NATIONAL INSURANCE GUIDE

Texas Insurance License

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)

  1. Eligibility: Age 18+, Texas resident, clean criminal record (no violent felonies).
  2. 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).​
  3. State Exam: Pearson VUE. Life: $39 | P&C: $49. 100–130 questions, 70% pass, 120–150 min.​
  4. Fingerprints: Required ($50.25 via IdentoGO, code 11G6QF). FBI/DPS background check.​
  5. Application: Sircon or NIPR. $50 fee + processing. Processing: 5–15 business days.​
  6. Renewal: Biennial, 24 CE hours, $50 fee. No late grace period.​

Texas License Types & Exam Details

TypePre-Lic (Recommended)Exam FeeQuestions/TimeNotes ​
Life40 hours$3980 q / 120 minPolicy types (19%)
Life/Health40 hours$43130 q / 150 minHealth provisions (12%)
Property40 hours$49130 q / 150 minProperty types (17%)
Casualty40 hours$49100 q / 120 minBonds/policies (18%)
Personal Lines30 hours$49100 q / 120 minHO/Auto focus

No exam limits—retake anytime after fail.​

Fees Breakdown (Texas 2026)

ItemCostProvider ​
Pre-Lic Course (Optional)$100–250XCEL/Kaplan
Exam$39–49/linePearson VUE
Fingerprints$50.25IdentoGO (11G6QF)
Application$50Sircon/NIPR
Renewal$50 + 24 CETDI
Total Initial (Life)~$140Low 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)

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

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