Texas
Cassie Brown
Texas Department of Insurance
P.O. Box 149104
Austin, Texas , 78714
Appointments & Terminations
Yes
Yes
Within 30 days of appointment effective date
TX INS § 4001.202 Insurers must file the "Notice of Appointment or Appointment Termination" Form (FIN501) within 30 days of the appointment.
Yes
$10 per LOA
$10 per LOA
Yes
No
No
No
Not required and is the date the transaction is processed by the state.
No, perpetual
No fees
No
Yes
Cancelled
No
Not required and is the date the transaction is processed by the state. Must not precede the effective date of the appointment.
No fee
No
Email notices are permitted
Within the email body text
Licensing
Resident New License General Lines Agent: $50
Resident New License Personal Lines Property & Casualty Agent: $50
Resident New License Life/Accident & Health Agent: $50
Resident New License Surplus Lines Broker: $50
Nonresident New License General Lines Agent : $50
Nonresident New License Personal Lines Property & Casualty Agent: $50
Nonresident New License Life/Accident & Health Agent $50.00
Nonresident New License Surplus Lines Broker $50.00
Resident: General Lines Agent Renewal Fee: $50 Late Renewal Fee: $75 Personal Lines Property & Casualty Agent Renewal Fee: $50 Late Renewal Fee: $75 Life Agent Renewal Fee: $50 Late Renewal Fee: $75 Surplus Lines Agent Renewal Fee: $50 Late Renewal Fee: $75 Managing General Agent Renewal Fee: $50 Late Renewal Fee: $75 Limited Lines Agent Renewal Fee: $50 Late Renewal Fee: $75 Nonresident: General Lines Agent Renewal Fee: $50 Late Renewal Fee: $75 Personal Lines Property & Casualty Agent Renewal Fee: $50 Late Renewal Fee: $75 Life Agent Renewal Fee: $50 Late Renewal Fee: $74 Surplus Lines Agent Renewal Fee: $50 Late Renewal Fee: $75 Managing General Agent Renewal Fee: $50 Late Renewal Fee: $75 Limited Lines Agent Renewal Fee: $50 Late Renewal Fee: $75
90 days before expiration
Last day of birth month every 2 years based on year of first state license issue
Late renewal allowed up to 89 days after expiration
90 days before expiration
Last day of birth month every 2 years based on year of first state license issue
Late renewal allowed up to 89 days after expiration
No
No
Residence, Business, and Mailing
Escrow Officer, Life Insurance Not Exceeding $25,000, Public Insurance Adjuster Trainee, Casualty, Solicitor, Public Insurance Adjuster, Life, Premium Finance, Trainee License, Temporary General Line - L&H Agent, Temporary Life Insurance Not Exceeding $25,000, Joint Underwriting Association, Personal Lines P&C Agent/Agency, Temporary Life, Temporary Personal Lines Property and Casualty, Life Settlement Brokers, General Lines Agency/Agent, Limited Lines Agency/Agent, Managing General Agency/Agent, Reinsurance Broker, Reinsurance Manager, Surplus Lines Agency/Agent, Specialty Insurance Agency/Agent, Life And Health Insurance Counselor, Pre-Need Agent, Adjuster, Discount Healthcare Program Operator Registration, Fire and Casualty, Adjuster - Designated Home State Texas, Foreign Risk Retention Groups, Single Service Health Main Organization, Trusteed Life Reinsurer, Viatical Life Settlement Brokers, Third Party Administrators, Risk Manager, Insurance Service Representative, Life Agent/Agency, Limited Lines Agent/Agency, County Mutual Agent/Agency, Temporary County Mutual Agent, Temporary General Lines - Emergency Adjuster, Temporary General Lines P/C Agent, Temporary Pre Need Agent
Yes, but only if the initial policy doesn't cover risks in Texas and the Texas-specific portions of a contract were added after the initial policy was issued
Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA
No
No pre license education requirements EXCEPT Individual navigator applicants must complete education requirements prior to registration. a. An individual must complete 40 hours including: I. 20 hours of training required for navigators under any regulation enacted under 42 USCA 18031 with passing scores on all exams associated with the training requirements; and II. 20 hours of a Department-certified preregistration education course including: (1) 5 hours of Texas-specific Medicaid and Children's Health Insurance Program provisions; (2) 5 hours of applicable privacy requirements; (3) 5 hours of ethics; (4) 2 hours of basic insurance terminology and how insurance works; (5) 2 hours of exam preparation; and (6) 1 hour for completing the final examination. b. The Department-certified courses may consist of classroom courses, classroom equivalent courses, self-study courses, or one-time event courses. c. A score of at least 70% is required to pass the initial education course final examination. An individual may retake the examination once without being required to retake the course. d. An individual submitting a registration application does not need to complete or provide proof of compliance with the training requirements until 5/1/2014
Yes, for Resident Licensing
Required with Application - IdentoGO
One Year
NIPR Gateway
If your TX DHS adjuster license has expired and you apply for a producer license, note that the Texas Department of Insurance imposes penalties for each month the adjuster license remains active without the required continuing education. Your producer license application will stay pending until you complete the necessary education, pay a $500 late renewal fine, and reinstate your TX DHS license, regardless of whether you plan to keep it.
