Texas · Property & Casualty (General Lines)

The TX P&C exam has 110 questions.
You only need to win the ones you'll actually face.

110 questions, 2 hours, 70% to pass. Our 50-question diagnostic finds your weak topics before you study, then a ~2-hour core of 5–6-minute lessons aims straight at them. From $19.99 — full course $49.99, no access clock. Launching October 26, 2026.

The exam, by the numbers

What you're walking into.

Texas General Lines (P&C) basics — confirm the current details with the Texas Department of Insurance and your exam administrator before you schedule.

110
multiple-choice questions
2 hrs
time limit
70%
to pass

A fact worth knowing: Texas requires no pre-licensing education for the General Lines P&C license — the 40-hour course you may have heard about applies to the temporary license only. (Other license types and states have their own rules.) The Cram Lab is exam prep — the course that gets you through the test itself. Verify everything with TDI before booking.

The topic map

Every exam has a shape. Study the shape.

The TX P&C exam splits roughly into national concepts and Texas law. The diagnostic weights your study time toward the columns where you're bleeding points.

General insurance concepts
Risk, hazard vs. peril, indemnity, insurable interest, subrogation, negligence
The vocabulary the whole test speaks — shaky here, shaky everywhere
Property insurance
HO and DP forms, dwelling coverage, coinsurance math, ACV vs. replacement cost
Coinsurance penalties and HO-form differences are point factories
Casualty & liability
CGL, business auto, workers' comp, bonds, negligence elements
"EXCEPT" questions — four right-looking answers, one wrong word
Texas law & ethics
Licensing, unfair trade practices (rebating, twisting), producer duties, TDI rules
The section that fails people who only studied coverage
№ 4 Taste the method

5 TX-style questions. Instant explanations.

The full diagnostic is 50 questions with a topic gap map. This is five.

Question 1 of 50 correct
Done

You answered 0 of 5 correctly

Sample questions are illustrative of exam style and topic — they are not actual exam questions.

Texas FAQ

Texas-specific answers.

The Texas Property & Casualty (General Lines) exam has 110 multiple-choice questions with a 2-hour limit and a 70% passing score. Always confirm current details with TDI and your exam administrator before scheduling.

There's nothing to satisfy. Texas requires no pre-licensing education for the General Lines P&C license — the 40-hour course you may have heard about applies to the temporary license only. (Other license types and states have their own rules — check the Texas Department of Insurance.) The Cram Lab is exam prep — the course that gets you through the test itself.

Yes — the TX state-law track covers licensing rules, unfair trade practices (rebating, twisting, defamation), producer duties, and TDI regulations. Heads-up: those lessons are drafted from TDI sources and in final expert review; nine subject-matter flags are open, and a flagged fact ships only once confirmed. We'd rather hold a lesson than teach a wrong number.

The core is about two hours of short lessons at your own pace — steady sessions over a few weeks will get you through it. Your live readiness score tells you when you're ready: when it clears 85% across all topics, book the test.

October 26, 2026 — TX is the first state track. FL, CA, and GA tracks are under construction and get added in state order by demand. Join the invite list below for first access.

launching October 26, 2026 Get your invite

Start your TX diagnostic.

No account. No card. No 20-minute sales video. Tell us which exam you're cramming for and we'll send your diagnostic invite when we launch. Start at $19.99 — go all in at $49.99 when you're ready.

Your diagnostic invite lands here.