Texas License Requirements
Texas Insurance License Requirements (2026)
Everything you need to know to get and keep your Texas insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
Texas Insurance License Requirements at a Glance
Key facts for getting and maintaining your Texas insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of Texas |
| Prelicensing Hours (Life) | None required (optional) |
| Prelicensing Hours (Health) | None required (optional) |
| Prelicensing Hours (Life & Health Combined) | None required (optional) |
| Exam Provider | Pearson VUE |
| Exam Fee | $39 |
| Passing Score | 70% |
| Application Fee | $50 |
| Background Check Cost | $40 |
| Fingerprinting Required | Yes |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 3 hours |
| Renewal Deadline | Texas licenses expire on the licensee's birthday every 2 years |
| License Duration | 2 years |
| Special Training Required | Yes (see below) |
| Total Cost Estimate | $350-500 estimated total cost |
| Total Licensing Time | 2-4 weeks |
How to Get Your Texas Insurance License
Follow these five steps to go from zero to licensed in Texas.
Complete Prelicensing Education
Prelicensing education status for Texas: None required (optional). Check with the Texas Department of Insurance for current requirements.
Browse Texas Prelicensing Courses →Schedule and Pass the State Exam
The Texas insurance licensing exam is administered by Pearson VUE. The exam fee is $39, and you'll need a passing score of 70%. Schedule your exam online after completing your prelicensing education.
Schedule Your Exam with Pearson VUE →Complete Fingerprinting
Fingerprinting required through IdentoGO (Code: 11G6QF)
Apply for Your License
Submit your application through the National Insurance Producer Registry (NIPR) The application fee is $50. Processing typically takes 1-2 business days.
Apply for Your Texas License →Get Appointed and Start Selling
Once your Texas insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the Texas Department of Insurance. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
Texas Fingerprinting Requirements
Fingerprinting required through IdentoGO (Code: 11G6QF)
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Special Training Requirements for Texas
Texas requires additional training for agents selling certain specialty products. These are separate from standard prelicensing hours.
Annuity Training
4-hour annuity suitability training required before selling annuity products
Texas CE Renewal Requirements
To keep your Texas insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
3 hours
Ethics Hours Required
2 years
Renewal Period
Texas licenses expire on the licensee's birthday every 2 years
Renewal Deadline
$39
CE Package Price
TDI
Regulatory Body
Texas Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in Texas.
Insurance Code
Texas Insurance CodeView Statute
Prelicensing Education
N/A — not required (standard producer licenses)
Examination Requirements
Tex. Ins. Code 4001.105(2)
Age Requirements
Tex. Ins. Code § 4001.105(1)
Background Check
Tex. Ins. Code Sec. 4001.103; Sec. 801.056
Fingerprinting
Tex. Ins. Code § 4001.103 (+ § 801.056)
License Application
Tex. Ins. Code § 4001.102
CE Requirements
Tex. Ins. Code 4004.051
CE Ethics
Tex. Ins. Code §4004.054
Administrative Code
Title 28 - InsuranceView Statute
Provider Regulation
28 Texas Administrative Code Chapter 19, Subchapter K
Texas Insurance License Requirements — FAQs
How long does it take to get a Texas insurance license?
Most candidates complete the Texas insurance licensing process in 2-4 weeks. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in Texas?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in Texas?
Fingerprinting required through IdentoGO (Code: 11G6QF)
Can I transfer my insurance license from another state to Texas?
Reciprocal licensing is available for producers licensed in good standing in their home state. Exam, CE, fingerprint, and criminal history requirements are all waived.
How much does a Texas insurance license cost?
The total cost to get your Texas insurance license typically falls in the $350-500 estimated total cost range. This includes: prelicensing course fees, the exam fee ($39), the state application fee ($50), and the background check cost ($40). Individual costs vary based on the line of authority you choose.
What are the Texas CE requirements?
Texas requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. Your renewal deadline is Texas licenses expire on the licensee's birthday every 2 years. JustInsurance offers state-approved CE packages starting at $39.
Does Texas require prelicensing education for an insurance license?
No. Texas does not require prelicensing education before sitting for the state insurance exam. You can register directly with Pearson VUE and schedule your exam without completing any formal coursework. However, the Texas insurance exam covers extensive state law and product knowledge — most first-time test takers benefit significantly from a structured preparatory course. Texas also requires 4-hour annuity suitability training before selling annuity products, even after licensure.
What are the prelicensing hour requirements in Texas?
Texas requires None required (optional). Courses are available fully online through JustInsurance.
Ready to Get Your Texas Insurance License?
Start your state-approved prelicensing course today. 100% online, self-paced, and backed by our pass guarantee.
Start My Course Today