Insurance FAQ
 

How Much Does The Exam Cost To Get A Texas Life And Health Insurance License?



Answer: The amount you pay for each license, is posted on the TX Insurance Department website. Keep in mind, you ALSO have to pay to get fingerprinted and backround checked.

As fees are subject to change, you'll want to check shortly before you register to take the test.
 
 

Any Tips For Taking The Texas Life, Accident, Health Insurance Exam?

Any input at all, how I should be preparing, how long it takes to prepare and what online sources to study would be greatly appreciated and I'll choose a best answer.


Answer: Well, study the materials. Take the practice test. If you can pass the practice test honestly, with 90%, you'll pass the real test. If you can't pass the practice test, you won't pass the real test.

Online sources aren't going to be a good STUDY tool. You need the study materials from the state. If you run out of practice tests, though, you can get more here:

http://www.insurance-schools.com/free_in surance_exam.asp

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How Hard Is The Texas Life Insurance Exam?

I am going to be taking the Texas State Life insurance Exam Saturday and I was wandering if it is very hard and if health insurance will be on the exam?


Answer: Um, have you even looked at the materials? I'm asking, because they include things besides life insurance questions!

Texas has about a 60% first time pass ratio. I think it's because people think they can "wing it" and don't study. If you KNOW the material, you will pass. If you don't, you won't. You can't bluff your way through.

If you can pass the practice exam at 90%, without cheating, the first time you take it, you'll pass the real exam.

Yes, you need to know the AGENT laws, in the book, and accident and health stuff, in addition to the life. Texas doesn't have a life only license.

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Selling Life Insurance In Texas?

I am studying now to take my life & health insurance exam in Texas at the end of this month. I have heard good reviews about Vicki Gunvalson. I admire her work ethic and I would love to be successful like her. However, I have been told that you can’t make good money selling insurance. Is there anyone out there that has signed with her company, sold insurance from home part-time or full-time, or have purchased her internet selling book?
Thanks in advance!


Answer: I've never, ever heard of her . . . and I'm in Houston. Did you get suckered into some "get rich quick" program she's selling? She can't be very good at selling insurance, or she would be selling insurance, instead of trying to recruit others into this. I think she's making her money selling her "how to become rich by being an insurance agent" materials.

95% of new agents wash out. It's VERY hard work. It's 60 - 80 hours of work, the first few YEARS, to establish your book of business - dragging home on average about $50K.

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What Other Concepts Do I Need To Know To Pass The Texas Health And Life Insurance Exam?

I have taken the exam 10 times and I've been 3 or even 1 point short of passing it. I've studied the manual and I pass the online exams with 90 or above. I don't know what else to do! I've noticed that there are some concepts that I don't remember seeing on the practice tests or the manual. Some questions and answers are very confusing and don't make sense; they are also inconsistent/contradictory. I also wanted to know if the exam has changed a lot in the past year. PLEASE, ANYBODY HELP!!!


Answer: OK, every time you see a question that you miss - that 10%, you need to spend a LOT of extra time on it. You need to research each of the options, and figure out exactly WHY the wrong answers are wrong, not just why the right one is right.

The questions are NOT inconsistant or contradictory - they are tricky, tricky, tricky. The method that's worked best for me, is elimination - eliminate the most wrong answer first. Then weigh the remaining three - which one is most wrong? Eliminate that one. Then the last two - which is most wrong? Sometimes, a wrong answer can be wrong, based on an "or" instead of an "and".

Is there someone you can

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