UPDATED FOR THE SEPTEMBER 1, 2026 OUTLINE

The Texas Life & Health exam outline, explained.

You will find three different question counts online. Here is the current one, straight from Pearson VUE's content outline (publication 124401) and candidate handbook (124400).

145TOTAL QUESTIONS
130SCORED
15PRETEST, UNSCORED
150MINUTES

How it is scored

You get a scaled score from 0 to 100 and need 70. It is not a percentage and not "70 right." The exam is scored as a whole, not part by part, so a weak Texas-law section can be carried by a strong general section and vice versa. The 15 pretest questions are mixed in and not identified; answer every question as if it counts.

Pearson VUE does not publish how many correct answers a scaled 70 takes, and the handbook explains that the raw cut is adjusted for each form's difficulty. Steadyclimb draws its pass line at 91 of 130 (70%) as an estimate and asks you to reach 104 (80%) in practice before calling you ready, because practice is kinder than the test center.

Section weights

CodeSectionScored questions
G-ITypes of policies15
G-IIPolicy riders, provisions, options, and exclusions15
G-IIICompleting the application, underwriting, and delivering the policy12
G-IVRetirement and other insurance concepts8
G-VTypes of policies (health)16
G-VIPolicy provisions, clauses, and riders (health)15
G-VIISocial insurance6
G-VIIIOther insurance concepts (health)5
G-IXField underwriting procedures8
TX-ITexas statutes and rules common to life and accident & health14
TX-IITexas statutes and rules pertinent to life only6
TX-IIITexas statutes and rules pertinent to accident and health only7
TX-IVTexas statutes and rules pertinent to HMOs3
General100
Texas law30

Health (G-V through G-VIII) is 42 of the 100 general questions. Texas law is 30 of 130 and is where most people lose points, because course books cover it last and thinly.

Why the counts online disagree

Older study guides, other states' exams and the separate life-only and health-only Texas exams all quote different totals. For the combined Life, Accident & Health exam, the current outline (Pearson VUE publication 124401, effective September 1, 2026) is 145 questions: 130 scored and 15 unscored pretest.

The number that matters for your prep is 130 scored, weighted as above. Steadyclimb's question bank follows these weights within the general and Texas-law parts.

See where you stand on this outline. A 15-question check-up gives you a projected score on the 130 scale and the three sections to fix first.

Start the check-up free