None
No
Personal Lines Property & Casualty
Every licensee must notify the Department monthly of a change in the licensee's mailing address. Contact Change Request supported via NIPR Gateway.
Agency
No
Yes
Yes
Licensed Producer in State & cumulatively hold all LOAs. One DRLP must be an owner, partner, officer, director.
90 days prior to expiration date until the expiration date. Late renewals end 89 days after the expiration date. The reinstatement period begins 91 days after the expiration date.
Yes
All producers selling on behalf of or through a business entity are affiliated.
License not required but branch must be registered
Every licensee must notify the Department monthly of a change in the licensee's mailing address. Business Entities must use "Licensee Name/Address Change Request Form" found on state's website.
A travel retailer can sell travel insurance under the license and direction of a supervising licensed entity.
Adjuster
Yes
Yes
AK, AL, AR, AZ, CT, DE, FL, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, NV, OK, OR, RI, SC, UT, VT, WA, WV, WY
CA, HI, NY, PR
All Lines
Licensing Fee: $50 Reinstatement Fee: $75 Renewal Fee: $50 Late Fee: $25
Yes
A fingerprint background check is required. If you are a nonresident with an active license in your home state, you can apply for this license.
Biennially, on the individual's birth date. If born in an even numbered year, your license will renew in even numbered years. Odd numbered years renew in odd numbered years.
Fingerprint background checks required and proof of a surety bond of $10,000.
Public Adjuster
**Licensing Fee: **$50 **Reinstatement Fee: **$75 **Renewal Fee: **$50 **Late Fee: **$25
Yes
There is no exam required for the Emergency Adjuster license in TX. One requires sponsorship from an individual with an active TX license or an insurance company licensed in TX. Application fee is $20 and the license lasts 90 days.
Yes
CT, DE, FL, KY, LA, NV, NH, NM, NC, OK, RI, SC, VT, WV, WY
All Lines
Licensing Fee: $50 Reinstatement Fee: $75 Renewal Fee: $50 Late Fee: $25
Yes
Biennially
Yes
The adjuster needs to have a Workers Comp Adjuster License or an All Lines Adjuster License issued by TDI.
Yes
Continuing Education
24
2 years
Yes
Last day of birth month
Year of first license issuance
Prior to license expiration.
If you’ve held your license for more than 20 years with no breaks greater than 90 days and the license is held under the Texas Insurance Code, then you don’t need to worry about CE.
Licensee has 90 days to complete the deficient number of hours and pay a fine of $50 per deficient hour.
3 hours ethics and consumer protection
12 hours must be classroom or "classroom equivalent" interactive Texas recommends completing at least 30 days in advance of renewal to allow ample processing time
3 hours of NFIP course
8-hour initial certification, with 4 hours of LTC-specific training every two years
One-time, 4-hour course; 8 hours every renewal cycle
The 24 hours of continuing education must include 3 hours of Ethics.
Agents selling Medicare policies must take 8-hour initial certification, with 4 hours of Medicare-specific training every two years
https://agentsync.io/blog/individual-producers/insurance-continuing-education-texas
Regulatory Updates
Texas State Securities Board Adoption of Rules
Effective March 13, 2025, Texas State Securities Board adopted rules to recognize: - SEC Regulation Best Interest - SEC Marketing Rule by Reference - FINRA Rules on Residential Supervisory Locations (RSLs) - FINRA Remote Inspections Pilot Program (RIPP) - Examination Validity Extension Programs (EVEP) - Maintaining Qualifications Program (MQP) Please use the following link for more information. [Texas State Securities Board Rules](https://www.ssb.texas.gov/news-publications/updates-texas-state-securities-board-rules-concerning-dealers-and-investment)
Texas Reporting of Zero Reports for Surplus Lines
Posted February 10, 2025, Texas has pushed a code change to no longer require zero reports for Surplus Lines Agents and Agencies. Note, Surplus Lines Insurers still must report. Please see the attachment for more information.
Texas Department of Insurance Amends Denial Hearing Timeline
Effective October 14, 2024, Texas Department of Insurance amended outdated laws and has revised the timeline for setting up a hearing with the Department. If an applicant’s application for a license or certificate of authority is denied, the person will have 30 days from the date of denial to make a written request for a hearing. Please see the attachment for more information.
Texas Webinar Licensing and Best Practices
On September 12, 2024, Texas Department of Insurance is hosting a webinar where they will discuss recent changes in licensing and best practices for getting and maintaining an insurance license.
Attendees can earn one hour of CE credit. Use the following link to sign up or to find more information.
Texas To Raise Prices For Submitting Course Completion Information
Effective October 1, 2024, Texas will raise the cost for submitting course completion information. The price will increase to $1.30 per credit hour reported. Please see the attachment for more information.
Texas Issues a Disaster Declaration
On July 10, 2024, Texas Acting Governor Dan Patrick issued a disaster declaration from a recent hurricane including claims and emergency adjuster information.
