Texas Insurance License Requirements - Life, Property & Casualty (2023)

On this page you will find all of the state-specific information for Insurance Licensing in the state of Texas. This information pertains to resident license applicants. For additional information for resident licensing, or for nonresident license information, please refer to the Texas Department of Insurance website at https://www.tdi.texas.gov/. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.

Texas Department of Insurance

Licensing Division MC 107-1A
333 Guadalupe
Austin, TX 78701
P.O. Box 149104
Austin, TX 78714-9104
Phone: 512-676-6000 or 800-578-4677
Website: https://www.tdi.texas.gov/
Email: License@tdi.state.tx.us

How to Get Your Texas Insurance License

1. Complete an Insurance Prelicensing Course

Texas requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry.

Prelicensing Education Hour Requirements

Producer

  • The state of Texas does not require prelicensing education unless an applicant desires a temporary 90-day license. A temporary 90-day license can be applied for (applies to General Lines—Life, Accident & Health and General Lines—Property & Casualty) which allows the individual to be licensed before passing an examination and receiving the permanent license.
  • Although prelicensing education is not required, due to the difficulty and nature of these exams, Kaplan highly recommends enrolling in a study course.

Adjuster

  • Texas Adjuster (Property & Casualty): 40 Hours
  • Texas Adjuster Worker's Compensation): 40 Hours

Temporary licensees must have a sponsoring licensed insurance company, agency, or agent, and must complete 40 hours of prelicensing education no later than the 14th day after the date of their temporary license application.

Note: although Kaplan offers prelicensing study packages for the Texas Property & Casualty Adjuster license, we do not offer any such packages for the Texas Worker's Compensation Adjuster license.

Acceptable Methods of Education

  • Classroom
  • Self-study
  • Online

Live Class Requirements

In-Class Exam: In Texas, an in-class graded exam is given in the Texas Worker's Compensation and Texas Property & Casualty Adjuster classes to test your readiness for the state exam. The test must be passed with a 70% or greater in order to receive a certificate of completion.

You must be at least 18 years of age and have a basic understanding of the industry to attend our classes. Be sure to take your test within five days of class (test completion is not necessary for those obtaining a temporary license).

Texas Property & Casualty Adjuster Class:

Students are certified to apply for state licensing upon successful completion of the final exam given and graded on the last day of class. In addition to the live class time, the applicant must also complete ten (10) hours of self-study and submit a self-study affidavit to the live class instructor verifying this fact. To be eligible to take the class final exam, the applicant must first complete all required education hours, including the self-study time.

Texas Worker's Compensation Live Class:

Students are certified to apply for state licensing upon successful completion of the final exam given and graded on the last day of class. In addition to the live class time, the applicant must also complete ten (10) hours of self-study in the form of homework given in the first three days of the class. To be eligible to take the class final exam, the applicant must first complete all required education hours, including the self-study time.

Note: Kaplan does not offer live classes that pertain to the Texas Worker's Compensation Adjuster license.

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Online Course Requirements

  • Forced progression: This requires the user to successfully complete each page of the online course before being allowed to proceed to the next.
  • Proctor: In order for a certificate of completion to be earned and issued, the three hours timed certification exam for the Texas Property & Casualty Adjuster course must be monitored by a disinterested third party (an individual who is (A) not related to a student by blood, adoption, or marriage as a parent, child, grandparent, sibling, niece, nephew, aunt, uncle, or first cousin; or (B) not an employee or subordinate of the student).

    Kaplan’s Adjuster License course includes the state certification exam. The exam must be proctored by a disinterested third party (an individual who is (A) not related to a student by blood, adoption, or marriage as a parent, child, grandparent, sibling, niece, nephew, aunt, uncle, or first cousin; or (B) not an employee or subordinate of the student).

    If you are taking the Kaplan online course and successfully pass the proctored certification exam, Kaplan will email you the Certificate of Completion that you may save for your records and print. You will need to mail the Certificate of Completion, along with your fingerprint receipt, Texas Adjuster Application (obtained from the Texas Department of Insurance website), and a $50 fee to the Texas DOI.

Prelicensing Education Exemptions

Applicants who are exempt from the examination must submit documentation which clearly shows the applicant’s name and date the designation was conferred along with their license application.

  • Applicants who hold the CLU® designation are exempt from the General Lines—Life, Accident and Health exam.
  • Applicants who hold the CPCU® designation are exempt from the General Lines—Property and Casualty exam.

Note: Applicants must submit their license application within 12 months of passing the exam or they will be required to retake the exam.

Adjuster License Requirements

The Texas Department of Insurance requires staff and independent adjusters to take a state-approved 40-hour live class or online course offered by an approved education provider. The candidate must also pass a state certification exam administered by the education provider or the states testing administrator.

Kaplan’s Adjuster License course includes the state certification exam. The exam must be proctored by a disinterested third party (an individual who is (A) not related to a student by blood, adoption, or marriage as a parent, child, grandparent, sibling, niece, nephew, aunt, uncle, or first cousin; or (B) not an employee or subordinate of the student). Texas also requires that a Prelicensing Self-Study Course Affidavit form (included with your online course) be completed and submitted to the education provider.

Effective 2/1/2022, the successful passing of your Texas Adjuster exam is reported to the state. In order to report your education, we must have your date of birth and the last 4 of your social security number on your account at the time of course completion. Per the state's requirements, we cannot issue a certificate of completion to you until your education is reported. Your education completion will be reported to the state within 30 days from completion date (pending your required information is present on your account).

If you are taking the Kaplan online course and successfully pass the certification exam Kaplan will email you the Certificate of Completion that you may save for your records and print. You will need to mail the Certificate of Completion along with your fingerprint receipt, Texas Adjuster Application (obtained from the Texas Department of Insurance website), and a $50 fee to the Texas DOI.

