begins with the phrase "Except as provided by Subchapter G, a person is required to hold a general life, accident, and health license if..." What does this opening clause signal about the structure of Chapter 4054?
A. Subchapter G creates a narrower, separate life-only agent licensing path that carves out an exception to the general license requirement
B. Subchapter G repeals the general license entirely
C. Subchapter G applies only to property and casualty agents
D. Subchapter G has no legal effect and is purely advisory
Show answer and reasoning

Correct answer: A. Subchapter G creates a narrower, separate life-only agent licensing path that carves out an exception to the general license requirement

  • B: The general license requirement remains in force; Subchapter G simply provides an alternate, narrower licensing path (the life agent license), not a repeal.
  • C: Subchapter G of Chapter 4054 (the Life Agent subchapter) concerns life-only agents, not property and casualty agents.
  • D: Statutory text in the Insurance Code has legal effect; the cross-reference to Subchapter G is operative, not advisory.
Source: Tex. Ins. Code Section 4054.051
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (TX)May 2025$51,180/yr

Frequently asked questions

Where can I take a free Texas Life and Health Insurance practice exam online?
Right here. CertQuestUSA's free Texas Life and Health Insurance practice exam online is a full 50-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 178-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Life & Health Insurance Producer (Texas) practice test?
178 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Life & Health Insurance Producer (Texas) test cover?
15 domains, with the heaviest weight on Annuities, Tax, Retirement, Government Programs, and Consumer Accounts (14%), Applications, Underwriting, Delivery, and Field Responsibilities (14%), and Ethics, Suitability, Advertising, and General Regulation (14%).
Where do CertQuestUSA's Life & Health Insurance Producer (Texas) questions come from?
Primarily content.naic.org (56%) and healthcare.gov (14%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life & Health Insurance Producer (Texas) practice test?
Yes -- one full 50-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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