Texas Department of Insurance Proposal – Rules for Licensing of Military Service Members, Veterans, and Military Spouses
The Texas Department of Insurance (TDI) proposes new and amended rules for licensing of military service members, veterans, and military spouses. Full details in attached document from TDI.
Texas Department of Insurance Makes Changes for Residents and Nonresidents Related to Subagents and License Continuation
Texas Department of Insurance made the following changes effective December 5, 2023 for residents and Nonresidents.
Texas Reduces the Stamping Fee for Surplus Lines Insurance Contracts beginning January 1, 2024
On January 1, 2024, Texas will reduce the stamping fee for surplus lines measured by premium. Please read the attachment for more information.
Texas Issues Bulletin Related to Insurance Legislation Enacted
On August 31, 2023, Texas issued a bulletin describing insurance legislation enacted during their 88th Legislature, Regular Session, 2023. See attachment for full details.
Texas Issued Commissioner’s Bulletin Regarding Reporting of Cybersecurity Incidents
On July 18, 2023, Texas issued a Commissioner’s Bulletin to lay out the requirements for reporting of Cybersecurity Incidents by Insurance Carriers in the state. See attachment for full details.
Texas Made Changes Related to Navigators and Home Office Salaried Employees
TX made the following changes effective June 19, 2023 for Residents and Nonresidents. Deleted navigator registration and pre licensing requirements for individuals and organizations. Deleted full-time home office salaried employee information from individual license requirements.
Texas Requirements for Agents Offering Windstorm and Hail
For Residents and Nonresidents 2023 TX S.B. 2232(NS) (Effective 9/1/2023) - INDIVIDUAL NONRESIDENT LICENSE REQUIREMENTS: GENERAL REQUIREMENTS - Added requirements for agents offering windstorm and hail insurance policies issued by the Texas Windstorm Insurance Association.
Texas Fingerprint Service Code Request Requirement
For Residents and Nonresidents 28 TX ADC s 1.504 (Effective 4/16/2023) - Per 2023 TX REG TEXT 632910(NS) - INDIVIDUAL NONRESIDENT LICENSE REQUIREMENTS: FINGERPRINTS - Added fingerprint service code request requirements.28 TX ADC s 1.509 (Effective 4/16/2023) - Per 2023 TX REG TEXT 632910(NS) - INDIVIDUAL NONRESIDENT LICENSE REQUIREMENTS: FINGERPRINTS - a) Revised the entities that may capture fingerprints and fingerprinting process information. b) Deleted option to have fingerprints captured by the "department's examination vendor." c) Deleted information discussing methods for obtaining fingerprint cards. 28 TX ADC s 19.1602 (Effective 4/16/2023) - Per 2023 TX REG TEXT 632911(NS) - DISCOUNT MEDICAL PLAN ORGANIZATIONS: GENERAL REQUIREMENTS - Revised the Department contact information and methods for submitting the registration form.
Texas Proposes Amendments to Licensees with Criminal History
The Texas Department of Insurance proposes amending 28 TAC §1.502, concerning licensing persons with criminal history. These amendments update the section for consistency with Occupations Code §§53.021, 53.022, and 53.023, amended by House Bill 1342, 86th Legislature, 2019. See attachment for full details.
Texas DOI Potential Amendments and Repeals
Texas has proposed several amendments and repeals to the Texas Administrative Code’s Licensing and Regulation of Insurance Professionals Chapter
Texas Department of Insurance Requests Info for the HelpInsure Website
The Texas Department of Insurance (TDI) requests for information to help the HelpInsure site. This site is a resource for consumers in TX that are looking to purchase personal auto or residential property insurance. Responses are due by July 22, 2022.
Texas Releases Bulletin on Uvalde School Shooting and Health Benefit Plan Guidance
On May 27, 2022, a disaster declaration was issued in response to the Robb Elementary School shooting and tragedy. In response, the governor authorized the use of all available state and local government resources to cope with the disaster. The Texas Department of Insurance encourages health benefit plans to consider covering and reimbursing for mental health services and authorize payment to pharmacies for up to a 90-day supply of prescription medications regardless of last fill date.
Texas 2021 Disallowed Expenses Data Call
A mandatory "disallowed expenses" data call for the 2021 calendar year was issued by Texas. This call applies to licensed companies that wrote premium for: fire, allied lines, private crop, farm owners multiple peril, homeowners multiple peril, commercial multiple peril, inland marine, medical malpractice, other general liability, products liability, private passenger automobile, commercial automobile, fidelity, or surety. The document must be filled out and returned by July 8.
Texas Issues Data Call in Catastrophe Area
This announcement is applicable to companies writing commercial property or business owners insurance in Texas.
FAQs
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How Do I Get an Insurance License in Texas?
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How Do I Get a State Adjuster License in Texas?
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How do I renew my insurance license in Texas?
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How do I renew my nonresident insurance license in Texas?
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How Do I renew My Non-Resident Adjuster License in Texas?
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How Do I Renew My Adjuster License In Texas?