Fingerprinting will be available at most test sites through the fingerprint vendor IdentoGO

Student Complaint Policy

Students must address their concerns about this school or any of its educational programs by following the grievance process outlined in the school’s catalog. Schools are responsible for ensuring and documenting that all students have received a copy of the school’s grievance procedures and for describing these procedures in the school’s published catalog. If, as a student, you were not provided with this information, please inform school management.

  • This school has a Certificate of Approval from the Texas Workforce Commission (TWC).
  • The TWC-assigned school number is: S0184.
  • The school’s programs are approved by TWC.

Students dissatisfied with this school’s response to their complaint or who are not able to file a complaint with the school can file a formal complaint with TWC, as well as with other relevant agencies or accreditors, if applicable. Information on filing a complaint with TWC can be found on TWC’s website at www.texasworkforce.org/careerschoolstudents.

2. Pass Your Texas Licensing Exam

After completing your required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the Texas licensing exams, so you will be prepared to pass the first time.

Certificate of Completion Requirements

Insurance Adjusters: Applicants who qualify for an Adjuster license by completing a Texas Department of Insurance (TDI) approved course within 12 months prior to submitting an application, must submit to the TDI the TDI license application (including the application fee) along with the course certificate of completion. (Please see “Adjuster Licensing” above for additional information.)

Exam Provider: Pearson VUE

(Video) Insurance Exam Made Simple: Let's Talk Insurance Regulations and State Law

Texas will begin offering remote proctored state exams. For most major insurance agent lines, you have a new option when you take a certification exam. You can now take an online exam at your home or office. An off-site monitor will use your computer’s webcam and microphone to monitor you. This is currently available for General Lines Life and Health, General Lines Property and Casualty, Personal Lines Property and Casualty, and Life Agent exams. For more information, or to schedule an exam appointment, please visit https://home.pearsonvue.com/tx/insurance.

Frequently Asked Questions About the Texas Licensing Exam

After completing my prelicensing, how should I prepare for exam day?

Exam Preparation

Walk-in examinations are not available. Online reservations are the most efficient way for candidates to schedule their examination. Candidates must go to www.pearsonvue.com/tx/insurance to make an online reservation for an examination. First-time users are required to create an account. The candidate will need to fill in all required fields, which are preceded by an asterisk (*), on the online form in order to create an ID and be assigned a password. Step-by-step instructions will lead the candidate through the rest of the examination reservation process.

Candidates must make an online reservation at least twenty-four (24) hours before the desired examination date. Candidates who wish to make a phone reservation at (888) 754-7667 must do so at least twenty-four (24) hours before the desired examination date.

Before making a reservation, candidates should have the following:

  • Legal name
  • Address
  • Social Security number
  • Daytime telephone number
  • Date of birth
  • The name of the examination(s)
  • The preferred examination date and test center location

Exam Day

Candidates should report to the test center at least thirty (30) minutes before the examination begins to complete registration. Each candidate will leave the test center with an official score report in hand.

Required Identification

Candidate must present two (2) forms of current signature identification. The name on the identification must exactly match the name on the registration. The primary identification must be government issued, photo-bearing with a signature and the secondary identification must contain a valid signature. Identification must be in English.

Primary ID (photograph, and signature, not expired)

  • Government-issued Driver’s License
  • U.S. Dept. of State Driver’s License
  • U.S. Learner’s Permit (plastic card only with photo and signature)
  • National/State/Country Identification Card
  • Passport
  • Passport cards
  • Military ID
  • Military ID for spouses and dependents
  • Alien Registration Card (Green Card, Permanent Resident Visa)

Secondary ID (signature, not expired)

  • U.S. Social Security Card
  • Debit (ATM) Card or Credit card
  • Any form of ID on the Primary list

If the ID presented has an embedded signature that is not visible (microchip), or is difficult or impossible to read, the candidate must present another form of identification from the Primary ID or Secondary ID list that contains a visible signature.

Pearson VUE does not recognize grace periods. For example, if a candidate’s driver’s license expired yesterday and the state allows a 30-day grace period for renewing the ID, the ID is considered to be expired.

What is the exam like?

Security Procedures

The following policies are observed at each test center. Candidates who violate any of these policies will not be permitted to finish the examination and will be dismissed from the test center, forfeiting the examination fee.

  • No personal items are allowed in the testing room. Personal items include but are not limited to:
    • ­Cellular phones, hand-held computers or other electronic devices, pagers, watches, wallets, purses, firearms or other weapons, hats, bags, coats, books, and/or notes, pens or pencils.
  • A Reader or Recorder, for individuals with mobility or vision impairments and cannot read or write on their own 10 Test accommodations are individualized and considered on a case-by-case basis.
  • Calculators are permitted only if they are silent, hand-held, nonprinting, and without an alphabetic key pad. Financial calculators are not permitted. Calculator malfunctions are not grounds for challenging examination results or requesting additional examination time. NOTE: Calculators are NOT provided by the test center staff.
  • Candidates must store all personal items in a secure area as indicated by the administrator, or return items to their vehicle. All electronic devices must be turned off before storing them in a locker.
  • The test center is not responsible for lost, stolen or misplaced personal items.
  • Studying is not allowed in the test center. Visitors, children, family or friends are not allowed in the test center.
  • Dictionaries, books, papers (including scratch paper), and reference materials are not permitted in the examination room (unless permitted by the exam sponsor), and candidates are strongly urged not to bring such materials to the test center.
  • Upon entering and being seated in the testing room, the test administrator will provide the candidate with materials to make notes or calculations and any other items specified by the exam sponsor. The candidate may not write on these items before the exam begins or remove these items from the testing room.
  • Eating, drinking, or chewing gum, smoking and/or making noise that creates a disturbance for other candidates is prohibited during the exam.
  • Break policies are established by the exam sponsor. Most sponsors allow unscheduled breaks.
    • ­To request an unscheduled break, the candidate must raise their hand to get the administrator’s attention. The exam clock will not stop while the candidate is taking a break.
    • ­Candidates must leave the testing room for all breaks. However, candidates are not permitted to leave the floor or building for any reason during this time, unless specified by the administrator and the exam sponsor. If a candidate is discovered to have left the floor or building they will not be permitted to proceed with the examination and may forfeit the exam fees.
    • ­While taking a break, candidates are permitted to access personal items that are being stored during the exam only if necessary— for example, personal medication that must be taken at a specific time. However, a candidate must receive permission from the administrator prior to accessing personal items that have been stored.
    • ­Candidates are not allowed access to other items, including but not limited to, cellular phones, exam notes and study guides, unless the exam sponsor specifically permits this.
  • Any candidate discovered causing a disturbance of any kind or engaging in any kind of misconduct—giving or receiving help; using notes, books, or other aids; taking part in an act of impersonation; or removing examination materials or notes from the examination room—will be summarily dismissed from the examination and will be reported to the state licensing agency.
  • Decisions regarding disciplinary measures are the responsibility of the state licensing agency.

