Texas insurancelicense requirements
Texas insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- Pearson VUE
- Passing score
- 70 (scaled score)
- Exam fee
- $39 to $49 per exam
- License fee
- $50 per license type
- Fingerprints
- Required, through IdentoGO
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Texas
Below, you'll find the steps to a Texas insurance license, the exams for each line, and what it takes to keep your license active.
Studying for a Texas license? Texas Property & Casualty License Exam Prep and Texas Life & Health Insurance License Exam Prep cover the Texas exam, education rules and licensing steps.
Requirements for Texas insurance producers
Contact the Texas insurance department
How much do insurance agents make in Texas?
Texas average insurance agent salary (all lines): $70,390
That is the mean annual wage for insurance sales agents in Texas in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $82,888
- Health insurance agent: $51,381
- Property and casualty insurance agent: $44,503
Please note that salaries will vary based on experience level and local demand.
Does Texas require prelicensing education?
No, Texas does not require any insurance pre-licensing education. We highly recommend taking a course on your own to prepare for the state's licensing exam.
How do I get my insurance license in Texas?
Becoming an insurance producer in Texas requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1 (optional): Consider completing a prelicensing course to better prepare for your licensing exam.
- Step 2: Book your exam with Pearson VUE by visiting https://www.pearsonvue.com/us/en/tx/insurance.html. Exams cost $39 to $49 each. Payment must be made at the time of reservation; fees are not accepted at the testing center. Refer to Pearson VUE's Candidate Handbook for additional details at https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124400.pdf. To reschedule, do so at least 24 hours in advance; cancellations must be made at least three days prior to your appointment.
- Step 3: Take and pass your exam at a Pearson VUE test center. On exam day, bring two valid government-issued IDs, one with a photo and signature. You must meet these ID requirements to take the exam. If successful, you will receive a score report; if not, you will get a report outlining strengths and weaknesses.
- Step 4: After you pass, Texas candidates must complete a fingerprint background check with IdentoGO. Follow the instructions at https://www.tdi.texas.gov/agent/fingerprint-instructions.html to begin your application on TDI's online portal and get your service code, then schedule your appointment at https://uenroll.identogo.com/ or by calling (888) 467-2080.
- Step 5: Apply for your license through Sircon (https://www.sircon.com/) or NIPR (https://nipr.com/) within one year of passing the exam.
If you need assistance with any of these steps or have questions about specific requirements, contact the Texas insurance department for the most current information.
Texas insurance exam information
Texas Life Insurance Agent Examination
| Detail | Value |
|---|---|
| Questions | 90 Total Questions (80 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 47.3% (9,819 of 20,772 first-time test takers, 2025) |
Texas Examination for Life and Health Agent
| Detail | Value |
|---|---|
| Questions | 145 Total Questions (130 scored, 15 pretest) |
| Time limit | 2.5 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 56.8% (14,925 of 26,273 first-time test takers, 2025) |
Texas Property and Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 145 Total Questions (130 scored; 15 pretest) |
| Time limit | 2.5 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 59.0% (6,638 of 11,246 first-time test takers, 2025) |
Texas Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 110 Total Questions (100 scored; 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 65.9% (3,361 of 5,102 first-time test takers, 2025) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Texas insurance licensing fees
- Resident new license fees: General Lines $50; Personal Lines P&C $50; L&H $50; Surplus Lines $50
- Nonresident new license fees: same as resident
- Renewal fees: Resident and Nonresident General Lines $50; Surplus Lines $50
- Late renewal/reinstatement allowed: up to 89 days after expiration
Texas insurance license citizenship requirements
Background check and fingerprints required (IdentoGO) for resident licensing
How can I apply for a non-resident insurance license in Texas?
- 1. Must be at least 18 years old.
- 2. Separate applications may be needed for some lines.
- 3. Reciprocity generally applies. Must have an active equivalent license in your resident state.
- 4. Must answer background questions.
- 5. Apply via NIPR ($50 for major lines plus NIPR processing fees).
Texas carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits JIT appointments: Yes
- Initial appointment deadlines: Within 30 days of appointment effective date
- Appointment deadline rule: TX INS § 4001.202- FIN501 must be filed within 30 days
- Can be processed via NIPR: Yes
- Fees for appointing a resident or nonresident agency/individual: $10 per LOA
- Appoint agencies: Yes
- Agency appointment covers affiliated producers: No
- Adjuster appointments via NIPR: No
- Appointment effective date can be specified: No- date is processed by state
- State requires appointment renewal: No, perpetual
Texas insurance license termination details
- Terminations processed via NIPR: Yes
- Termination reasons: Cancelled
- Termination date can be specified: No- date is processed by state
- Termination fee: No fee
- Allows carriers to terminate appointment if license expired: No
- Not-for-cause termination notices can be emailed (body text allowed)
Texas insurance license renewals
Resident renewal period begins: 90 days before expiration ; Renewal date: Last day of birth month every 2 years based on first license issue year ; Late renewal/reinstatement: up to 89 days after expiration ; Nonresident renewal period begins: 90 days before expiration ; Renewal date: Last day of birth month every 2 years
Texas insurance license continuing education (CE) requirements
- Total CE hours: 24 every 2 years
- CE due before license renewal
- Ethics & consumer protection: 3 hours
- Major lines: 12 hours classroom/interactive
- Flood (NFIP): 3 hours
- LTC: 8-hour initial + 4-hour biennial
- Annuity: 4-hour one-time + 8 hours every renewal
- Missed CE: 90 days to complete + $50 per deficient hour
- Agents selling Medicare: 8-hour initial + 4-hour biennial
Texas insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Texas requires no prelicensing course, so you can book your exam as soon as you are ready. Allow time for your fingerprint appointment too. After you pass, you have 1 year to apply.
No. Texas insurance exams are taken in person at Pearson VUE test centers.
Expect to pay $39 to $49 per exam for the exam and $50 per license type for the license. Fingerprinting and any exam prep are extra.
No. Texas does not require a prelicensing course, though a course helps you prepare for the exam.
The passing score is 70 (scaled score). In 2025, 56.8% of first-time test takers passed the Texas life and health exam, according to the NAIC.
Yes. Resident applicants in Texas are fingerprinted through IdentoGO.
Apply through Sircon or NIPR after you pass your exam.
Texas requires 24 hours every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing and where to apply: tdi.texas.gov
- Exam provider, online exams and time to apply after passing: pearsonvue.com
- Exam fee, continuing education and passing score: pearsonvue.com
- License fee: tdi.texas.gov
- Fingerprints: tdi.texas.gov
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Texas and exam provider sources as of . Licensing rules and fees change, so confirm them with the Texas insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Texas, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
