Texas Insurance Licensing
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Read All NewsAppointments & Terminations in Texas
Texas mandates insurance companies to report new agent appointments through Just-in-Time (JIT) within 30 days of the effective start date. These appointments are perpetual and do not require renewal.
Process through NIPR within 30 days.
Standard fee of $10 for resident and nonresident agents.
Once made, appointments do not require renewal.
Processed via NIPR without fees, cannot backdate the termination date.
Licensing in Texas
A consistent fee structure supports both obtaining and maintaining insurance licenses within the state.
$50 for all license types, both residents and nonresidents.
$50, with a late penalty fee raising it to $75.
Open 90 days before expiration, must complete by last day of the licensee's birth month every two years.
Residential or business address (P.O. Boxes not permissible).
Agency Licensing in Texas
In Texas, each insurance agency must ensure that their Designated Responsible Licensed Producers (DRLPs) cover all required Lines of Authority (LOAs).
Opens 90 days prior and lasts until the expiration date.
Additional period extends up to 89 days after expiration.
Agencies must formally affiliate all active producers and notify changes to the department.
Independent and Emergency Adjuster Licensing in Texas
To become an Independent Adjuster, one must pass an examination and comply with additional state-specific requirements.
$50 initial and renewal fee, $75 reinstatement fee, and $25 late renewal fee.
Coincide with the adjuster's birth date, based on odd or even birth year.
Mandatory fingerprint background check.
Emergency Adjusters
Can work with sponsorship from a Texas licensee or licensed insurance company.
$20 for 90-day valid license.
Continuing Education Requirements for Texas Insurance Licensees
Here at Agenzee, we strive to provide accurate and up-to-date information on CE requirements for various states. While we take pride in our thorough research and expertise, we encourage our readers to conduct their own due diligence by consulting their state’s department of insurance for specific requirements. Remember, staying informed is key, and we’re here to support you on your journey to compliance!
Licensees must complete a total of 24 hours of continuing education every two years.
The renewal period is biennial, occurring every two years.
License renewal must be completed by the last day of the licensee's birth month.
The license renewal year is based on the year of first license issuance.
Continuing education credits are due prior to license expiration.
If you’ve held your license for more than 20 years with no breaks greater than 90 days and the license is held under the Texas Insurance Code, then you don’t need to worry about CE.
Licensees have 90 days to complete the deficient number of hours and pay a fine of $50 per deficient hour.
Licensees must complete 3 hours of ethics and consumer protection training.
Licensees must complete 3 hours of NFIP course.
Initial certification entails an 8-hour training course, with an additional 4 hours of LTC-specific training required every two years.
Licensees must complete a one-time, 4-hour course and also must do 8 hours every renewal cycle.
Frequently Asked Questions on Texas Insurance Licensing
The journey towards securing an insurance license in Texas begins with fulfilling any necessary pre-licensing education for your specific license type. Subsequently, you will need to pass the prescribed licensing examination, submit your fingerprints to conduct a thorough background check, and officially apply for the license through the Texas Department of Insurance (TDI) or by utilizing the services of the National Insurance Producer Registry (NIPR).
The state of Texas provides a variety of insurance licenses to cater to different market needs, such as the General Lines Agent license covering Life, Accident, Health, and HMO, as well as Property and Casualty. Additionally, licenses for Personal Lines Property and Casualty Agent, Life Agent, Life and Health Insurance Counselor, and Adjuster are available among other specialized categories.
Pre-licensing education is indeed a mandatory step for most insurance licensing pathways in Texas. However, the exact requirements are license-specific and can be verified through the Texas Department of Insurance website for detailed guidance tailored to your desired license category.
In Texas, insurance licenses generally have a renewal cycle of two years. Although the TDI will send notifications regarding renewal, it remains the responsibility of the license holder to ensure that the renewal is completed within the regulatory timelines.
Yes, Texas mandates that most insurance professionals complete a prescribed number of continuing education (CE) hours as part of the license renewal process. The amount of required CE is dependent upon the specific type of license held by the professional.