Exam Format

Each major lines examination is given in a multiple-choice format and consists of two parts. The general section deals with basic insurance product knowledge. The state section deals with insurance laws, rules, regulations, and practices that are unique to Texas. The score from the exam is not based on each part separately, but each exam as a whole.

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Many of the examinations will contain “pretest” questions. Pretest questions are questions on which statistical information is being collected for use in constructing future examinations. Responses to pretest questions do not affect a candidate’s score. Pretest questions are mixed in with the scored questions and are not identified.

Exam Evaluation

The passing score of an examination was set by the Texas Department of Insurance (in conjunction with Pearson VUE) after a comprehensive study was completed for each examination. Raw scores are converted into scaled scores that can range from 0 to 100. The scaled score that is reported to you is neither the number of questions you answered correctly nor the percentage of questions you answered correctly. With a passing score of 70, any score below 70 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly. The score from the exam is not based on each part separately, but each exam as a whole.

Score Reporting

Candidates will leave the test center with their official scores in hand. A candidate who failed can schedule for a new exam within one day; there is no limit to the number of attempts a candidate can make on the same exam.

How long is the exam?

Exam CodeLine of AuthorityExam Time
InsTX-ALAdj16Adjuster - All Lines - English2 Hours 30 Minutes
InsTX-ALAdj36Adjuster - All Lines - Spanish2 Hours 30 Minutes
InsTX-PCA81Adjuster - Property & Casualty - English2 Hours 30 Minutes
InsTX-PCA11Adjuster - Property & Casualty - Spanish2 Hours 30 Minutes
InsTX - WCAdj32Adjuster - Workers Compensation - English1 Hour
InsTX-WCAdj52Adjuster - Workers Compensation - Spanish1 Hour
InsTX-LAH05General Lines - Life, Accident & Health - English2 Hours 30 Minutes
InsTX-LAH25General Lines - Life, Accident & Health - Spanish2 Hours 30 Minutes
InsTC-PC06General Lines - Property & Casualty - English2 Hours 30 Minutes
InsTC-PC26General Lines - Property & Casualty - Spanish2 Hours 30 Minutes
InsTX-ISP09Insurance Service Representative - English2 Hours 30 Minutes
InsTX-ISP29Insurance Service Representative - Spanish2 Hours 30 Minutes
InsTX-LHIC42Life and Health Insurance Counselor - English2 Hours 30 Minutes
InsTX-LHIC62Life and Health Insurance Counselor - Spanish2 Hours 30 Minutes
InsTX-Life01Life Agent - English2 Hours
InsTX-Life21Life Agent - Spanish2 Hours
InsTX-LL93Limited Lines - English1 Hour
InsTX-LL13Limited Lines - Spanish1 Hour
InsTX-MGA87Managing General Agent - English2 Hours 30 Minutes
InsTX-MGA07Managing General Agent - Spanish2 Hours 30 Minutes
InsTX-PersPC55Personal Lines Property & Casualty - English2 Hours
InsTX-PersPC75Personal Lines Property & Casualty - Spanish2 Hours
InsTX-PCRM92Property and Casualty Risk Manager - English2 Hours
InsTX-PCRM12Property and Casualty Risk Manager - Spanish2 Hours
InsTX-PbAdj17Public Insurance Adjuster - English2 Hours
InsTX-PbAdj37Public Insurance Adjuster - Spanish2 Hours
InsTX-Surp60Surplus Lines - English1 Hour
InsTX-Surp80Surplus Lines - Spanish1 Hour

3. Get Fingerprinted

All Texas resident applicants, and Adjuster (Designated Home State), and all nonresident public insurance adjuster applicants must submit fingerprints as part of the license application unless the applicant already submitted fingerprints to TDI for another license or registration and that license or registration is still active. Applicants claiming exemption from the fingerprint requirements based on 28 TAC §1.504(b) must provide information on the type of license application or TDI filing with which the fingerprints were submitted and the date the fingerprints were submitted to TDI. Fingerprints provided for an application will be used to check criminal history records of the Texas Department of Public Safety (DPS) and the Federal Bureau of Investigation (FBI), in accordance with applicable statutes.

If you are required to provide fingerprints, your application will not be processed until TDI receives your criminal history reports from the DPS and the FBI. TDI strongly encourages all applicants to use the electronic fingerprinting process. Electronic fingerprinting is fast and accurate, and in most cases will avoid potential delays in the processing of applications.

