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The Texas General Lines - Life, Accident, Health and HMO license

General Lines - Life, Accident, Health and HMO

The main Texas life and health license, and Texas requires no pre-licensing course for it either. The examination itself is waived for a Chartered Life Underwriter.

Course

None

This license has no pre-licensing course route.

Ways in

4

3 of them skip the state exam.

Exam

Not confirmed

Required on some routes and not others.

Every way to qualify

More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. There is no pre-licensing course among them: this license is qualified for by sitting the examination, a designation already held, a license held in another state or a license already held.

  1. Route 1 Pass the examination

    State exam required

    The Department's application page lists taking the examination as the first step and states no education requirement. A sourced zero rather than a line we have not read. A one-time 180-day temporary license is offered for this license and is issued once and never renewed. Its 40 hours of training are given by the appointing company under Tex. Ins. Code 4001.160(a), which is a duty on the employer rather than on the applicant, and the temporary holder still has to pass the examination inside the 180 days to keep the license.

    Read at the Department on 2026-08-14

  2. Route 2 Hold the Chartered Life Underwriter designation

    Exempt from the state exam

    • CLU Chartered Life Underwriter, from The American College of Financial Services

    TDI lists the Chartered Life Underwriter designation as a reason no examination is needed. The Life Agent license beside it, which is narrower, carries no designation waiver at all.

    Read at the Department on 2026-08-17

  3. Route 3 Hold the same license in a reciprocal state

    Exempt from the state exam

    • a general lines life, accident, health and HMO license in good standing in a reciprocal state

    TDI's page waives the examination for a non-resident who holds the license in good standing in a reciprocal state. It is a waiver of the examination and not of the application: the fee, the fingerprints and the Sircon filing all stand.

    Read at the Department on 2026-08-17

  4. Route 4 Reinstate a license that expired between 90 days and a year ago

    Exempt from the state exam

    • a Texas general lines life, accident, health and HMO license that expired more than 90 days and less than one year ago

    TDI lists an expired license among the reasons no examination is needed, and it is bounded at both ends: inside the first 90 days the renewal process is used instead, and after a year the examination comes back. So this route begins where renewal stops.

    Read at the Department on 2026-08-17

Courses

You do not have to buy any of this. The Texas Department of Insurance asks for no pre-licensing course, so nothing below is required of you. They are exam prep, priced here so you can see what they cost.

  • A.D. Banker & Company

    Exam practice. No course is required, so this is what to study.

    $79.95 to $296.85

    See 6 options ▾
    Go to A.D. Banker & Company

  • Kaplan Financial Education

    Exam practice. No course is required, so this is what to study.

    $169.00 to $329.00

    See 2 options ▾

    • Spanish Life & Health Online Course - Texas

      $169.00

    • Premium (Live Online) - Life & Health

      Instructor-Led Class · InstructorLink · Study Plan · Video & Audio Review · InsurancePro QBank · Student Community · Checkpoint Exams · Performance Tracker · Pre-Study Assessment read 2026-08-22

      $329.00

    Go to Kaplan Financial Education

  • ExamFX

    Exam practice. No course is required, so this is what to study.

    $169.95 to $299.95

    See 3 options ▾

    • Texas Life and Health - Self-Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22

      $169.95

    • Texas Life and Health - Video Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $219.95

    • Texas Life and Health - Live Online Study Package

      Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $299.95

    Go to ExamFX

  • WebCE

    Exam practice. No course is required, so this is what to study.

    $109.95 to $159.95

    See 2 options ▾

    • TX General Lines Life, Accident and Health Agent Exam Prep Complete Package

      $109.95

    • TX General Lines Life, Accident and Health Agent Exam Prep Plus Complete Package

      $159.95

    Go to WebCE

  • XCEL Solutions

    Exam practice. No course is required, so this is what to study.

    $199.00 to $299.00

    See 2 options ▾

    • Texas Life and Health Pre-licensing

      $199.00

    • Texas Life and Health Pre-licensing Premier

      $299.00

    Go to XCEL Solutions

  • Mometrix

    Exam practice. No course is required, so this is what to study.

    $59.99/month

    See 1 option ▾

    • Life and Health Insurance Exam Prep Course

      $59.99/month

    Go to Mometrix