NATIONAL INSURANCE GUIDE

Texas Insurance License

Texas Insurance License: Complete 2026 Guide

Getting a Texas insurance license (also called insurance producer license) is regulated by the Texas Department of Insurance (TDI). Texas has no mandatory pre-licensing education (recommended only) but requires exams, fingerprints, and background checks for Life, Life/Health, Property & Casualty, and other lines. Business-friendly state with low barriers. Apply via Sircon/NIPR. No federal license—state-only.

Texas License Requirements (2026)

Eligibility: Age 18+, Texas resident, clean criminal record (no violent felonies).
Pre-Licensing Education: NOT REQUIRED but strongly recommended (40–50 hours typical).
- Life: 40 hours recommended.
- Life/Health: 40 hours.
- P&C: 40 hours.
- Personal Lines: 30 hours.
- Providers: XCEL, Kaplan (online OK).
State Exam: Pearson VUE. Life: $39 | P&C: $49. 100–130 questions, 70% pass, 120–150 min.
Fingerprints: Required ($50.25 via IdentoGO, code 11G6QF). FBI/DPS background check.
Application: Sircon or NIPR. $50 fee + processing. Processing: 5–15 business days.
Renewal: Biennial, 24 CE hours, $50 fee. No late grace period.

Texas License Types & Exam Details

Type	Pre-Lic (Recommended)	Exam Fee	Questions/Time	Notes
Life	40 hours	$39	80 q / 120 min	Policy types (19%)
Life/Health	40 hours	$43	130 q / 150 min	Health provisions (12%)
Property	40 hours	$49	130 q / 150 min	Property types (17%)
Casualty	40 hours	$49	100 q / 120 min	Bonds/policies (18%)
Personal Lines	30 hours	$49	100 q / 120 min	HO/Auto focus

No exam limits—retake anytime after fail.

Fees Breakdown (Texas 2026)

Item	Cost	Provider
Pre-Lic Course (Optional)	$100–250	XCEL/Kaplan
Exam	$39–49/line	Pearson VUE
Fingerprints	$50.25	IdentoGO (11G6QF)
Application	$50	Sircon/NIPR
Renewal	$50 + 24 CE	TDI
Total Initial (Life)	~$140	Low barrier

Reciprocity & Non-Resident

Full reciprocity: Texas licenses transfer to all 50 states via NIPR. No fingerprints required for non-residents (TDI waiver). Non-resident fee: $50. Texas participates in Producer Licensing Compact.

Top 3 Texas Pre-Lic Providers

XCEL Solutions: Texas-specific, 3-part training. 800-203-9235 | xcelsolutions.com
Kaplan: Simulators, bundles. 800-KAPLAN-8 | kaplanfinancial.com
A.D. Banker: Affordable, exam outlines. 800-432-2262 | adbanker.com

TDI Official: tdi.texas.gov/agent | 512-676-6500 | License@tdi.texas.gov | Sircon/NIPR.

Frequently Asked Questions (15)

Is pre-licensing required in Texas? No—but strongly recommended (40 hours/line). Helps pass 70% exam.
What’s the Texas TDI website/contact? tdi.texas.gov/agent | 512-676-6500.
Who administers Texas insurance exams? Pearson VUE (home.pearsonvue.com/tx/insurance).
Texas application fee? Fingerprint cost? $50 app + $50.25 fingerprints.
Does Texas require high school diploma? No formal education requirement.
Texas exam pass rate/provider? 70% pass, Pearson VUE ($39–49, 100–130 q).
Fingerprinting process in Texas? IdentoGO (11G6QF, $50.25). Save receipt for app.
Texas CE hours for renewal? 24 hours biennial (ethics/management included).
Reciprocity from other states to Texas? Full (50 states), no fingerprints for non-residents.
Can felons get Texas license? Case-by-case; violent felonies typically denied.
Exam locations in Texas? 100+ Pearson VUE (Dallas, Houston, Austin, San Antonio).
How long for Texas license approval? 5–15 business days post-exam/fingerprints.
Texas-specific license types? Life, Life/Health, Property, Casualty, Personal Lines.
Non-resident licensing for Texas? $50 fee, no fingerprints required.
Top 3 pre-lic providers for Texas? XCEL, Kaplan, A.D. Banker (TDI-approved).

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