- What the 2026 Pass Rate Numbers Actually Say
- First-Time vs. All-Attempt: Why the Gap Matters
- How the InsTX-PC06 Format Shapes Your Odds
- Where Candidates Lose Points: The 8 Domains
- Texas Law: The 23.08% That Trips Up Newcomers
- Registration and Retake Mechanics That Affect Outcomes
- A Domain-Weighted Study Timeline
- Frequently Asked Questions
- January-July 2026 English results show a 60% first-time pass rate and a 50% all-attempt pass rate.
- Passing InsTX-PC06 requires a scaled score of 70 - not 70% of questions correct.
- Texas-specific law (Domains 7-8) accounts for 23.08% of the scored exam.
- The exam has 145 questions (130 scored, 15 pretest) in 150 minutes at Pearson VUE centers only.
What the 2026 Pass Rate Numbers Actually Say
The Texas Department of Insurance publishes candidate performance data for the Texas General Lines - Property & Casualty Agent Exam, and the official English-language results for January through July 2026 give a clear picture: a 60% first-time pass rate and a 50% all-attempt pass rate. Those two numbers, sitting side by side, tell you almost everything you need to know about how this exam behaves in practice.
A 60% first-time rate means that four in ten people who walk into a Pearson VUE center for InsTX-PC06 walk out without a passing scaled score. That is not a "gimme" licensing exam, but it's also not an outlier for a state insurance producer exam. The lower all-attempt figure of 50% is the more revealing number - it shows that repeat test-takers, as a group, don't automatically improve their odds. Some do, but the aggregate pulls down rather than up, which usually signals that people are retesting without meaningfully changing how they prepare.
First-Time vs. All-Attempt: Why the Gap Matters
The ten-point spread between the first-time rate (60%) and the all-attempt rate (50%) is worth sitting with. In many licensing exams, the all-attempt rate is close to the first-time rate because most candidates pass on try one or two. Here, the gap suggests a meaningful subset of candidates fail multiple times.
Two forces likely drive this pattern for the Texas General Lines - Property & Casualty Agent Exam specifically:
- Scaled scoring confusion. Because passing is a scaled score of 70 rather than a raw 70% correct, some candidates misjudge how close they actually were and retest without adjusting their study approach.
- Breadth across eight domains. With property, casualty, and Texas law all tested in one sitting, a candidate who is strong in property but weak in Texas statutes can fail even with solid overall knowledge - and may not know which domain sank them.
If you want a domain-by-domain diagnostic before you sit for the exam, the TXGLPC Exam Domains 2026 guide breaks down all eight content areas so you can target weak spots before they cost you the scaled points you need.
How the InsTX-PC06 Format Shapes Your Odds
Exam InsTX-PC06 is administered exclusively at Pearson VUE testing centers for $49. It consists of 145 multiple-choice questions delivered in 150 minutes, but only 130 of those questions are scored - the remaining 15 are unscored pretest items used to evaluate future questions. You won't know which 15 are pretest items, so every question deserves full attention.
That format has direct implications for pacing and pass-rate outcomes:
- 150 minutes across 145 questions is roughly one minute per question, which is workable but leaves little room for long deliberation on unfamiliar terminology.
- Because 15 questions don't count, a candidate can miss more than the passing scaled score might suggest and still pass - but you can't identify which questions those are, so treat the full set as scored.
- The scaled score of 70 is not a percentage-correct target. It's a converted score that accounts for item difficulty, which is why two candidates who each miss "about the same number" of questions can get different outcomes.
Key Takeaway
Don't try to reverse-engineer your score by counting missed questions during the exam. Focus on accuracy per domain instead, since the scaled conversion handles difficulty weighting for you.
Where Candidates Lose Points: The 8 Domains
The exam outline in force from December 1, 2025 through August 31, 2026 organizes scored content into eight domains, and the revised outline effective September 1, 2026 keeps the same top-level domain allocations. Domains 1-3 cover property, Domains 4-6 cover casualty, and Domains 7-8 cover Texas-specific law.
Domain 1: Types of Policies
Covers property policy forms and how coverage types differ. Candidates frequently confuse coverage triggers between similarly named policies.
- Know the distinguishing features of each major property policy type tested
Domain 2: Insurance Terms and Related Concepts
Tests foundational property insurance vocabulary - terms that reappear indirectly in later domains.
- Master terminology early; it underpins Domains 3, 5, and 6
Domain 3: Policy Provisions and Contract Law
Covers how property contracts are structured and enforced, including standard provisions.
- Pay attention to how provisions interact with claims scenarios
Domain 4: Types of Policies, Bonds, and Related Terms
The casualty counterpart to Domain 1, adding surety bonds and casualty-specific policy types.
- Don't confuse bond terminology with liability policy terminology
Domain 5: Insurance Terms and Related Concepts
Casualty vocabulary that mirrors Domain 2's structure but applies to liability exposures.
- Compare and contrast with property terms to avoid cross-domain mix-ups
Domain 6: Policy Provisions
Casualty policy provisions, exclusions, and endorsements.
- Focus on how exclusions differ between property and casualty forms
Domain 7: Texas Statutes and Rules Common to Property and Casualty Insurance
State-level rules that apply across both lines - a favorite area for scenario-based questions.
- These statutes apply regardless of whether the underlying policy is property or casualty
Domain 8: Texas Statutes and Rules Pertinent to Property and Casualty Insurance
More granular Texas rules specific to producer conduct and licensing law.
