FAQ

Texas Insurance License Requirements – Life, Property & Casualty

on this page you will find all the state specific information for insurance licensing in the state of texas. this information refers to applicants for residence licenses. For additional resident license information, or for nonresident license information, see the Texas Department of Insurance website at https://www.tdi.texas.gov/. information is subject to change and we will do our best to make the process of completing the educational requirements for licensing as simple as possible.

texas department of insurance

license division mc 107-1a333 guadalupe austin, tx 78701p.o. box 149104austin, tx 78714-9104phone: 512-676-6000 or 800-578-4677website: https://www.tdi.texas.gov/email: [email protected]

Reading: How to obtain insurance license in texas

how to get your texas insurance license

1. complete an insurance pre-licensing course

texas requires those seeking an insurance license to complete the pre-licensing before taking the state licensing exam. prelicensing courses with kaplan give you the best chance of passing – our pass rates are among the highest in the industry.

Pre-licensing education hour requirements

producer

  • the state of texas does not require pre-licensing education unless the applicant wants a 90-day temporary license. A 90-day temporary license can be applied for (applies to General Lines: Life, Accident & Health and General Lines: Property & Casualty) which allows the person to obtain the license before passing an exam and receiving the permanent license.
  • Although pre-licensing education is not required, due to the difficulty and nature of these exams, Kaplan recommends enrolling in a course of study.
  • adjuster

    • texas adjuster (property and casualty): 40 hours
    • texas adjuster worker’s comp): 40 hours
    • Temporary license holders must have a sponsoring licensed insurance company, agency, or agent, and must complete 40 hours of pre-licensing education no later than the 14th day after the date of their temporary license application.

      note: although kaplan offers pre-licensing study packages for the property & accident adjuster license, we do not offer any such package for the texas workers compensation adjuster license.

      acceptable methods of education

      • classroom
      • self-learning
      • online
      • live class requirements

        in-class exam: in texas, a graded in-class exam is given in texas & classes for loss adjusters to assess your readiness for the state exam. the test must pass 70% or better 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 the exam within five days of the class (you do not need to complete the exam to get a temporary license).

        owned by texas & loss adjuster class:

        Students are certified to apply for a state license upon successful completion of the final exam given and scored 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 self-study time.

        texas workers compensation live class:

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

        note: kaplan does not offer live classes related to the texas workers’ compensation adjuster license.

        online course requirements

        • Forced Progression – This requires the user to successfully complete each page of the online course before being allowed to continue to the next.
        • Supervisor: To obtain and issue a certificate of completion, the three-hour timed certification exam for property & the loss adjuster course must be supervised by a disinterested third party (a person who is (a) not related to a student by blood, adoption, or marriage as a parent, child, grandparent, brother, niece, nephew, aunt, uncle, or cousin sibling, or (b) is 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 (a) is not related to a student by blood, adoption, or marriage as a parent, child, grandparent, brother, niece, nephew, aunt, uncle, or first cousin; or ( b) is not an employee or subordinate of the student). You will need to mail the certificate of completion, along with the fingerprint receipt, the texas adjuster application (obtained from the texas department of insurance website), and a $50 fee to the texas doi.
        • pre-licensing education exemptions

          Applicants who are exempt from the exam must submit documentation that clearly shows the applicant’s name and the date the designation was granted with their license application.

          • Applicants holding the clu® designation are exempt from the general lines—life, accident, and health screening.
          • Applicants who have the CPCU® designation are exempt from the General Lines: Property & Casualty Examination.
          • 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 state 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 (a) is not related to a student by blood, adoption, or marriage as a parent, child, grandparent, brother, niece, nephew, aunt, uncle, or first cousin; or ( b) is not an employee or subordinate of the student). texas also requires a pre-licensing self-study course affidavit form to be completed (included with your online course) and submitted to the education provider.

            See also: How much does liability car insurance cost per month

            As of 02/01/2022, the state is being notified of the successful passing of your texas adjuster exam. 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 you complete the course. Per state requirements, we cannot issue you a certificate of completion until your education is reported. your education completion will be reported to the state within 30 days of the completion date (pending the required information is present in your account).

            If you are taking the kaplan online course and successfully pass the certification exam, kaplan will email you a certificate of completion which you can keep for your records and print. you will need to mail the certificate of completion along with the fingerprint receipt, the texas adjuster application (obtained from the texas department of insurance website), and a $50 fee to the texas doi.

            fingerprints will be available at most test sites through the identogo fingerprint provider

            student complaint policy

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

            • This school has a certificate of approval from the Texas Workforce Commission (twc).
            • the school number assigned by twc is: s0184.
            • school programs are twc approved.
            • Students who are dissatisfied with this school’s response to their complaint or who are unable to file a complaint with the school may file a formal complaint with twc, as well as other relevant agencies or accreditors, if applicable. Information on how to file a complaint with twc can be found on the twc website at www.texasworkforce.org/careerschoolstudents.

              2. pass your texas license exam

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

              certificate of completion requirements

              Insurance Adjusters: Applicants who qualify for an adjuster license by completing a course approved by the texas department of insurance (tdi) within the 12 months prior to filing an application must submit the application to tdi tdi license card (including application fee) along with the course completion certificate. (See “Appraiser’s License” above for additional information.)

              exam provider: pearson vue

              texas will begin offering remote proctored state exams. For most major lines of insurance agents, you have a new option when you take a certification exam. now you can take an online exam at your home or office. an external monitor will use your computer’s webcam and microphone to monitor you. It is currently available for general life and health lines, general property and casualty lines, personal property and casualty lines, and life agent exams. For more information or to schedule an exam appointment, visit https://home.pearsonvue.com/tx/insurance.

