Texas Insurance License Courses Built to Pass First Try
Online pre-licensing and Pearson VUE exam prep for every Texas line of authority — Life, Health, Property & Casualty, and Personal Lines. Built and taught by working Texas agents.
Choose Your CourseChoose your Texas license
Life & Health
Best for agents selling both life insurance and health/Medicare products.
320-question practice bank
Life-Only
Faster path for agents focused on life insurance, annuities, and final expense.
210-question practice bank
Property & Casualty
For agents selling home, auto, and commercial insurance in Texas.
360-question practice bank
Personal Lines
Starter license — covers home and auto only. Fastest path to producing.
180-question practice bank
How Texas insurance licensing works
- 01
Be at least 18 years old
Texas requires all insurance license applicants to be 18 or older. You'll also need a Social Security number and a Texas residence (or non-resident application if you live out of state).
- 02
Complete pre-licensing study
Plan on roughly 40 hours of study per line of authority. Texas doesn't require state-approved hours like some states, but TDI and Pearson VUE both recommend a structured course before testing.
- 03
Schedule the Pearson VUE exam
Register for your exam through Pearson VUE. The cost is $43–$66 depending on line. You can test at a physical center or via OnVUE online proctoring from home.
- 04
Pass with 70% or higher
Texas insurance exams are 100–150 questions and 2 to 2.5 hours long. You need a score of 70% to pass. You'll get a preliminary pass/fail result before leaving the testing center.
- 05
Complete IdentoGO fingerprinting
Once you pass, schedule an IdentoGO appointment for state and FBI background checks. Cost is around $40. Bring your photo ID and your Pearson VUE pass slip.
- 06
Apply via NIPR or Sircon
Submit your Texas insurance license application through NIPR.com or Sircon. The state fee is $50. TDI typically issues the license within 7–10 business days of a clean background check.
Texas exam pass rates
Texas statewide pass rates remain a barrier for unprepared candidates: Life & Health 65.89%, Property & Casualty 64.33%, and Life-only 58.98%. Source: Pearson VUE TX Insurance Examination Pass Rates 2024.
Ava Pro students who complete the full prep program pass at 91%+.
Frequently asked questions
How long does it take to get a Texas insurance license?
Most candidates complete the Texas insurance licensing process in 4 to 6 weeks: roughly 40 hours of pre-licensing study per line, a few days to schedule and pass the Pearson VUE exam, then 1–2 weeks for IdentoGO fingerprinting and TDI license approval through NIPR.
How much does a Texas insurance license cost?
Plan for $250 to $400 total in Texas. The Pearson VUE exam is $43–$66 per attempt, IdentoGO fingerprinting runs about $40, the TDI/NIPR license application fee is $50, and pre-licensing course costs vary by provider and line of authority.
How hard is the Texas insurance license exam?
The Texas insurance exam is challenging: statewide first-time pass rates hover near 65% for Life & Health and Property & Casualty. You need 70% to pass. Candidates who use a structured course with a large practice-question bank pass at significantly higher rates.
Do I need pre-licensing education in Texas?
Texas does not legally mandate pre-licensing hours for every line, but the Texas Department of Insurance and Pearson VUE both strongly recommend a structured pre-licensing course. Most candidates who skip prep fail the exam at least once, costing more in retake fees than the course itself.
What's on the Texas Life and Health insurance exam?
The Texas Life & Health exam covers life insurance policies, annuities, group and individual health, disability income, Medicare and ACA basics, and a dedicated Texas state law section on TDI rules, agent ethics, and licensing statutes. The exam is 150 questions, 2.5 hours.