- Expect questions tied to Texas Department of Insurance regulatory requirements
For a deeper walkthrough of each domain with sample question styles, the complete domain guide is the natural next stop after this article.
Texas Law: The 23.08% That Trips Up Newcomers
Combined, Domains 7 and 8 - Texas-specific law - make up 23.08% of the scored exam. That's nearly a quarter of your 130 scored questions coming from state statutes and rules rather than general property or casualty principles. This is the section that most often catches candidates who studied general insurance concepts thoroughly but treated Texas law as an afterthought.
Because Domains 7 and 8 sit at the end of the outline, some candidates unconsciously deprioritize them during study, running out of time or energy before reaching the state-specific material. Given that this block represents nearly a quarter of the scored content, that's a costly mistake.
Registration and Retake Mechanics That Affect Outcomes
Pass-rate data doesn't exist in a vacuum - the registration and retake rules around the Texas General Lines - Property & Casualty Agent Exam shape how candidates behave, which in turn affects the all-attempt pass rate.
- Cost per sitting: The exam itself costs $49 per attempt through Pearson VUE, separate from the $50 license application fee.
- Retake waiting period: Candidates who fail may schedule again after just one day - a short cooldown compared to many licensing exams - and attempts are unlimited.
- Application window: Standard resident applicants must pass the exam before applying for a license, then submit the $50 application, along with fingerprinting, within one year of testing.
- No mandatory prelicensing course: The standard permanent-license route does not require a prelicensing course, which means exam readiness rests almost entirely on self-directed study. CPCU holders may qualify for an exam exemption.
- Applicant age: Standard resident applicants must be at least 18.
The short one-day retake window is a double-edged sword. It lets motivated candidates get back into the testing center quickly, but it can also tempt an underprepared candidate to retest before actually closing knowledge gaps - a likely contributor to the lower all-attempt pass rate compared to the first-time rate. For the full list of eligibility steps, review the TXGLPC Requirements guide, and for a complete cost breakdown across the exam, application, and renewal cycle, see the certification cost guide.
A Domain-Weighted Study Timeline
Rather than studying domains in the order they appear on the outline, allocate time based on scored weight and personal weak spots. Below is a sample four-week structure built around the eight domains and the 23.08% Texas law weighting.
Property Foundations (Domains 1-3)
- Build vocabulary from Domain 2 before tackling policy types in Domain 1
- Work through contract law and provisions in Domain 3 with scenario questions
Casualty Foundations (Domains 4-6)
- Compare casualty terms in Domain 5 against property terms from Week 1
- Study bonds separately from liability policies in Domain 4
Texas Law Deep Dive (Domains 7-8)
- Dedicate extra time here - this block is 23.08% of the scored exam
- Focus on statutes common to both lines before moving to line-specific rules
Full Simulations and Weak-Spot Review
- Take timed 145-question practice sets that mirror the 150-minute format
- Revisit whichever domain group scores lowest on practice runs
This kind of weighted approach - spending proportional time rather than equal time per domain - is covered in more depth in the TXGLPC Study Guide 2026, which pairs domain weighting with specific practice techniques. If you're still deciding whether your current prep is on track, running a few sessions on a full-length practice test platform before your Week 4 simulations is one of the fastest ways to see where the scaled score of 70 actually stands relative to your current performance.
| Domain Group | Domains | Subject Area |
|---|---|---|
| Property | 1, 2, 3 | Policy types, terminology, provisions & contract law |
| Casualty | 4, 5, 6 | Policy/bond types, terminology, provisions |
| Texas Law | 7, 8 | Statutes and rules - 23.08% of scored exam |
After the Exam: What the Pass Rate Doesn't Tell You
A pass rate is a snapshot, not a career forecast. Passing InsTX-PC06 opens the door to license application, but the ongoing requirements - a $50 renewal every two years plus 24 CE hours, including 3 ethics hours and at least 12 classroom or classroom-equivalent hours - mean the work doesn't stop at the testing center. If you're weighing whether this credential fits your goals before you even schedule the exam, the ROI analysis and earnings guide lay out the bigger picture, while the jobs overview covers who typically hires licensed general lines agents in Texas. For readers still asking foundational questions, What Is TXGLPC? and TXGLPC Meaning cover the basics before you dive into pass-rate specifics.
And if the domain-level breakdown above left you wondering just how difficult the exam feels in practice compared to other licensing exams, the difficulty guide puts the 60% first-time and 50% all-attempt figures into fuller context alongside format and content factors.
Frequently Asked Questions
Official January-July 2026 English results show a 60% first-time pass rate and a 50% all-attempt pass rate for the Texas General Lines - Property & Casualty Agent Exam (InsTX-PC06).
The all-attempt rate (50%) includes repeat test-takers, and as a group they don't pass at a higher rate than first-timers (60%) - likely because some candidates retest quickly without closing specific domain gaps, especially in Texas law.
Not necessarily. Passing is based on a scaled score of 70, not a raw 70% correct, and the exam includes 15 unscored pretest questions among the 145 total, so the relationship between questions missed and the final scaled score isn't one-to-one.
Candidates who fail may schedule another attempt after just one day, and there is no limit on the number of attempts allowed.
Texas Statutes and Rules (Domains 7 and 8) make up 23.08% of the scored exam, so proportionally weighting your study time toward those two domains - alongside solid coverage of property (Domains 1-3) and casualty (Domains 4-6) - aligns your prep with how the exam is actually scored.