Most people who apply for a license must: (1) get a fingerprint background check from IdentoGO, and (2) send us a copy of the IdentoGO receipt showing that their fingerprints were sent to the Texas Department of Public Safety.

Some people can ask for an exemption from getting a fingerprint background check. To learn more, see the Texas Administrative Code.

You do not need to get a fingerprint background check if:

You live in Texas and have:

- (1) an active license or registration with us, and (2) already submitted fingerprints; or

- You don’t live in Texas, but you send one of the following with your application:

-- Your criminal history record from your state’s law enforcement agency.

-- Your current Certificate of Good Standing from your state.

To schedule a fingerprint appointment, go to IdentoGO or call 888-467-2080. Use service code 11G6QF when making the appointment.

To learn more, read the fingerprinting requirements and instructions

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4. Apply for a Texas Insurance License

Once you have passed your state licensing exam, you are ready to apply for an insurance license.

After passing the examination, apply for your license by submitting an application electronically through NIPR (www.NIPR.com).

You will be assigned an NPN. This unique identifier is assigned through the licensing application process and is used to track individuals and business entities on a national basis. The NPN is used by many states to replace a producer license number.

5. Plan to Complete Required Insurance Continuing Education (CE) Credits

Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan.

Learn how to renew a Texas insurance license by clicking here.

Notice:

Kaplan's dedicated administrative staff works diligently to ensure your learning experience is as engaging as it is effective. Meet the team byclicking here.

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

Refund Policy

  1. Refund computations will be based on scheduled course time of class attendance through the last date of attendance. Leaves of absence, suspensions and school holidays will not be counted as part of the scheduled class attendance.
  2. The effective date of termination for refund purposes will be the earliest of the following:\n
    • The last day of attendance, if the student is terminated\n by the school;
    • The date of receipt of written notice from the student; or
    • Ten school days following the last date of attendance.
  3. If tuition and fees are collected in advance of entrance, and if after expiration of the 72 hour cancellation privilege the student does not enter school, not more than $100 in any administrative fees charged shall be retained by the school for\n the entire residence program or synchronous distance education course.
  4. If a student enters a residence or synchronous distance education program and withdraws or is otherwise terminated after the cancellation period, the school or college may retain not more than $100 in any administrative fees charged for the entire\n program. The minimum refund of the remaining tuition and fees will be the pro rata portion of tuition, fees, and other charges that the number of hours remaining in the portion of the course or program for which the student has been charged\n after the effective date of termination bears to the total number of hours in the portion of the course or program for which the student has been charged, except that a student may not collect a refund if the student has completed 75 percent\n or more of the total number of hours in the portion of the program for which the student has been charged on the effective date of termination.
  5. Refunds for items of extra expense to the student, such as books, tools, or other supplies are to be handled separately from refund of tuition and other academic fees. The student will not be required to purchase instructional supplies, books\n and tools until such time as these materials are required.

    Once these materials are purchased, no refund will be made. For full refunds, the school can withhold costs for these types of items from the refund as long as they were\n necessary for the portion of the program attended and separately stated in the enrollment agreement. Any such items not required for the portion of the program attended must be included in the refund.

  6. A student who withdraws for a reason unrelated to the student’s academic status after the 75 percent completion mark and requests a grade at the time of withdrawal shall be given a grade of “incomplete” and permitted to re-enroll\n in the course or program during the 12-month period following the date the student withdrew without payment of additional tuition for that portion of the course or program.
  7. A full refund of all tuition and fees is due and refundable in each of the following cases:\n
    • An enrollee is not accepted by the school;
    • If the course of instruction is discontinued by the school and this prevents the student from completing the course; or
    • If the student's enrollment was procured as a result of any misrepresentation in advertising, promotional materials of the school, or representations by the owner or representatives of the school.

A full or partial refund may also be due in other circumstances of program deficiencies or violations of requirements for career schools and colleges.

Refund Policy For Students Called To Active Military Service

  1. A student of the school or college who withdraws from the school or college as a result of the student being called to active duty in a military service of the United States or the Texas National Guard may elect one of the following options for each\n program in which the student is enrolled:\n
    • If tuition and fees are collected in advance of the withdrawal, a pro rata refund of any tuition, fees, or other charges paid by the student for the program and a cancellation of any unpaid tuition, fees, or other charges owed by the student\n for the portion of the program the student does not complete following withdrawal;
    • A grade of incomplete with the designation \"withdrawn-military\" for the courses in the program, other than courses for which the student has previously received a grade on the student's transcript, and the right to re-enroll in the program,\n or a substantially equivalent program if that program is no longer available, not later than the first anniversary of the date the student is discharged from active military duty without payment of additional tuition, fees, or other charges\n for the program other than any previously unpaid balance of the original tuition, fees, and charges for books for the program; or
    • The assignment of an appropriate final grade or credit for the courses in the program, but only if the instructor or instructors of the program determine that the student has:\n
      1. satisfactorily completed at least 90 percent of the required coursework for the program; and
      2. demonstrated sufficient mastery of the program material to receive credit for completing the program.
  2. The payment of refunds will be totally completed such that the refund instrument has been negotiated or credited into the proper account(s), within 60 days after the effective date of termination.

Cancellation & Refund Policy for ASYNCHRONOUS DISTANCE EDUCATION COURSES

Cancellation Policy

A full refund will be made to any student who cancels the enrollment contract within 72 hours (until midnight of the third day excluding Saturdays, Sundays and legal holidays) after the enrollment contact is signed.

