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Texas insurance license requirements

Do you want to become an insurance agent and get your Texas insurance license? XCEL has taught thousands of aspiring insurance professionals in Texas and we make it easy for you to get up to speed on the Texas insurance requirements.

Texas Insurance License SchoolTexas Insurance License School

How To Obtain a Texas Insurance Producer License  

The state of Texas has no formal pre-licensing education requirement however it is recommended as the prelicensing course is designed to prepare candidates for the State Licensing Examination.

1. Complete the Pre-Licensing Course

  • Life Only 
  • Life, Accident & Health  
  • Property and Casualty  
  • Personal lines  

Course Requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter. 
  • Assessments on key topics throughout the course must be successfully passed with a minimum score of 70% before moving onto the next chapter. 

2. Schedule the Texas State Examination

  • Registration must be completed online on Pearson VUE website: https://home.pearsonvue.com/tx/insurance
  • Exam fees:
  • Single line $33
  • General lines $43
  • Spanish exams are available
  • OnVUE online remote proctored exams are not available

Online Remote Proctored Exams

  • You must check the compatibility of your computer before registering for the exam. https://home.pearsonvue.com/tx/insurance/onvue
  • If your computer is not compatible with the online software, you will need to schedule your examination at a Pearson Vue test center.
Limitation on Repeat Examinations
  • There are no limits on exam retakes. 

3. Submit your Fingerprints

4. Pass the State Exam

  • Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period. 
    • Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam. 
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind."
  • On the day of testing, you must present two forms of identification bearing your signature, one of which must be a valid government issued photo id. 

5. Apply for your License

Pearson Vue Exam Outlines 

DESCRIPTION Question Count % of Exam Questions
Life Health Life Health
Life Insurance
Types of Policies 15 15 19% 12%
Policy Provisions, Options and Exclusions 15 15 19% 12%
Completing the Application, Underwriting, and Delivering the Policies 12 12 15% 9%
Retirement and Other Insurance Concepts 8 8 10% 6%
Health Insurance
Types of Policies 0 16 0% 12%
Policy Provisions, Clause, and Riders 0 15 0% 12%
Social Insurance 0 6 0% 5%
Other Insurance Concepts 0 5 0% 4%
Field Underwriting Procedures 0 8 0% 6%
Texas Laws and Rules
Texas Statutes and Rules Common to Life and Health Insurance 20 14 25% 11%
Texas Statutes and Rules Pertinent to Life Insurance Only 10 6 13% 5%
Texas Statutes and Rules Pertinent to Accident and Health Insurance Only 0 7 0% 5%
Texas Statutes and Rules Pertinent to Health Maintenance Organizations 0 3 0% 2%
Total for all parts
Total Questions 80 130
Maximum Time allowed to complete exam in minutes 120 150
Passing Score 70 70
DESCRIPTION Question Count % of Exam Questions
Casualty Property Casualty Property
Casualty Insurance
Types of Policies, Bonds and Related Items 0 23 0% 18%
Insurance Terms and Related Concepts 0 15 0% 12%
Policy Provisions 0 12 0% 9%
Property Insurance
Types of Policies 0 22 0% 17%
Insurance Terms and Related Concepts 0 15 0% 12%
Policy Provisions and Contract Law 0 13 0% 10%
Personal Lines Insurance
Types of Property Policies 10 0 10% 0%
Types of Casualty Policies 13 0 13% 0%
Property and Casualty Insurance Terms and Related Concepts 28 0 28% 0%
Property and Casualty Policy Provisions and Contract Law 24 0 24% 0%
Texas Laws and Rules
Texas Statutes and Rules Common to All Lines of Insurance 15 0 15% 0%
Texas Statutes and Rules Common to Property and Casualty Insurance 0 18 0% 14%
Texas Statutes and Rules Pertinent to Property and Casualty Insurance 0 12 0% 9%
Texas Laws, Departmental Rules Pertinent to Casualty Insurance Only 0 0 0% 0%
Texas Laws, Departmental Rules Pertinent to Personal Lines Insurance 10 0 10% 0%
Total for all parts
Total Scored Questions on Exam 100 130
Maximum Time allowed to complete exam in minutes 120 150
Passing Score 70 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Schedule exam
3. Schedule fingerprints
4. Pass exam
5. Get fingerprinted
6. Apply for license

Governing Agency

Name: Texas Department of Insurance Agent and Adjuster Licensing
Phone: 512-676-6500
Website: https://www.tdi.texas.gov/
Email: license@tdi.texas.gov
Address: P.O. BOX 1230 MC CO-AAL, Austin, TX 78711-2030

Texas Insurance License Renewal and Compliance Requirements

XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.

License Renewal Timelines

Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years. 

  • On-going renewal periods are the last day of the agent’s birth month every two (2) years thereafter.

Continuing education requirements must be met before submitting the license renewal application. 

Complete Required Continuing Education

Requirements per License

Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 3 of which must be approved as ethics, before submitting their renewal application. At least 12 hours must be completed in a classroom or classroom equivalent environment

Specific Product Training Requirements

The Texas Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products.

Long-term Care Training Requirements

  • Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance. 
  • Agents must also complete an approved 4-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance. 
  • The initial and refresher LTC course credits count towards the agent's 24-hour CE requirement. 
  • Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course. 
  • Non-resident agents may complete these training requirements in any state. 

Annuity Best Interest Training Requirements

  • Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Best Interest course before selling, soliciting, or negotiating annuity products. 
  • Annuity Best Interest course credits count towards the agent's 24-hour CE requirement. 
  • Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Texas. 

Flood Insurance (NFIP) Training Requirements

  • Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance. 
  • The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement. 

Course Requirements

Online Self-Study course requirements 12 hours

  • Licensees may take courses in any line of authority. 
  • Self-study exams do not require a monitor/proctor. 
  • Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles. 
  • Excess credit hours cannot be carried over to the next reporting period. Any excess is lost. 

 

Classroom/Classroom equivalent course requirements – 12 hours

  • Licensees may take courses in any line of authority. 
  • Classroom/Classroom equivalent courses do not require a final exam. 
  • Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles. 
  • Excess credit hours earned in the previous biennial renewal period cannot be carried over to the next reporting period. Any excess is lost. 

Reporting to your State

  • Students must provide their National Producer Number (NPN) to report on course completion. 
  • $0.88 per credit hour is required to report course completions to your state. 
  • Course completions are reported within one business day. 

Renew your License

Resident and nonresident license renewal applications are processed through NIPR. A $50 renewal fee is required. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.

Helpful Resources

Texas Department of Insurance - Licensing Division
Agent and adjuster licensing (texas.gov)
512-676-6500
CE@tdi.texas.gov
1601 Congress Avenue, Austin, TX 78701