Course books are organised by chapter. The exam is organised by weight: 130 scored questions split across 13 content areas, and 30 of them on Texas law. This plan spends your time the way the exam spends its questions.
| Day | Focus | Outline sections | Why now |
|---|---|---|---|
| 1 | Check-up, 15 questions across every section | all | Find your three weakest sections before you spend a minute reading. Set your exam date. |
| 2 | Your weakest section, from the check-up | varies | The biggest gains are where you know least. |
| 3 | Types of life policies | G-I (15 scored) | Whole life, term, universal, variable: the vocabulary the rest of the life part depends on. |
| 4 | Life riders, provisions, options, exclusions | G-II (15) | Grace period, incontestability, nonforfeiture, settlement options, beneficiary rules. |
| 5 | Application, underwriting, delivery | G-III (12) + Field underwriting G-IX (8) | Representations vs warranties, conditional receipts, the agent's duties: 20 questions between them. |
| 6 | Texas law, part one | TX-I (14) + TX-II (6) | Commissioner's powers, licensing, unfair practices, required and prohibited life provisions. Day 6, not day 13. |
| 7 | Review day: everything you missed in days 1–6 | — | First spaced return. Short session, then rest. |
| 8 | Types of health policies | G-V (16) | The single heaviest section: disability income, medical expense, long-term care, business policies. |
| 9 | Health provisions, clauses, riders | G-VI (15) | Required and optional provisions, renewability, preexisting conditions, coordination of benefits. |
| 10 | Social insurance + other health concepts + retirement | G-VII (6), G-VIII (5), G-IV (8) | Medicare, Medicaid, Social Security, group vs individual, taxation, annuities. Many small topics, one day. |
| 11 | Texas law, part two | TX-III (7) + TX-IV (3) | Health-specific Texas rules, Medicare supplement standards, newborn coverage, HMOs. |
| 12 | Mini mock, 30 questions, timed | all, weighted | Your first readiness number. Below 70% on unseen questions: add a week. 70–80%: two more review days. 80%+: book it. |
| 13 | Your misconceptions: every question you were sure about and got wrong | — | Sure-and-wrong is the most expensive kind of wrong. One pass, read every explanation. |
| 14 | Light review, then stop by 8 pm | — | Fifteen questions on what you fixed yesterday. Then sleep. Tomorrow: two IDs, arrive 30 minutes early. |
Four weeks at 45 minutes lets you see every open topic twice and run two full-length mocks. Spread the same order over the extra days; do not add reading. The marginal hour is better spent on questions you have not seen than on a chapter you have.
This is what "Texas law, part one" looks like on the exam.
To lower her premium, an applicant asks a Texas insurer to date her new whole life policy eight months before the date of her application so that she will be rated at a younger age. The insurer must
A policy may not be issued or take effect more than six months before the date of the original application if that causes the insured to be rated at a younger age; an eight-month backdate is forbidden.
With no insurance background, two to four weeks at about 45 minutes a day is enough to work through the outline once and review what you missed. Fourteen days works if you can hold the daily habit; stretch it to three or four weeks if you cannot.
No. Texas does not require a course for the Life, Accident & Health license; the handbook steps are exam, fingerprints, application. Study from the free outline (Pearson VUE 124401) and practice questions with explanations.
Practice questions with the explanation for every wrong option, in the proportions of the exam outline, with Texas law treated as a full section. Reading and flashcards build recognition; the exam tests choosing between four familiar-sounding options.
Score 80% or better, timed, on questions you have never seen, including the Texas-law part. That margin covers a harder-than-average form and test-day nerves. The pass mark is a scaled 70, not 70% correct.
This plan is built into the app. Set your exam date, do the 15-question check-up, and Steadyclimb lays out each day in this order, rewriting it after every session based on what you actually get right. Free, no sign-in.
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