License Requirements

How to Renew a Texas Insurance License

Updated: May 3, 2023

A.D. Banker Provider #: 32723

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On this page, you’ll find a comprehensive guide to renewing your Texas insurance license. At A.D. Banker & Company, we’re here to walk you through the process and make completing your continuing education requirements as easy and painless as possible.

We offer several different study methods to cater to your needs and help you grow as an insurance professional. Whether you’re interested in learning the latest topics in insurance CE webinars, or having unlimited access to our online CE courses, we strive to provide options that fit around your busy schedule. Each of our courses are designed to not only be straightforward and simple, but also valuable to your career.

To begin the renewal process, you will need to complete 3 steps listed below.

1. Review the State Requirements

The first step to renewing your insurance license is to review Texas’s CE requirements. Depending on which lines of insurance you’re licensed in, the continuing education hours you’re required to complete will vary. All hours must be completed and reported prior to your license renewal date to avoid a lapse in your license. The Texas Department of Insurance recommends completing all continuing education requirements at least 30 days before the license expires.

General Requirements

How many total hours of CE do I need to complete?

Insurance Agents and Adjusters are required to complete 24 total hours every 2 years (except for Limited Lines Agents, who must complete 10 hours). 3 of the 24 hours must be approved as ethics courses.

Licensees may take courses in any line of authority. At least 50% of hours must be in classroom/webinar or classroom equivalent courses.

What courses can I take to satisfy my total hour requirement?

Insurance continuing education credit is earned by taking courses that have been approved by the Texas Department of Insurance (TDI) from registered course providers. Qualifying courses may also be taken to satisfy CE requirements. At least 3 of your hours must be in topics approved as Ethics/Consumer Protection.

What is a qualifying course?

Courses not certified by TDI that can be used for credit. Qualifying courses are insurance courses that are:

Offered for credit by accredited colleges, universities, or law schools
Part of a national designation certification program
Approved for classroom, classroom equivalent, or participatory credit by the continuing education approval authority of a state bar association or state board of public accountancy
Certified or approved for continuing education credit under the guidelines of the Federal Crop Insurance Corporation.

Can I take any continuing education course?

It depends. Texas has 2 sections to their continuing education requirements: general and ethics. You may take courses in any line of authority. However, you may also need to take specific courses or earn specific credit types to renew your license. These course completions will count towards your total hour requirement.

When is the renewal date for my insurance license?

The renewal date occurs every 2 years on the last day of your birth month.

Life & Health Agent Product-specific Requirements

Prior to selling, soliciting or negotiating the following products, you’re required to complete initial certification training. These training hours can be applied towards the total hours needed to renew your license.

What are the requirements to sell annuities?
Resident and nonresident agents licensed on or after January 1, 2022 must complete a one-time 4-hour Annuity Best Interest Certification Training course prior to soliciting, selling, or negotiating annuity products in Texas. After completing the initial requirement, resident agents must complete 8 hours of ongoing CE on the topic of annuities every license period to remain certified. The ongoing CE requirement no longer applies once Texas producers receive a continuing education exemption waiver.

Substantially similar annuity best interest courses completed in another state reciprocate with the Texas requirement.

What are the requirements to sell long-term care products?

Resident and nonresident producers must complete 8 hours of initial Long-Term Care (LTC) Partnership Certification Training before selling, soliciting, or negotiating Long-Term Care (LTC) Partnership products/policies. After completing the initial requirement, 4 hours of ongoing LTC training is required every renewal period to remain certified to sell Partnership policies. This requirement is NOT waived once a producer receives a CE exemption.

What are the requirements to sell Medicare-Related products?

Insurance agents must complete 8 hours of initial Medicare Advantage Plan and/or Medicare Part D training prior to soliciting, selling, or negotiating Medicare-related products. After the initial requirement, agents must complete an additional 4 hours of Medicare-related product training every renewal period to remain certified.

Property & Casualty Agent Product-specific Requirements

What are the requirements to sell flood insurance?

Property/Casualty agents must complete a one-time 3-hour NFIP Flood Insurance Certification Training course prior to selling flood insurance policies.

Do extra hours completed in a previous CE period carry over?
No. Carryover hours are not allowed.

Can I repeat Continuing Education courses for credit?

Courses may not be taken more than once in a reporting period.

Am I exempt from Continuing Education?

The following may qualify for an exemption from Continuing Education requirements:

Nonresidents are exempt if in good standing in resident state
Individuals who have been licensed in Texas continuously for 20 or more years with no gaps in licensure longer than 90 days may apply for an exemption
Extensions or exemptions for good cause may be granted by the Education Coordinator

An insurance agent may be exempt from continuing education requirements; however, this exemption does not apply to certification training courses nor the associated training for product-specific requirements.
If you believe you qualify for an exemption as a resident agent, you must complete a written application.

2. Register for and Complete Courses

Once you have determined the renewal requirements for your license, you are ready to choose and register for insurance continuing education courses. You may complete your hours through webinars, online courses, self-study courses, or any combination thereof. These options allow you to decide how to best fit your continuing education into your existing schedule.

Each course is listed with an associated credit type. You must select courses that have the appropriate credit types for fulfilling the renewal requirements for your license.

Webinars: Completion is based on attendance and participation. You must be present for the full duration of the course, and you must be active throughout to receive credit. There is no certification exam required.

Online and self-study courses: Completion is self-paced. You must review the course material and pass the Certification Exam at the end to receive credit. Certification exams do not require a monitor.

A.D. Banker will report your completed hours to Sircon within 1 business day.

3. File a Renewal Application

Once you have completed your courses and satisfied the renewal requirements for your license, you will need to file a renewal application. The online application will guide you through the renewal process. Upon successful renewal, your licensing record will be updated on the Texas Department of Insurance's website, and your renewed license can be immediately obtained using the state’s Print or Download Your License service.

Frequently Asked Questions

What if my Continuing Education course wasn’t certified by TDI?

If the course meets the criteria for a qualifying continuing education credit, you may complete the request for qualifying continuing education credit form.

How do I find my license number?

To find your license number and other additional details relating to your license, use Texas’s Check a License service.

How do I print my license?

Your license can be printed online through the Texas Department of Insurance’s License Download Service.

How do I view my Continuing Education (CE) transcript?

Your continuing education transcript can be accessed by making an inquiry through Sircon. Your transcript will show the number of hours you’ve completed.

What do I need to have with me when I’m renewing my license?

When you are ready to renew your license online, you should gather the following items to ensure the smoothest process possible:

The renewal email reminder you received, which will contain:
- Your license number; and
- The 6-digit renewal ID number
A credit card or debit card
Your email address

If you did not receive a renewal notice, you can still complete your online renewal using the last 4 digits of your social security number, your license number, and your date of birth.

How will I know when my license is renewed?
Once you have successfully completed the renewal process, your renewed license can be immediately obtained using the state’s Print or Download Your License service.

What if my license renewal is late?
Once the expiration date is passed, you will be in violation and pay any fees before you can renew your license. The fine for not completing continuing education is $50/hour up to $500.

For additional information on late renewals, consult the Texas Department of Insurance.

A.D. Banker & Company provides licensing information as a courtesy to our students. While reasonable attempts have been made to ensure the accuracy of this information, licensees are ultimately responsible for ensuring that they are in compliance with the requirements set forth by their state licensing entity. A.D. Banker & Company offers no guarantee of the accuracy of this information and will not be held liable in case of noncompliance with the license requirements.

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