Refund Policy

  1. Refund computations will be based on the number of lessons in the program
  2. The effective date of termination for refund purposes will be the earliest of the following:\n
    • the date of notification to the student if the student\n is terminated;
    • the date of receipt of written notice from the student; or
    • the end of the third calendar month following the month in which the student’s last lesson assignment was received unless notification has been received from the student that he wishes to remain enrolled
  3. If tuition and fees are collected before any lessons have been completed, and if, after expiration of the 72-hour cancellation privilege, the student fails to begin the program, not more than $50 shall be retained by the school.
  4. If the student who enters an asynchronous distance education course terminates or withdraws after the expiration of the 72-hour cancellation privilege, the school may retain $50 of the tuition and fees and the minimum refund policy must provide\n that the student will be refunded the pro rata portion of the remaining tuition, fees, and other charges that the number of lessons completed and serviced by the school or college bears to the total number of lessons in the program.
  5. A full refund of all tuition and fees is due in each of the following cases:\n
    • an enrollee is not accepted by the school
    • if the program of instruction is discontinued by the school and this prevents the student from completing the program; or
    • if the student’s enrollment was procured as a result of any misrepresentation in advertising, promotional materials of the school, or misrepresentations by the owner or representatives of the school.

Refund Policy For Students Called To Active Military Service

  1. A student of the school or college who withdraws from the school or college as a result of the student being called to active duty in a military service of the United States or the Texas National Guard may elect one of the following options for each\n program in which the student is enrolled:\n
    • if tuition and fees are collected in advance of the withdrawal, a pro rata refund of any tuition, fees, or other charges paid by the student for the program and a cancellation of any unpaid tuition, fees, or other charges owed by the student\n for the portion of the program the student does not complete following withdrawal;
    • a grade of incomplete with the designation \"withdrawn-military\" for the courses in the program, other than courses for which the student has previously received a grade on the student's transcript, and the right to re-enroll in the program,\n or a substantially equivalent program if that program is no longer available, not later than the first anniversary of the date the student is discharged from active military duty without payment of additional tuition, fees, or other charges\n for the program other than any previously unpaid balance of the original tuition, fees, and charges for books for the program; or
    • the assignment of an appropriate final grade or credit for the courses in the program, but only if the instructor or instructors of the program determine that the student has:\n
      1. satisfactorily completed at least 90 percent of the required coursework for the program; and
      2. demonstrated sufficient mastery of the program material to receive credit for completing the program.
  2. Refunds will be totally consummated within 60 days after the effective date of termination.

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Cancellation & Refund Policy for SYNCHRONOUS, LIVE ONLINE CLASSES

Cancellation Policy

A full refund will be made to any student who cancels the enrollment contract within 72 hours (until midnight of the third day excluding Saturdays, Sundays and legal holidays) after the enrollment contract is signed. A full refund will also be made to any student who cancels enrollment within the student’s first three scheduled class days, except that the school may retain not more than $100 in any administrative fees charged, as well as items of extra expense that are necessary for the portion of the program attended and stated separately on the enrollment agreement.

Refund Policy

  1. Refund computations will be based on scheduled course time of class attendance through the last date of attendance. Leaves of absence, suspensions and school holidays will not be counted as part of the scheduled class attendance.
  2. The effective date of termination for refund purposes will be the earliest of the following:
    • The last day of attendance, if the student is terminated by the school;
    • The date of receipt of written notice from the student; or
    • Ten school days following the last date of attendance.
  3. If tuition and fees are collected in advance of entrance, and if after expiration of the 72 hour cancellation privilege the student does not enter school, not more than $100 in any administrative fees charged shall be retained by the school for the entire residence program or synchronous distance education course.
  4. If a student enters a residence or synchronous distance education program and withdraws or is otherwise terminated after the cancellation period, the school or college may retain not more than $100 in any administrative fees charged for the entire program. The minimum refund of the remaining tuition and fees will be the pro rata portion of tuition, fees, and other charges that the number of hours remaining in the portion of the course or program for which the student has been charged after the effective date of termination bears to the total number of hours in the portion of the course or program for which the student has been charged, except that a student may not collect a refund if the student has completed 75 percent or more of the total number of hours in the portion of the program for which the student has been charged on the effective date of termination.
  5. Refunds for items of extra expense to the student, such as books, tools, or other supplies are to be handled separately from refund of tuition and other academic fees. The student will not be required to purchase instructional supplies, books and tools until such time as these materials are required.

    Once these materials are purchased, no refund will be made. For full refunds, the school can withhold costs for these types of items from the refund as long as they were necessary for the portion of the program attended and separately stated in the enrollment agreement. Any such items not required for the portion of the program attended must be included in the refund.

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  6. A student who withdraws for a reason unrelated to the student’s academic status after the 75 percent completion mark and requests a grade at the time of withdrawal shall be given a grade of “incomplete” and permitted to re-enroll in the course or program during the 12-month period following the date the student withdrew without payment of additional tuition for that portion of the course or program.
  7. A full refund of all tuition and fees is due and refundable in each of the following cases:
    • An enrollee is not accepted by the school;
    • If the course of instruction is discontinued by the school and this prevents the student from completing the course; or
    • If the student's enrollment was procured as a result of any misrepresentation in advertising, promotional materials of the school, or representations by the owner or representatives of the school.

A full or partial refund may also be due in other circumstances of program deficiencies or violations of requirements for career schools and colleges.

