Texas State Requirements

Resident Requirements

All Texas resident licensees (producers and adjusters) must complete 24 hours of CE every 2 year reporting period, including 2 hours of ethics. At least half (12 hrs) of the CE hours must be completed in a classroom setting or with classroom equivalent courses. Courses are no longer divided by license type; therefore, they may be taken in either General and/or Ethics/CP.

This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum training requirements established by FEMA and the National Flood Insurance Program.

Non Resident Requirements

Non-residents, who comply with CE requirements of the resident state, are exempt from Texas CE requirements.

Long-Term Care Training

Before selling long-term care (LTC) partnership policies in Texas, agents must hold a current Life, Accident and Health license and shall have completed an 8-hour LTC partnership certification course. Licensed agents may count an LTC partnership certification course toward completion of their CE requirements.

In addition to the Long-Term Care (LTC) partnership certification course, in each reporting period following the reporting period in which a licensee completed the certification course, the licensee must also complete at least four hours of department-certified CE. These hours may be applied to the total CE requirement.

Annuity Training

All agents wishing to sell, solicit, or negotiate an annuity contract or represent an insurer in relation to an annuity product must complete a one-time, four-hour certification training course prior to engaging.

Additionally, each resident agent must complete eight hours of continuing education that specifically relates to annuities during the agent’s two-year licensing period. A resident agent may use the one-time, four-hour certification training course to satisfy part of the eight-hour annuity continuing education required during the agent’s two-year licensing period.

Medicare Training

Agents wishing to sell, solicit, or negotiate a contract for Medicare products in Texas are required to complete an eight-hour initial certification course (able to be used to satisfy general CE) prior to selling, soliciting, or negotiating a contract for a Medicare product.

Agents must complete four hours of continuing education that specifically relates to Medicare-related products during the agent’s two-year reporting period.

Course Repetition

Course repetition is not permitted within the compliance/renewal period.

Period Requirements

Texas resident and nonresident licensees must complete their CE requirements before the original license issuance anniversary date every two years.

Carryover Requirements

Carryover of CE hours is not permitted.

Reporting Requirements

Need student’s Texas license number to report.

License Term

The license renewal date is 2 years from the license issuance date, and every 2 years following. All required continuing education hours must be completed before the expiration date of the license.

Example: For a renewal date of March 31, 2011, all CE must be completed on or before March 30, 2011.

**Effective January 1, 2016 all individual licenses that expire on and after this date will be aligned to expire on the license agent's birthday.

Any licensed agents who holds only one license, the expiration date will be extended to the individual's next birthday after the licenses current expiration date. Any licensed agents who holds more than one license, their license expiration date will be extended to the latest expiration date of any license held. TDI, Texas Department of Insurance, is currently working on a system to align the expiration dates for licenses expiring on and after January 1, 2016.

State Reporting Fees

The Texas Department of Insurance requires a course reporting fee of $.75 per credit hour (online, self-study and classroom courses). This state reporting fee will be automatically charged to you (on the last credit card used in your account) each time you complete an online, self-study, or classroom course.


The 20 years of licensure needed to qualify for an exemption must be continuous (i.e., no breaks greater than 90 days) and the license must be held under the Texas Insurance Code.

Acceptable Training Methods

  • Correspondence (Print)
  • Company Seminars
  • Classroom
  • CBT/CD-ROM (Computer-Based Training)
  • Online (Internet Delivery)
  • Classroom Equivalent


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

For the most accurate and up to date information please visit the Texas Department of Insurance.