Personal Lines Cheat Sheet.
The night-before summary, built like the exam.

Personal Lines Insurance License Exam — Cheat Sheet

Quick-reference facts and must-remember rules for the Texas Personal Lines (General Property & Casualty) licensing exam.

Exam Vitals (memorize the numbers)

• 100 scoreable questions
• 120 minutes (2 hours) time limit
• $39 exam fee

Pacing Math

• 120 min ÷ 100 questions ≈ 1.2 minutes per question. Roughly 1 minute 12 seconds each — keep moving; flag and return to hard items.
• Checkpoint targets: ~25 questions by the 30-minute mark, ~50 by 60 min, ~75 by 90 min — leaving ~30 min to finish and review.

Must-Remember Rules

• Read every question fully — watch for qualifiers like NOT, EXCEPT, always, and never.
• Answer every question — there's no penalty for guessing, so never leave a blank.
• Eliminate obviously wrong choices first, then pick the best remaining answer.
• Budget the $39 fee per attempt — a retake means paying it again, so aim to pass on the first sitting.