The Texas P&C License Exam is no joke. Smart people fail the test all the time. Click here to see the 2025 statewide pass rates – it’s not pretty. Passing score on the exam is a 70. So, how come only 56% of test-takers pass the first time? Because the test is hard. And you need to prepare with a company that gives the test the respect it demands. My students pass the Texas Property and Casualty exam at a much higher rate.
We do everything we can to help you pass your exam the first time. But, we have a simple rule for anyone who doesn’t pass the first time: Keep Working At It Until You Pass. Never give up. Never quit. Period. You can do this, I know you can! There are millionaire agents out there who didn't pass the first time! I also have my “Three Strikes Money Back Guarantee.” If you fail the test three times, I will give you your money back – subject to conditions of course. All I want is for you to pass and be successful and I will do everything I can to help you get there. Promise.
We start with The Basics and we build you up from there. We study the polices used on the exam and you get your own copies. All of the coverage and terminology is explained to you with examples and pictures to make sure you get it.
Lessons One and Two are available in free preview mode, just a bit down the page.
With Your Name On A Property And Casualty License, You Can:
Stop looking for a job. Jobs will be looking for you! So many agents are hiring it isn’t even funny!
Join a good and noble profession that has been a vital part of the American economy since the earliest days.
Control your future. There is nothing stopping you from having your own agency, if that is what you want someday.
Be a lifetime learner. You will never ever learn everything there is to know about the insurance industry. Your professional education will delight and amaze you all throughout your career. You can work toward earning your CPCU designation.
How Do I Get My Name On A P&C License In Texas?
In Texas, to get your P&C license and start making money, here’s the deal:
- Pre-License Education – While there is no state requirement to take a class before taking the exam, you don’t really have much of a chance to pass the exam without some help. Trust me, take a class. You cannot learn this by yourself from somebody’s old book from 1999.
- Passing the licensing exam – When you’re ready, you’ll have to make a 70 on a multiple-choice exam. 150 questions in 150 minutes. The current exam fee is only $43, so no big deal there. If you need a couple of tries to pass, it’s not going to bankrupt you.
- Get your fingerprints done – Your fingerprints will be used for a background check and to verify your identity. You do this at the IdentoGo website the code for TDI is 11G6QF. Cost is about $40
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Apply for your P&C License – WHEN you pass the exam, you’ll need to apply for your license online at the Sircon website. Cost is $50.
So… What’s on The Property And Casualty Exam?
The Department of Insurance publishes a detailed outline of the topics that are covered on the exam. You can see it here.
My course is designed 100% around the state outline. We CRUSH that outline. Line by line. Topic by topic. No Mercy. Test Crushers OWNS that content outline and we have broken it wide open for you.
If you took a look at the Course Content Outline, you have seen that it is FOUR PAGES LONG! There is quite a lot of information on that test. That’s why we say that exam is no joke. Do not take this test lightly. Also, do not sign up with a test prep company that tells you they can magically transmit all that information into your brain in a few hours, or with a stack of silly flashcards – they can’t.
Test Crushers is not a cram course, not at all. This is an academic course that will treat you like an intelligent adult. We don’t play memory games and rhyming tricks. There are no cartoons. There are no flashcards. We study. We Learn. We Pass. Our courses are interesting, that’s why they work. You won’t hate having to study – you will look forward to each new lesson.
How else are you going to wrap your head around:
- A ton of vocabulary and terminology
- A ton of policy knowledge about Homeowners, Auto, Commercial, Workers Comp…………….. and
- A ton of regulatory and compliance topics
Free Preview Lessons
Some of the Test Crushers P&C course lessons are available to preview for FREE. See if you like my style and the way I explain things.