Refund Policy For Students Called To Active Military Service

  1. A student of the school or college who withdraws from the school or college as a result of the student being called to active duty in a military service of the United States or the Texas National Guard may elect one of the following options for each program in which the student is enrolled:
    • If tuition and fees are collected in advance of the withdrawal, a pro rata refund of any tuition, fees, or other charges paid by the student for the program and a cancellation of any unpaid tuition, fees, or other charges owed by the student for the portion of the program the student does not complete following withdrawal;
    • A grade of incomplete with the designation "withdrawn-military" for the courses in the program, other than courses for which the student has previously received a grade on the student's transcript, and the right to re-enroll in the program, or a substantially equivalent program if that program is no longer available, not later than the first anniversary of the date the student is discharged from active military duty without payment of additional tuition, fees, or other charges for the program other than any previously unpaid balance of the original tuition, fees, and charges for books for the program; or
    • The assignment of an appropriate final grade or credit for the courses in the program, but only if the instructor or instructors of the program determine that the student has:
      1. satisfactorily completed at least 90 percent of the required coursework for the program; and
      2. demonstrated sufficient mastery of the program material to receive credit for completing the program.
  2. The payment of refunds will be totally completed such that the refund instrument has been negotiated or credited into the proper account(s), within 60 days after the effective date of termination.

Cancellation & Refund Policy for ASYNCHRONOUS DISTANCE EDUCATION COURSES

Cancellation Policy

A full refund will be made to any student who cancels the enrollment contract within 72 hours (until midnight of the third day excluding Saturdays, Sundays and legal holidays) after the enrollment contact is signed.

Refund Policy

  1. Refund computations will be based on the number of lessons in the program
  2. The effective date of termination for refund purposes will be the earliest of the following:
    • the date of notification to the student if the student is terminated;
    • the date of receipt of written notice from the student; or
    • the end of the third calendar month following the month in which the student’s last lesson assignment was received unless notification has been received from the student that he wishes to remain enrolled
  3. If tuition and fees are collected before any lessons have been completed, and if, after expiration of the 72-hour cancellation privilege, the student fails to begin the program, not more than $50 shall be retained by the school.
  4. If the student who enters an asynchronous distance education course terminates or withdraws after the expiration of the 72-hour cancellation privilege, the school may retain $50 of the tuition and fees and the minimum refund policy must provide that the student will be refunded the pro rata portion of the remaining tuition, fees, and other charges that the number of lessons completed and serviced by the school or college bears to the total number of lessons in the program.
  5. A full refund of all tuition and fees is due in each of the following cases:
    • an enrollee is not accepted by the school
    • if the program of instruction is discontinued by the school and this prevents the student from completing the program; or
    • if the student’s enrollment was procured as a result of any misrepresentation in advertising, promotional materials of the school, or misrepresentations by the owner or representatives of the school.

Refund Policy For Students Called To Active Military Service

  1. A student of the school or college who withdraws from the school or college as a result of the student being called to active duty in a military service of the United States or the Texas National Guard may elect one of the following options for each program in which the student is enrolled:
    • if tuition and fees are collected in advance of the withdrawal, a pro rata refund of any tuition, fees, or other charges paid by the student for the program and a cancellation of any unpaid tuition, fees, or other charges owed by the student for the portion of the program the student does not complete following withdrawal;
    • a grade of incomplete with the designation "withdrawn-military" for the courses in the program, other than courses for which the student has previously received a grade on the student's transcript, and the right to re-enroll in the program, or a substantially equivalent program if that program is no longer available, not later than the first anniversary of the date the student is discharged from active military duty without payment of additional tuition, fees, or other charges for the program other than any previously unpaid balance of the original tuition, fees, and charges for books for the program; or
    • the assignment of an appropriate final grade or credit for the courses in the program, but only if the instructor or instructors of the program determine that the student has:
      1. satisfactorily completed at least 90 percent of the required coursework for the program; and
      2. demonstrated sufficient mastery of the program material to receive credit for completing the program.
  2. Refunds will be totally consummated within 60 days after the effective date of termination.

FAQs

What kind of license do you need to sell insurance in Texas? ›

The General Lines Property and Casualty license allows you to sell auto, home and business insurance. The General Lines Life, Accident and Health allows you to sell those types of policies. There are additional requirements if you plan to sell annuities or Medicare products.

What disqualifies you from getting an insurance license in Texas? ›

Of course, certain charges do prohibit you from gaining an insurance license, such as any first-degree felonies or crimes involving breaches of trust or legal agreements and fraud.

Is the Texas Property and casualty exam hard? ›

The Property and Casualty insurance licensing exam is challenging. It requires hard work and effort to prepare, but by following these study tips, you should be well on your way to passing the exam on the first try. It's also helpful to learn what to expect on exam day.

How many questions are on the Texas P&C exam? ›

How many questions are on the Texas insurance exam? The Texas General Lines Property and Casualty exam has 150 questions. The breakdown is 100 scorable + 15 pretest questions on national/general content and 30 scorable + 5 pretest questions on Texas state specific content.

What do you need to sale life insurance in Texas? ›

If you want to apply for an agent license:
  1. You must pass the exam before applying. ...
  2. You must complete your fingerprints and then submit an application within one year of passing the exam or you will need to retake the exam.
  3. You must apply online by using Sircon or the National Insurance Producer Registry.
16 Sept 2022

What types of insurance licenses are there in Texas? ›

The most common licenses new insurance agents get are the property & casualty license (P&C), life and health insurance license (L&H). The types of insurance products and policies you'll be selling will determine which licenses you need.

How much do life insurance agents make in Texas? ›

The average salary for a insurance agent in Texas is $42,000 per year. Insurance agent salaries in Texas can vary between $18,500 to $96,000 and depend on various factors, including skills, experience, employer, bonuses, tips, and more.

How long does a Texas life insurance license last? ›

In Texas, insurance licenses expire every two years. The expiration will be on your date of birth, biennially, based on the anniversary of your original license year.

How do I get my insurance license in Texas? ›

How to Get Your Texas Insurance License
  1. Complete an Insurance Prelicensing Course. ...
  2. Pass Your Texas Licensing Exam. ...
  3. Get Fingerprinted. ...
  4. Apply for a Texas Insurance License. ...
  5. Plan to Complete Required Insurance Continuing Education (CE) Credits.

