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Texas Insurance Licensing State Requirements

On this page you will find all of the state-specific information for Insurance Licensing in the state of Texas. This information pertains to resident license applicants. For additional information for resident licensing, or for nonresident license information, please refer to the Texas Department of Insurance website at https://www.tdi.texas.gov/. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.

Texas Department of Insurance

Licensing Division MC 107-1A
333 Guadalupe 
Austin, TX 78701
P.O. Box 149104
Austin, TX 78714-9104
Phone: 512-676-6000 or 800-578-4677
Website: https://www.tdi.texas.gov/
Email: License@tdi.state.tx.us

COVID-19 Update:

 

Effective 8/15/2020:

  • The TX DOI will return to normal processing for temporary licenses. Anyone with a temporary license issued August 15 or earlier will have until November 13 to get a regular license. Those with temporary licenses issued on or after August 15 will have 90 days to get a regular license. If the temporary license expires, the agent will no longer be able to act under the authority of the license. Anyone applying for a temporary license will need to pay the $150 fee and submit fingerprints with the application.

Effective 4/23/2020:

  • Testing for TX agent and adjuster licenses is now available at select sites across the state. Login to your Pearson VUE account to find a test center and make a reservation. The TDI has authorized Pearson VUE to resume testing at sites where social distancing and safeguards are in place to reduce risks. Those who pass the exam but still need fingerprints can apply for a temporary license. Once TDI has received and approved your fingerprints, your license will be changed to a regular license.

Effective 3/24/2020:

  • Most testing and fingerprinting facilities are closed due to the coronavirus outbreak. To address that issue, TDI will:
    • Issue temporary agent licenses, without required testing or additional fees. All training can be completed online, and fingerprints will be submitted later. Temporary applications should be submitted online, and paper applications will not be accepted.
    • Temporary licenses will remain active until further notice.
    • Waive the additional $100 fee for a temporary license.
    • Issue only emergency adjuster licenses until testing and fingerprinting sites reopen.

How to Get Your Texas Insurance License

1. Complete an Insurance Prelicensing Course

Texas requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry. 

Prelicensing Education Hour Requirements

Producer

  • The state of Texas does not require prelicensing education unless an applicant desires a temporary 90-day license. A temporary 90-day license can be applied for (applies to General Lines—Life, Accident & Health and General Lines—Property & Casualty) which allows the individual to be licensed before passing an examination and receiving the permanent license.
  • Although prelicensing education is not required, due to the difficulty and nature of these exams, Kaplan highly recommends enrolling in a study course.

Adjuster

  • Texas Adjuster (Property & Casualty): 40 Hours
  • Texas Adjuster Worker's Compensation): 40 Hours

Temporary licensees must have a sponsoring licensed insurance company, agency, or agent, and must complete 40 hours of prelicensing education no later than the 14th day after the date of their temporary license application.

Note: although Kaplan offers prelicensing study packages for the Texas Property & Casualty Adjuster license, we do not offer any such packages for the Texas Worker's Compensation Adjuster license.

Acceptable Methods of Education

  • Classroom
  • Self-study
  • Online

Live Class Requirements

In-Class Exam: In Texas, an in-class graded exam is given in the Texas Worker's Compensation and Texas Property & Casualty Adjuster classes to test your readiness for the state exam. The test must be passed with a 70% or greater in order to receive a certificate of completion.

You must be at least 18 years of age and have a basic understanding of the industry to attend our classes. Be sure to take your test within five days of class (test completion is not necessary for those obtaining a temporary license).

Texas Property & Casualty Adjuster Class:

Students are certified to apply for state licensing upon successful completion of the final exam given and graded on the last day of class. In addition to the live class time, the applicant must also complete ten (10) hours of self-study and submit a self-study affidavit to the live class instructor verifying this fact. To be eligible to take the class final exam, the applicant must first complete all required education hours, including the self-study time.

Texas Worker's Compensation Live Class:

Students are certified to apply for state licensing upon successful completion of the final exam given and graded on the last day of class. In addition to the live class time, the applicant must also complete ten (10) hours of self-study in the form of homework given in the first three days of the class. To be eligible to take the class final exam, the applicant must first complete all required education hours, including the self-study time. 

Note: Kaplan does not offer live classes that pertain to the Texas Worker's Compensation Adjuster license.

Online Course Requirements

  • Forced progression: This requires the user to successfully complete each page of the online course before being allowed to proceed to the next.
  • Proctor: In order for a certificate of completion to be earned and issued, the three hours timed certification exam for the Texas Property & Casualty Adjuster course must be monitored by a disinterested third party (someone other than a relative, friend, or business associate). Texas also requires that a notarized Prelicensing Self-Study Course Affidavit form (included with your online course) be completed and submitted to the education provider.