Test Crushers P&C Course Curriculum
- Lesson One - Coverage A,B,C (27:13)
- Lesson Two - Insuring Agreements - Open Peril vs Named Peril (48:50)
- Lesson Three - Loss Settlement RCV vs ACV (29:27)
- Lesson Four - The DEC Page (5:31)
- Lesson Five - The 80% Rule - Co-Insurance (14:55)
- Lesson Six - Liability Basics (43:27)
- Lesson Seven - A Recap of what we have learned so far (4:58)
- Link to Student Policy Library
- Lesson Eight - HO3 Basic Coverage (52:12)
- Lesson Nine - HO3 Loss of Use of Your Home (13:55)
- Lesson Ten - HO3 Additional Coverage (29:51)
- Lesson Eleven - HO3 Perils Insured Against (27:01)
- Lesson Twelve - HO3 Section 1 Conditions (41:53)
- Lesson Thirteen - The "Other" HO Series Policies (8:15)
- Lesson Fourteen - HO3 Personal and Premises Liability (54:08)
- Lesson Fifteen - HO3 Section 2 Conditions (8:03)
- Lesson Sixteen - HO3 General Policy Conditions Section I and II (23:10)
- Lesson Seventeen - The 3 Dwelling Policies (31:11)
- Lesson Eighteen - Intro to Commercial Insurance (10:57)
- Lesson Nineteen - The BOP - Basic Coverage (31:46)
- Lesson Twenty - The BOP - Additional Coverage (28:21)
- Lesson Twenty-One - The BOP - Coverage Extensions (18:49)
- Lesson Twenty-Two - The BOP - Exclusions (4:22)
- Lesson Twenty-Three - The BOP - Limits and Conditions (18:05)
- Lesson Twenty-Four - The BOP - Optional Coverage (10:11)
- Lesson Twenty-Five - The BOP - Definitions and Conditions (11:02)
- Lesson Twenty-Six - The Building and Personal Property Form (BPP) (38:49)
- Lesson Twenty-Seven - COMMERCIAL LIABILITY (THE CGL) (50:14)
- Lesson Twenty-Eight - Equipment Breakdown Protection (9:05)
- Lesson Twenty-Nine - Builder's Risk (6:53)
- Lesson Thirty - Bonds (16:53)
- Lesson Thirty-One - Personal Auto Basics and Definitions (51:30)
- Lesson Thirty-One A - Auto Liability (28:46)
- Lesson Thirty-One B - Auto Med Pay and PIP (16:44)
- Lesson Thirty-One C - UnInsured/UnderInsured Motorist Coverage (24:09)
- Lesson Thirty-One D - Comp and Collision (18:40)
- Lesson Thirty-One E - Terms and Conditions (5:14)
- Lesson Thirty-Two - Business Auto (29:26)
Pass Your P&C Exam With Test Crusher Classes
Pass The Last Time
Way too much emphasis is placed on passing the first time. Don’t obsess over it. I hope you do pass the first time, but if you don’t, you’re just going to keep trying until you do pass. Pass the LAST time!
Expert Crafted Lessons
Our classes are built with an academic focus. You’ll learn everything you need to pass the exam. But our course is also going to benefit you long after test day. This not a throw-way cram course.
You Know Who Created This Course
My name is on this course and I stand behind every word of it. 30 years in the insurance business has brought me to this time in my career when I want to pass along what I have learned to you through these courses.
On-Point Study Materials
With knowledge quizzes and a practice exam at the end of the course, you’ll be ready for test day.
P&C Is Just The Beginning
Test Crushers offers the #1 rated Life and Health License course and the BEST Adjuster License course.
Agent And Adjuster
Our P&C course for agency is the only one that is detailed and in depth enough to also allow you to pass your Adjuster License Exam. This is a great 2 for 1 deal.
Hi, I'm Tim ONeill, CPCU, CLU, AIC
Founder of Test Crushers
I have studied my whole career to learn how to do a course like this one. Back in the 90's, when I was a claims adjuster, I did a lot of storm duty. Hail, hurricanes, floods, you name it. In the evenings, I took all of the insurance classes I could find.
I achieved the signature academic credentials in our industry: CPCU, CLU and AIC. I wanted those credentials because they mean something in our industry. I did not know back then that someday I would be teaching a course like this one. But now I am glad I spent all those years learning the academic side of the business, because it is what allows me to present this course to you in a way that will make sense.
I have been an agent since 2000. (TDI LICENSE #720028). I teach this class AS an agent, FOR agents. My teachers taught me, and now I am passing that knowledge on to you.
I have one job. TO HELP YOU CRUSH THE TEST! You have to make a passing score on your exam and it is my mission to get you there. Last year, barely 55% of first-time testers passed the General Lines P&C exam - you can see the stats here. My pass rate for first-time TEST CRUSHERS is 90%! (some people do fail the first time - the test is hard. BUT THEY KEEP AT IT!)
MY MONEY BACK GUARANTY:
COMPLETE MY ENTIRE COURSE AND CRUSH MY PRACTICE TEST - IF YOU THEN CAN'T PASS THE STATE EXAM AFTER 3 TRIES, I WILL GIVE YOU YOUR MONEY BACK. The testing fee is currently $43 per attempt at PearsonVue Testing Centers
(This is only if you bought your course from me directly, not if you got your course through a third-party).
WHAT MAKES TEST CRUSHERS THE BEST?
THIS IS NOT A CRAM COURSE. AND IT'S NOT A DUMBED-DOWN INSULT TO YOUR INTELLIGENCE. THIS IS AN PROFESSIONAL COURSE. I WROTE THE ENTIRE PROGRAM. IT HAS MY NAME AND MY PICTURE ON IT. YOU ARE WORKING WITH A REAL PERSON - ME.
I HAVE DEVELOPED A METHOD THAT ALLOWS EVERYONE TO PASS THE EXAMS. IF YOU COMPLETE THIS COURSE, YOU WILL EITHER GET YOUR LICENSE OR YOU'LL GET YOUR MONEY BACK. YOUR SUCCESS IS WHY WE DO THIS. WE WANT YOU TO DO WELL AND GET A GREAT JOB!
