Most cost guides are written by schools and quietly fold a $200 course into "the total." Here are the fees the state and its vendors charge, where each one comes from, and the two ways the bill grows.
| Item | Cost | Paid to | Source |
|---|---|---|---|
| Exam: General Lines Life, Accident & Health | $49 | Pearson VUE, at booking | Handbook 124400 |
| Exam: Life Agent (life only), if that is your license | $39 | Pearson VUE, at booking | Handbook 124400 |
| Digital fingerprints and background check | about $40–50 | IdentoGO by IDEMIA | IdentoGO sets it; shown at booking |
| License application | $50 per license type | TDI, through Sircon | Handbook 124400 |
| Application processing fee | a few dollars | Sircon / NIPR | Shown at checkout |
| Total, passing first time | about $145 |
The handbook names IdentoGO by IDEMIA for fingerprints but does not print its fee; third-party guides quote about $41 to $50 under service code 11G6QF, and the exact amount appears when you book. The application fee is quoted from the handbook: "The license application fee is $50 per license type." The handbook says exam fees are paid by card or voucher at reservation, are non-refundable and non-transferable except under its cancellation rules, and are not accepted at the test center. Application fees are also non-refundable. Check the current handbook before you book; fees change and this page cannot change with them automatically.
In 2025, 57% of first-time candidates passed the Life, Accident & Health exam, so 43% paid the $49 at least twice. Retakes themselves pass only 40% of the time, so a third sitting is common. The cheapest line in this budget is not the course you skip; it is the retake you avoid. Pass rates, month by month ›
Texas does not require pre-licensing education for this license. The candidate handbook's steps are: book the exam, book fingerprints, sit the exam, get fingerprinted, apply. No course appears in them, and TDI and Pearson VUE "do not endorse or provide any particular study materials." Agencies often require a course internally or provide one at no cost; if you are paying out of pocket, typical prices run from under $100 for a question bank to several hundred dollars for a full course. Whatever you buy, it is the practice questions that pass people, not the hours of video.
At a minimum, how often must the Texas Department of Insurance examine a carrier authorized to engage in business in this state?
TIC Sec. 401.052(a) directs the department to visit and examine a carrier as frequently as it considers necessary but, at a minimum, not less frequently than once every five years.
$49 per attempt for the General Lines Life, Accident & Health exam, $39 for the Life Agent exam, paid to Pearson VUE when you book. A retake costs the same fee again. Source: Pearson VUE candidate handbook 124400.
No. Texas does not require a pre-licensing course for the Life, Accident & Health license. The handbook's licensing steps are exam reservation, fingerprints, exam, then the application. Courses are optional and typically run from under $100 to a few hundred dollars.
About $145 in required fees if you pass on the first try: $49 exam, roughly $40–50 for fingerprints through IdentoGO, and $50 for the TDI application plus a small processing fee. Each retake adds $49.
No. The handbook states exam fees are non-refundable and non-transferable except as described in its cancellation rules, and the $50 application fee is also non-refundable.
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