Prelicensing Education Exemptions

Applicants who are exempt from the examination must submit documentation which clearly shows the applicant’s name and date the designation was conferred along with their license application.

  • Applicants who hold the CLU® designation are exempt from the General Lines—Life, Accident and Health exam.
  • Applicants who hold the CPCU® designation are exempt from the General Lines—Property and Casualty exam.

Note: Applicants must submit their license application within 12 months of passing the exam or they will be required to retake the exam.

Adjuster License Requirements

The Texas Department of Insurance requires staff and independent adjusters to take a state-approved 40-hour live class or online course offered by an approved education provider. The candidate must also pass a state certification exam administered by the education provider or the states testing administrator.

Kaplan’s Adjuster License course includes the state certification exam. The exam must be proctored by a disinterested third party. The disinterested third party may not be related to the student, may not be the student’s employer or employee, and may not otherwise benefit from the student passing the course. Texas also requires that a notarized Prelicensing Self-Study Course Affidavit form (included with your online course) be completed and submitted to the education provider.

If you are taking the Kaplan online course and successfully pass the certification exam, upon receiving your completed and notarized Prelicensing Self-Study Course Affidavit form, Kaplan will email you the Certificate of Completion that you may save for your records and print. You will need to mail the Certificate of Completion along with your fingerprint receipt, Texas Adjuster Application (obtained from the Texas Department of Insurance website), and a $50 fee to the Texas DOI.

Fingerprinting will be available at most test sites through the fingerprint vendor Morpho-Trust.

Student Complaint Policy

Students must address their concerns about this school or any of its educational programs by following the grievance process outlined in the school’s catalog. Schools are responsible for ensuring and documenting that all students have received a copy of the school’s grievance procedures and for describing these procedures in the school’s published catalog. If, as a student, you were not provided with this information, please inform school management.

  • This school has a Certificate of Approval from the Texas Workforce Commission (TWC).
  • The TWC-assigned school number is: S0184.
  • The school’s programs are approved by TWC.

Students dissatisfied with this school’s response to their complaint or who are not able to file a complaint with the school can file a formal complaint with TWC, as well as with other relevant agencies or accreditors, if applicable.  Information on filing a complaint with TWC can be found on TWC’s website at www.texasworkforce.org/careerschoolstudents.

2. Pass Your Texas Licensing Exam

After completing your required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the Texas licensing exams, so you will be prepared to pass the first time. 

Certificate of Completion Requirements

Insurance Adjusters: Applicants who qualify for an Adjuster license by completing a Texas Department of Insurance (TDI) approved course within 12 months prior to submitting an application, must submit to the TDI the TDI license application (including the application fee) along with the course certificate of completion. (Please see “Adjuster Licensing” above for additional information.)

Exam Provider: Pearson VUE

Frequently Asked Questions About the Texas Licensing Exam

After completing my prelicensing, how should I prepare for exam day? 

Exam Preparation

Walk-in examinations are not available. Online reservations are the most efficient way for candidates to schedule their examination. Candidates must go to www.pearsonvue.com/tx/insurance to make an online reservation for an examination. First-time users are required to create an account. The candidate will need to fill in all required fields, which are preceded by an asterisk (*), on the online form in order to create an ID and be assigned a password. Step-by-step instructions will lead the candidate through the rest of the examination reservation process.

Candidates must make an online reservation at least twenty-four (24) hours before the desired examination date. Candidates who wish to make a phone reservation at (888) 754-7667 must do so at least twenty-four (24) hours before the desired examination date.

Before making a reservation, candidates should have the following:

  • Legal name
  • Address
  • Social Security number
  • Daytime telephone number
  • Date of birth
  • The name of the examination(s)
  • The preferred examination date and test center location

Exam Day

Candidates should report to the test center at least thirty (30) minutes before the examination begins to complete registration. Each candidate will leave the test center with an official score report in hand.  

Required Identification

Candidate must present two (2) forms of current signature identification. The name on the identification must exactly match the name on the registration. The primary identification must be government issued, photo-bearing with a signature and the secondary identification must contain a valid signature. Identification must be in English.

Primary ID (photograph, and signature, not expired)

  • Government-issued Driver’s License
  • U.S. Dept. of State Driver’s License
  • U.S. Learner’s Permit (plastic card only with photo and signature)
  • National/State/Country Identification Card
  • Passport
  • Passport cards
  • Military ID
  • Military ID for spouses and dependents
  • Alien Registration Card (Green Card, Permanent Resident Visa)

Secondary ID (signature, not expired)

  • U.S. Social Security Card
  • Debit (ATM) Card or Credit card
  • Any form of ID on the Primary list

If the ID presented has an embedded signature that is not visible (microchip), or is difficult or impossible to read, the candidate must present another form of identification from the Primary ID or Secondary ID list that contains a visible signature.

