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Free Texas Life Insurance Practice Exam Online

Official exam: Life Insurance Producer (Texas)

Take a free Texas Life Insurance practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 222-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 Insurance Producer (Texas): a 222-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 4 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 (59%) and texas.public.law (26%) 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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4
full papers, no repeats
50
questions per paper
222
questions in the bank
What this exam covers
5 real sample questions
Under §4001.203, an agent's appointment with an insurer may be ended by which party or parties?
A. Only the insurer
B. Only the agent
C. Only the Texas Department of Insurance
D. Either the insurer or the agent
Show answer and reasoning

Correct answer: D. Either the insurer or the agent

  • A: The statute is not limited to insurer-initiated termination
  • B: The statute is not limited to agent-initiated termination
  • C: TDI is not the party that terminates or withdraws the appointment under this section
Source: Texas Insurance Code §4001.203 — Term of Appointment; https://texas.public.law/statutes/tex._ins._code_section_4001.203
Under §4004.051, what portion of a Texas agent's required continuing education hours must be completed in a classroom setting or approved classroom-equivalent setting?
A. At least 25 percent
B. At least 75 percent
C. 100 percent
D. At least 50 percent
Show answer and reasoning

Correct answer: D. At least 50 percent

  • A: 25 percent is below the statutory minimum
  • B: 75 percent exceeds the statutory minimum; the statute sets it at 50 percent
  • C: The statute does not require the full 100 percent be classroom-based
Source: Texas Insurance Code §4004.051 — General Requirements; https://texas.public.law/statutes/tex._ins._code_section_4004.051
By when must a Texas agent complete the continuing education hours required for a given license period?
A. Within 30 days after the license expiration date
B. Any time during the two-year period following expiration
C. Only if selected for a random compliance audit
D. Before the license expiration date
Show answer and reasoning

Correct answer: D. Before the license expiration date

  • A: The statute does not allow a 30-day grace window after expiration to still count as timely completion
  • B: The statute requires completion before, not after, the expiration date
  • C: Completion is required regardless of whether the agent is audited
Source: Texas Insurance Code §4004.051 — General Requirements; https://texas.public.law/statutes/tex._ins._code_section_4004.051
Under §4004.053, an individual holding a general life, accident, and health license, a life agent license, or a general property and casualty license must complete how many hours of continuing education per license period?
A. 12 hours
B. 24 hours
C. 18 hours
D. 30 hours
Show answer and reasoning

Correct answer: B. 24 hours

  • A: 12 hours is below the statutory requirement for these license types
  • C: 18 hours is not the figure set by §4004.053
  • D: 30 hours exceeds the statutory requirement; the code sets it at 24 hours
Source: Texas Insurance Code §4004.053 — Continuing Education Requirements by License Type; https://texas.public.law/statutes/tex._ins._code_section_4004.053
Under the Texas Insurance Code, a person is considered to be acting as an insurance agent if the person does which of the following?
A. Merely tells a customer the name and phone number of a licensed agent without discussing policy terms
B. Receives, collects, or transmits an insurance premium on behalf of an insurer
C. Works as a salaried clerical employee who only files paperwork already completed by a licensed agent
D. Answers the phone at an insurance agency and takes messages for a licensed agent
Show answer and reasoning

Correct answer: B. Receives, collects, or transmits an insurance premium on behalf of an insurer

  • A: Section 4001.051 expressly excludes merely referring a customer to a licensed agent, as long as the unlicensed person does not discuss specific policy terms or conditions
  • C: Purely clerical duties that do not involve soliciting, negotiating, or handling premiums do not by themselves constitute acting as an agent
  • D: Taking a phone message alone does not involve any of the acts listed in §4001.051
Source: Texas Insurance Code §4001.051 — Acts Constituting Acting as Agent; https://texas.public.law/statutes/tex._ins._code_section_4001.051
Same exam, other states
CAFLILNYOHPA
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 Insurance practice exam online?
Right here. CertQuestUSA's free Texas Life 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 222-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 Insurance Producer (Texas) practice test?
222 questions total, split into 4 full papers of 50 each with no repeats across papers.
What topics does the Life Insurance Producer (Texas) test cover?
8 domains, with the heaviest weight on TX Insurance Producer Licensing Law (32%), Policy Provisions, Riders, Options, and Exclusions (14%), and Types of Life Policies (14%).
Where do CertQuestUSA's Life Insurance Producer (Texas) questions come from?
Primarily content.naic.org (59%) and texas.public.law (26%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life 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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