How long is the Texas insurance license course? ›

In-person insurance courses are usually taught over a period of 3-5 days and scheduled right before the Texas insurance licensing exam is given by the test provider (Pearson VUE, Prometric, PAN, PSI, etc.).

What would make you ineligible for life insurance? ›

Their reasons could be anything from a serious medical condition (like heart disease) or poor results from your life insurance medical exam to nonmedical reasons like bankruptcy, a criminal record, a positive drug test or even a dangerous hobby.

How hard is the Texas insurance exam? ›

While the Texas Insurance Exam isn't regarded as the nation's most difficult, it's a comprehensive assessment that can punish unprepared test-takers. It also covers a wide range of issues that aren't directly related to life insurance. Before you take the exam, you'll need to know the ins and outs of: Health.

Can I get an insurance license in Texas with a felony? ›

From time to time we get people asking us if it is possible to get an insurance adjuster license with the Texas Department of Insurance (TDI) when they have a felony or a misdemeanor on their record. The short answer is YES.

How much do Property and casualty insurance agents make in Texas? ›

How much does a P&C Insurance make in Texas? As of Nov 13, 2022, the average annual pay for the P&C Insurance jobs category in Texas is $45,921 a year. Just in case you need a simple salary calculator, that works out to be approximately $22.08 an hour. This is the equivalent of $883/week or $3,826/month.

How many times can you take the Texas insurance exam? ›

There is no limit to the number of times a candidate can take an exam. However, a new testing fee must be paid for each exam retake ($43). It is also important for you to know the next time you take the exam you may not see any of the same questions you encountered before.

How long is a Property and casualty license good for in Texas? ›

In Texas, you must take 24 hours of continuing education (CE) courses every two years to renew your P&C license.

How many times can you take the P&C exam in Texas? ›

Keep in mind, that neither your score on your P&C exam nor how many times it takes you to pass is an indication of how great you are going to be at this job. If you do fail, you can schedule a new exam within one day. There is no limit to the number of times a candidate can take an exam.

How long is the P&C test in Texas? ›

The combined Texas property and casualty insurance exam is two and a half hours, with 150 questions on property and casualty policies and related issues. Score 70 percent or more to pass. Before you can receive your license, you need a fingerprint background check.

Do you need to be qualified to sell life insurance? ›

Legally, you don't need a qualification to advise on protection and insurance.

Do you need a license to sell insurance in Texas? ›

Getting your Texas insurance license will allow you to work for an insurance company or as an independent broker. In Texas, you must be licensed in order to sell insurance policies or even discuss insurance matters with customers.

How do I start a life insurance sale? ›

In order to sell life insurance, you must become a licensed life and health insurance agent in your state (or any state that you plan on selling in). The basic insurance licensing requirements include: Be at least 18 years old. Complete pre-licensing education.

What are the 4 main types of insurance categories? ›

Four types of insurance that most financial experts recommend include life, health, auto, and long-term disability.

What are the three classes of insurance? ›

  • Health insurance. It allows the insured to cover up medical expenses while visiting a doctor and other major costs usually involved during surgeries. ...
  • Life insurance. ...
  • Rental or property insurance.
28 Jan 2014

What is the best insurance designation to have? ›

Here are the most popular and respected designations these organizations offer:
  • #1 Certified Insurance Counselor – CIC.
  • #2 Certified Risk Manager – CRM.
  • #3 Certified WorkComp Advisor – CWCA.
  • #4 Accredited Advisor in Insurance – AAI.
  • #5 Certified Insurance Service Representative – CISR.
  • #6 Certified WorkComp Specialist – CWCS.
9 Sept 2020

What insurance license pays the most? ›

Overview of the Insurance Field

While there are many kinds of insurance (ranging from auto insurance to health insurance), the most lucrative career in the insurance field is for those selling life insurance.

Is it hard to sell life insurance? ›

Life insurance is a very difficult product to sell. Simply getting your prospect to acknowledge and discuss the fact they are going to die is a hard first step. When and if you clear that hurdle, your next task is creating urgency so they buy right away.

Is there a demand for life insurance agents? ›

The Bureau of Labor Statistics projects 7.0 percent employment growth for insurance sales agents between 2020 and 2030. In that period, an estimated 35,500 jobs should open up. Insurance sales agents solicit, sell and negotiate insurance policies.

How much do insurance agents make? ›

The national average salary for an insurance agent in the United States is $79,965 per year with a salary range between $17,000 per year and $188,000 per year, although salary rates by profession and region throughout this article will always be fluctuating.

How much does it cost to renew your life insurance license in Texas? ›

License renewal

The renewal fee is $50. The late fee is $25. There are several ways to renew your license: If you have more than 30 days to renew, use Sircon ($8.25 to process), National Insurance Producer Registry ($5 to process), or Texas.gov (no charge to process)

How many hours do you need for insurance license in Texas? ›

Continuing Education Requirements by License Type
LicenseRequirement per two-year renewal period
General Lines - Life, Accident, Health, and HMO (LAH)24 hours, including 3 hours of ethics
General Lines - Property and Casualty (PC)24 hours, including 3 hours of ethics
Life Agent24 hours, including 3 hours of ethics
7 more rows

What states have reciprocity with Texas insurance license? ›

What is a reciprocal license for insurance adjusters? Texas offers a reciprocal license to all states but California, Hawaii, and New York.

How much do insurance agents make in Dallas? ›

The average Insurance Agent salary in Dallas, TX is $53,216 as of October 27, 2022, but the range typically falls between $48,603 and $60,031. Salary ranges can vary widely depending on many important factors, including education, certifications, additional skills, the number of years you have spent in your profession.