Pearson VUE does not recognize grace periods. For example, if a candidate’s driver’s license expired yesterday and the state allows a 30-day grace period for renewing the ID, the ID is considered to be expired.

What is the exam like? 

Security Procedures

The following policies are observed at each test center. Candidates who violate any of these policies will not be permitted to finish the examination and will be dismissed from the test center, forfeiting the examination fee.

  • No personal items are allowed in the testing room. Personal items include but are not limited to: 
    • ­Cellular phones, hand-held computers or other electronic devices, pagers, watches, wallets, purses, firearms or other weapons, hats, bags, coats, books, and/or notes, pens or pencils.
  • A Reader or Recorder, for individuals with mobility or vision impairments and cannot read or write on their own 10 Test accommodations are individualized and considered on a case-by-case basis. 
  • Calculators are permitted only if they are silent, hand-held, nonprinting, and without an alphabetic key pad. Financial calculators are not permitted. Calculator malfunctions are not grounds for challenging examination results or requesting additional examination time. NOTE: Calculators are NOT provided by the test center staff.
  • Candidates must store all personal items in a secure area as indicated by the administrator, or return items to their vehicle. All electronic devices must be turned off before storing them in a locker. 
  • The test center is not responsible for lost, stolen or misplaced personal items.
  • Studying is not allowed in the test center. Visitors, children, family or friends are not allowed in the test center.
  • Dictionaries, books, papers (including scratch paper), and reference materials are not permitted in the examination room (unless permitted by the exam sponsor), and candidates are strongly urged not to bring such materials to the test center.
  • Upon entering and being seated in the testing room, the test administrator will provide the candidate with materials to make notes or calculations and any other items specified by the exam sponsor. The candidate may not write on these items before the exam begins or remove these items from the testing room.
  • Eating, drinking, or chewing gum, smoking and/or making noise that creates a disturbance for other candidates is prohibited during the exam.
  • Break policies are established by the exam sponsor. Most sponsors allow unscheduled breaks. 
    • ­To request an unscheduled break, the candidate must raise their hand to get the administrator’s attention. The exam clock will not stop while the candidate is taking a break.
    • ­Candidates must leave the testing room for all breaks. However, candidates are not permitted to leave the floor or building for any reason during this time, unless specified by the administrator and the exam sponsor. If a candidate is discovered to have left the floor or building they will not be permitted to proceed with the examination and may forfeit the exam fees.
    • ­While taking a break, candidates are permitted to access personal items that are being stored during the exam only if necessary— for example, personal medication that must be taken at a specific time. However, a candidate must receive permission from the administrator prior to accessing personal items that have been stored. 
    • ­Candidates are not allowed access to other items, including but not limited to, cellular phones, exam notes and study guides, unless the exam sponsor specifically permits this.
  • Any candidate discovered causing a disturbance of any kind or engaging in any kind of misconduct—giving or receiving help; using notes, books, or other aids; taking part in an act of impersonation; or removing examination materials or notes from the examination room—will be summarily dismissed from the examination and will be reported to the state licensing agency. 
  • Decisions regarding disciplinary measures are the responsibility of the state licensing agency.

Exam Format

Each major lines examination is given in a multiple-choice format and consists of two parts. The general section deals with basic insurance product knowledge. The state section deals with insurance laws, rules, regulations, and practices that are unique to Texas. The score from the exam is not based on each part separately, but each exam as a whole.

Many of the examinations will contain “pretest” questions. Pretest questions are questions on which statistical information is being collected for use in constructing future examinations. Responses to pretest questions do not affect a candidate’s score. Pretest questions are mixed in with the scored questions and are not identified.

Exam Evaluation

The passing score of an examination was set by the Texas Department of Insurance (in conjunction with Pearson VUE) after a comprehensive study was completed for each examination. Raw scores are converted into scaled scores that can range from 0 to 100. The scaled score that is reported to you is neither the number of questions you answered correctly nor the percentage of questions you answered correctly. With a passing score of 70, any score below 70 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly. The score from the exam is not based on each part separately, but each exam as a whole.

Score Reporting

Candidates will leave the test center with their official scores in hand. A candidate who failed can schedule for a new exam within one day; there is no limit to the number of attempts a candidate can make on the same exam.

How long is the exam? 

