Pass rates
Texas Life & Health Exam Pass Rate — Why First-Timers Fail
Why TX Life & Health first-time pass rates hover around the mid-50s and how to study the Texas law block that sinks scores.
Public reporting around Texas Life, Accident & Health often shows first-time pass rates only in the mid-50% range. That is not because the math is brutal — it is because the exam mixes a large general section with a Texas-specific block many candidates under-weight.
A candidate can feel fluent on whole life vs term, then lose points on guaranty association purpose, unfair trade practices, replacement paperwork, and fiduciary premium handling.
Treat 70% as a floor in timed mixed mocks, not a stretch goal. If Texas-law tagged drills sit under 65%, delay the booking date. Retakes cost money and calendar time; an extra week of targeted practice is cheaper.
Our bank heavily weights Texas law and ethics on purpose. Drill those until explanations feel obvious, then rebuild stamina with full-length mocks.