Texas requires insurance agents to be licensed before practicing independently. The Texas Department of Insurance (TDI) oversees licensing in Texas. This guide walks you through the main steps, typical requirements, and the exam process.
Requirements can change. Always confirm current licensing rules with the official state licensing authority before applying.
Quick Overview
- Pre-licenseRequired
- Exam FeeState-set
- Renewal2 Years
- CE Needed24 Hours
Figures come from official sources and can change. Always confirm with the licensing authority before applying.
3 Steps to Licensure
- 1
Meet the requirements
Requirements for Texas insurance licensure typically include:
- No mandated pre-licensing course, though preparation is strongly recommended.
- A completed application submitted to the Texas Department of Insurance (TDI).
- A passing score on the Texas insurance licensing exam.
- Payment of application and examination fees.
Requirements can change. Always confirm current licensing rules with the official state licensing authority before applying.
- 2
Submit your application
The application process for a Texas insurance license generally involves these steps:
- Confirm you meet the education or experience prerequisites.
- Submit your application and supporting documents to the Texas Department of Insurance (TDI).
- Pay the application fee.
- Receive eligibility approval.
- Schedule and pass the exam through Pearson VUE.
- Submit any post-exam documentation and pay the licensing fee.
Steps can change, so verify the current process with the Texas Department of Insurance (TDI).
- 3
Pass the insurance agent exam
The Texas insurance exam is a multiple-choice exam administered by Pearson VUE. Plan to pass with 70 percent. The exam covers life, health, property, casualty, and insurance regulation plus Texas-specific rules. Always confirm exam requirements with the Texas Department of Insurance (TDI) or Pearson VUE, because formats and approved materials can change.
License Types
General Lines Agent
Sell a full line of products in your authority (life/health or property/casualty).
- Full product line
- Independent practice
Limited Lines / Customer Rep
Transact a specific limited product, or work inside an agency.
- Limited scope
- Entry level
Details
Experience
Texas expects candidates to complete no mandated pre-licensing course, though preparation is strongly recommended before licensure. Documentation standards are set by the Texas Department of Insurance (TDI), and acceptable proof can include employer verification, course completion certificates, or program transcripts depending on the credential. Check the current standards with the Texas Department of Insurance (TDI) before you apply.
Details
Fees
Texas application, exam, and licensing fees are set by the Texas Department of Insurance (TDI) and Pearson VUE and are subject to change. Budget for both an application fee and an exam scheduling fee. Always confirm current fee amounts with the official authority before submitting payment.
Details
Renewal
Texas insurance licenses are renewed on a fixed cycle (commonly every 2 years) and typically require continuing education and a renewal fee. Specific continuing-education hours are set by the Texas Department of Insurance (TDI). Requirements can change; always confirm renewal requirements with the Texas Department of Insurance (TDI) before your renewal deadline.
Frequently asked questions
How long does it take to get an insurance license in Texas?
Timelines depend on application volume and how complete your submission is. After the Texas Department of Insurance (TDI) approves your application, you schedule the exam through Pearson VUE. Confirm current timelines with the Texas Department of Insurance (TDI).
Do I need to pass an exam to get a Texas insurance license?
Yes. Texas requires passing the insurance licensing exam administered by Pearson VUE, generally with 70 percent. Requirements can change, so verify with the Texas Department of Insurance (TDI).
What education or experience does Texas require?
Texas typically requires no mandated pre-licensing course, though preparation is strongly recommended. Acceptable documentation is defined by the Texas Department of Insurance (TDI). Always confirm the current standard before applying.
Is there reciprocity for insurance licenses in Texas?
Reciprocity rules vary and change over time. Contact the Texas Department of Insurance (TDI) directly to ask about current reciprocity options for your situation.