Exam CodeLine of AuthorityExam Time
InsTX-ALAdj16Adjuster - All Lines - English2 Hours 30 Minutes
InsTX-ALAdj36Adjuster - All Lines - Spanish2 Hours 30 Minutes
InsTX-PCA81Adjuster - Property & Casualty - English2 Hours 30 Minutes
InsTX-PCA11Adjuster - Property & Casualty - Spanish2 Hours 30 Minutes
InsTX - WCAdj32Adjuster - Workers Compensation - English1 Hour
InsTX-WCAdj52Adjuster - Workers Compensation - Spanish1 Hour
InsTX-LAH05General Lines - Life, Accident & Health - English2 Hours 30 Minutes
InsTX-LAH25General Lines - Life, Accident & Health - English2 Hours 30 Minutes
InsTC-PC06General Lines - Property & Casualty - English2 Hours 30 Minutes
InsTC-PC26General Lines - Property & Casualty - Spanish2 Hours 30 Minutes
InsTX-ISP09Insurance Service Representative - English2 Hours 30 Minutes
InsTX-ISP29Insurance Service Representative - Spanish2 Hours 30 Minutes
InsTX-LHIC42Life and Health Insurance Counselor - English2 Hours 30 Minutes
InsTX-LHIC62Life and Health Insurance Counselor - Spanish2 Hours 30 Minutes
InsTX-Life01Life Agent - English2 Hours
InsTX-Life21Life Agent - Spanish2 Hours
InsTX-LL93Limited Lines - English1 Hour
InsTX-LL13Limited Lines - Spanish1 Hour
InsTX-MGA87Managing General Agent - English2 Hours 30 Minutes
InsTX-MGA07Managing General Agent - Spanish2 Hours 30 Minutes
InsTX-PersPC55Personal Lines Property & Casualty - English2 Hours
InsTX-PersPC75Personal Lines Property & Casualty - Spanish2 Hours
InsTX-PCRM92Property and Casualty Risk Manager - English2 Hours
InsTX-PCRM12Property and Casualty Risk Manager - Spanish2 Hours
InsTX-PbAdj17Public Insurance Adjuster - English2 Hours
InsTX-PbAdj37Public Insurance Adjuster - Spanish2 Hours
InsTX-Surp60Surplus Lines - English1 Hour
InsTX-Surp80Surplus Lines - Spanish1 Hour

 

3. Get Fingerprinted

All Texas resident applicants, and Adjuster (Designated Home State), and all nonresident public insurance adjuster applicants must submit fingerprints as part of the license application unless the applicant already submitted fingerprints to TDI for another license or registration and that license or registration is still active. Applicants claiming exemption from the fingerprint requirements based on 28 TAC §1.504(b) must provide information on the type of license application or TDI filing with which the fingerprints were submitted and the date the fingerprints were submitted to TDI. Fingerprints provided for an application will be used to check criminal history records of the Texas Department of Public Safety (DPS) and the Federal Bureau of Investigation (FBI), in accordance with applicable statutes.

If you are required to provide fingerprints, your application will not be processed until TDI receives your criminal history reports from the DPS and the FBI. TDI strongly encourages all applicants to use the electronic fingerprinting process. Electronic fingerprinting is fast and accurate, and in most cases will avoid potential delays in the processing of applications.

All fingerprints taken for TDI at MorphoTrust locations are electronically transmitted to the DPS and the FBI for criminal history background checks. The fingerprint requirement is authorized in TIC §§801.056, §§4001.103, and by 28 TAC §1.501 and §1.503 – 1.509.

Applicants claiming exemption from the fingerprint requirement based on 28 TAC §1.504(b) must provide information on the type of license application or TDI filing with which the fingerprints were submitted and the date the fingerprints were submitted to TDI.

Please print out and review the following instructions, if you are required to submit fingerprints: http://www.tdi.texas.gov/licensing/agent/documents/fpinstructions.pdf.

TDI cannot complete processing an application until it receives a criminal history report from the DPS and the FBI for applicants required to provide a fingerprint receipt. The MorphoTrust receipt obtained from the fingerprinting process, http://www.tdi.texas.gov/licensing/agent/documents/fpinstructions.pdf, must be attached to any completed paper application submissions, at the time it is mailed to DataStream Technologies.

4. Apply for a Texas Insurance License

Once you have passed your state licensing exam, you are ready to apply for an insurance license.

After passing the examination, apply for your license by submitting an application electronically through NIPR (www.NIPR.com).

You will be assigned an NPN. This unique identifier is assigned through the licensing application process and is used to track individuals and business entities on a national basis. The NPN is used by many states to replace a producer license number.

5. Plan to Complete Required Insurance Continuing Education (CE) Credits

Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan. 

Learn how to renew a Texas insurance license by clicking here.

 

Notice:

Kaplan's dedicated administrative staff works diligently to ensure your learning experience is as engaging as it is effective. Meet the team by clicking here

This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.

Select a Line of Authority and Start Earning Your License Today:

Life & Health

Earning this license qualifies you to explain, sell, and write life and health insurance products in the state of Texas.

Property & Casualty

This license qualifies you to sell products in the state of Texas to protect clients from financial issues as a result of damage or injury.

Personal Lines

Earning this license qualifies you to sell a variety of insurance plans directly to consumers in the state of Texas.

Adjuster

Earning this license qualifies you to investigate and adjust any claim in connection with an insurance policy in the state of Texas.