Who is exempt from taking CE classes in Texas? ›

How do I become exempt from CE? An agent who has been licensed for 20 consecutive years is exempt from the continuing education requirement upon request. The exemption does not apply to the education requirements for licensees selling Medicare-related products. A request for exemption form is available from TDI.

How many hours training do you need to be an insurance agent? ›

Licensing for Insurance Agent

You must enroll yourself with the insurance company you like to be associated with. Only through that insurer, you will be able to appear for the examination. You should complete 50 hours of training from an IRDAI approved training institution to act as a Life Insurance agent.

How many CE hours are required for P&C license in Texas? ›

Continuing education credits

To keep your license in good standing, you must take 24 hours of continuing education every two years. Three hours must be in ethics / consumer protection (if your license expired on or before August 31, 2022, you need only two hours of ethics).

What are 3 reasons you may be denied from having life insurance? ›

4 most common reasons why insurers deny life insurance claims
  • The death happened during the contestability period. ...
  • The type of death wasn't covered in the policy. ...
  • You failed to disclose relevant personal information. ...
  • You failed to keep up with policy premiums.
1 Jun 2015

When can you be denied life insurance? ›

A life insurance application may be denied if you have high-risk medical conditions, dangerous hobbies, or if you left important information off your application. You may also be ineligible for certain policies due to advanced age. It depends on the reason you were denied and the insurance company.

What are the requirements for life insurance? ›

About the Application Process
  • Your height and weight.
  • Your date of birth.
  • Your medical history.
  • Your family's medical history.
  • Any plans for high-risk activities.
  • Current medications.
  • Drug and alcohol consumption.
  • Financial information (income, net worth, place of employment)
9 Jan 2018

How much does it cost to take the Texas insurance exam? ›

The Texas life insurance exam fee is $33, which you must pay at the time of reservation by credit card, debit card, or voucher. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.

What is the passing score for Texas life and Health Insurance exam? ›

To qualify for this offer, you must pass our Guarantee Exam with a score of 80% to determine maximum exam readiness. While completing this portion of your online course is not required, we highly recommend taking this extra step.

How much is the Texas Property and casualty exam? ›

Application: agent or agency

You must complete your fingerprints and then submit an application within one year of passing the exam or you will need to retake the exam. You must apply online by using Sircon or the National Insurance Producer Registry. The application fee is $50.

Can you sell life insurance with a felony in Texas? ›

(f) The department shall not issue a license or authorization if an applicant has committed a felony or misdemeanor, or engaged in fraudulent or dishonest activity that directly relates to the duties and responsibilities of the licensed occupation unless the commissioner finds that the matters set out in subsection (h) ...

Can I get an insurance license with a misdemeanor in Texas? ›

Yes, you can qualify for an insurance license if you have a misdemeanor or felony conviction; however, it depends on the hiring company and licensing state.

How long does a felony stay on your record in Texas? ›

Felony, three years from the date of your arrest.

How much do property and casualty insurance agents make in Texas? ›

How much does a P&C Insurance make in Texas? As of Nov 13, 2022, the average annual pay for the P&C Insurance jobs category in Texas is $45,921 a year. Just in case you need a simple salary calculator, that works out to be approximately $22.08 an hour. This is the equivalent of $883/week or $3,826/month.

How long is the Texas property and casualty exam? ›

The combined Texas property and casualty insurance exam is two and a half hours, with 150 questions on property and casualty policies and related issues. Score 70 percent or more to pass. Before you can receive your license, you need a fingerprint background check.

How much does a licensed insurance agent make in Texas? ›

The average salary for a licensed insurance agent in Texas is $35,000 per year. Licensed insurance agent salaries in Texas can vary between $17,500 to $69,500 and depend on various factors, including skills, experience, employer, bonuses, tips, and more.

Do you have to take classes to be an insurance agent in Texas? ›

The Texas Department of Insurance requires you to take an approved pre-licensing course in order to be eligible to take the insurance licensing exam.

What type of insurance agent makes the most money? ›

Overview of the Insurance Field

While there are many kinds of insurance (ranging from auto insurance to health insurance), the most lucrative career in the insurance field is for those selling life insurance.

How much does a life insurance agent make in Texas? ›

The average salary for a insurance agent in Texas is $42,000 per year.

How much can you make a month selling life insurance? ›

While ZipRecruiter is seeing monthly salaries as high as $12,708 and as low as $1,708, the majority of LIFE Insurance Agent salaries currently range between $4,625 (25th percentile) to $8,333 (75th percentile) across the United States.

Is the Texas life insurance exam hard? ›

While the Texas Insurance Exam isn't regarded as the nation's most difficult, it's a comprehensive assessment that can punish unprepared test-takers. It also covers a wide range of issues that aren't directly related to life insurance. Before you take the exam, you'll need to know the ins and outs of: Health.

Can you make millions as an Insurance Agent? ›

Is It Possible To Become A Millionaire Selling Insurance? A big yes. But like any other job, it takes time to be good at what you do and attain such income levels. Top agents earn anywhere between $100,000 to one million dollars.

How do insurance agents make so much money? ›

How Insurance Brokers Make Money. The primary way an insurance broker makes money is from commissions and fees earned on sold policies. These commissions are typically a percentage of the policy's total annual premium. An insurance premium is the amount of money an individual or business pays for an insurance policy.

Videos

1. Becoming a P&C Insurance Agent - What to Expect
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2. How To Get A P&C License In Texas
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3. Texas Life Insurance Pre-Licensing Practice Exam Questions 2021 Guide
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4. Laws And Ruls Pertinent To Insurance
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5. How to Become a Life Insurance Agent in Texas and Mistakes To Avoid That Will Make You Fail
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