              Frequently Asked Questions about the Texas Licensing Exam

              After completing my pre-licensing, how should I prepare for test day?

              test preparation

              walk-in exams are not available. Online bookings are the most efficient way for candidates to schedule their exam. candidates should go to www.pearsonvue.com/tx/insurance to make an online exam reservation. new users must create an account. The candidate will need to complete all required fields, which are preceded by an asterisk (*), on the online form to create an ID and be assigned a password. step-by-step instructions will guide the candidate through the rest of the exam booking process.

              Candidates must make an online reservation at least twenty-four (24) hours in advance of their desired exam date. Candidates wishing to make a telephone reservation at (888) 754-7667 must do so at least twenty-four (24) hours prior to their desired exam date.

              Before making a reservation, candidates must have the following:

              • legal name
              • address
              • social security number
              • daytime phone number
              • date of birth
              • the name of the exams
              • preferred exam date and test center location
              • test day

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

                ID required

                Candidate must present two (2) forms of current firm identification. the name on the ID must exactly match the name on the record. the primary ID must be government issued, bear a photo with a signature, and the secondary ID must contain a valid signature. identification must be in English.

                primary identification (photo and signature, not expired)

                • government issued driver’s license
                • us state driver license department
                • us learners 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 identification (signature, not expired)

                  • united states social security card
                  • debit card (ATM) or credit card
                  • any form of identification in the main list
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                    If the submitted identification 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 or secondary identification 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 to renew the ID, the ID is considered expired.

                    How is the exam?

                    security procedures

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

                    • No personal items are allowed in the testing room. personal items include but are not limited to:
                      • cell phones, handheld 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 writer, for people with mobility or vision problems who cannot read or write on their own. 10 Test accommodations are individualized and considered on a case-by-case basis.
                      • Calculators are only allowed if they are silent, portable, non-printing and without an alphabetic keyboard. financial calculators are not allowed. calculator malfunction is not a reason to question test results or request additional test time. note: calculators are not provided by test center staff.
                      • Candidates must store all personal items in a secure area as directed by the administrator, or return items to their vehicle. all electronic devices must be turned off before being stored in a locker.
                      • The test center is not responsible for lost, stolen, or misplaced personal items.
                      • You are not allowed to study in the test center. No visitors, children, family members, or friends are allowed in the testing center.
                      • Dictionaries, books, documents (including scratch paper), and reference materials are not permitted in the exam room (unless permitted by the exam sponsor), and candidates are strongly discouraged from bringing such materials to the test center.
                      • Upon entering and sitting in the testing room, the test administrator will provide the candidate with note-taking or calculation materials and any other items specified by the exam sponsor. The candidate may not write on these items before the exam begins or remove them from the exam room.
                      • It is forbidden to eat, drink or chew gum, smoke and/or make noises that disturb other candidates during the exam.
                      • break policies are set 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 takes a break.
                        • Candidates must leave the testing room during all breaks. however, candidates may not leave the floor or building for any reason during this time, unless specified by the administrator and exam sponsor. If a candidate is found to have left the floor or building, they will not be allowed to proceed with the exam and may forfeit their exam fees.
                        • While taking a break, candidates can access personal items that are stored during the exam only if needed, for example, personal medications that need to be taken at a specific time. however, a candidate must receive administrator permission before accessing personal items that have been stored.
                        • Candidates are not allowed access to other items, including but not limited to cell phones, test notes, and study guides, unless specifically permitted by the test sponsor.
                        • any candidate found to be causing a disturbance of any kind or engaging in any kind of misconduct, giving or receiving aid; use notes, books, or other aids; take part in an act of identity theft; or remove test materials or notes from the test room—you will be summarily removed from the test and reported to the state licensing agency.
                        • Decisions regarding disciplinary action are the responsibility of the state licensing agency.
                        • exam format

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

                          many of the exams will contain “previous” questions. Pretest questions are questions about which statistical information is collected for use in constructing future exams. answers to pretest questions do not affect a candidate’s score. pretest questions are mixed with graded questions and are not identified.

                          exam evaluation

                          the texas insurance department (in conjunction with pearson vue) established the passing score for an exam after completing an exhaustive study for each exam. raw scores are converted to scaled scores that can range from 0 to 100. the scaled score reported to you is not the number of questions you answered correctly or 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 candidates answered correctly. the exam score is not based on each part separately, but on each exam as a whole.

                          score report

                          Candidates will leave the test center with their official scores in hand. a candidate who failed can schedule 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?

                          3. obtain fingerprints

                          4. apply for a texas insurance license

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

                          after passing the exam, apply for your license by submitting an application electronically through nipr (www.nipr.com).

                          it will be assigned an npn. This unique identifier is assigned through the license application process and is used to track individuals and business entities nationwide. many states use the npn to replace a producer’s license number.

                          5. plan to complete required insurance continuing education (ce) credits

                          All insurance producers must comply with the ce requirements of their home state. Stay on top of your CE and ahead of the competition with 365 days of unlimited access to courses 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 that your learning experience is as engaging as it is effective. Meet the team by clicking here.

                          This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to ensure that this information is current and accurate; however, kaplan financial education is not in the business of rendering legal or professional advice and is not responsible for any inaccuracies contained in this document.

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