How To Become An Insurance Agent In Texas

Getting your Texas insurance license is the first step to becoming an insurance agent in Texas. Whether you’re interested in selling property and casualty insurance, life insurance, health insurance, or any combination of those lines of authority, this article has the information you need to get started.

The Texas Department of Insurance has a 6-step process for getting your insurance license. We’ll walk you through step-by-step; from the license application to insurance test prep, to the Texas insurance exam, and beyond.

This guide has everything you need to know to get your Texas insurance license quickly and easily.

How To Get Your Texas Insurance License

Getting your insurance license in Texas is easy! Just follow our step-by-step guide. Be sure to bookmark this page so that you can visit it again throughout this process.

Step 1. Which Insurance Licenses Do You Need?

The first step to getting your insurance license is choosing which licenses you need. The most common licenses new insurance agents get are the property & casualty license (P&C), and life and health insurance license (L&H).

The types of insurance products and policies you’ll be selling will determine which licenses you need. Here are some examples of the types of policies you can market with each license:

  • Property and Casualty Insurance License – Auto Insurance, Home Insurance, Business Insurance, etc…
  • Life and Health Insurance License – Life Insurance, Annuities, Medicare, Health Insurance, etc…

Most insurance agents and producers choose to get both P&C and L&H licenses, but if you plan on specializing in only one category then you don’t need every license.

Insurance adjusters require a separate license. You can find more information on becoming an insurance adjuster here: Texas Insurance Adjuster License

Note:

If you plan on specializing as a life insurance agent, then you may also need to hold a certain FINRA securities license.

Step 2. Texas Insurance Pre-License Education

After you’ve determined which licenses you need, it’s time to begin studying for the Texas insurance exams.

Texas does not require you to take a certain amount of pre-license credits before testing. This means that studying for your exam is 100% up to you.

Most folks choose to take an insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. Others purchase books or other self-study tools to prepare themselves.

It’s wise to take a week or so to dedicate to your study for this exam. If you don’t feel as though you’re a strong test taker, take a little longer, but don’t let it drag out for long. We want you to pass your test the first time you take it, and we know that you can do it.

Step 3. Texas Insurance License Exam

The next step after completing all of your pre-license coursework or self-study is to take the insurance exam.

You will take one exam for each line of insurance you wish to carry. Life & Health and Property & Casualty lines are two combined lines in Texas, so you will take two exams if you wish to attain all of these lines of authority: Property, Casualty, Life, Accident, Health.

This is a proctored test, which means that you will be in a controlled environment with a person watching over you. People who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves before sitting for the exam. One great way to get some experience with insurance testing is taking an insurance practice exam.

The fee for each attempt at the exams is $43 (one exam per combined line of authority). When you show up you must have a photo ID and any other documents that the testing facility has asked you to bring.

The Life, Accident & Health exam and the Property & Casualty exams consist of one hundred thirty (130) questions. There are no limits on attempts at each exam per year, but once you pass, you must apply for the license within twelve (12) months or retake the test.

Here is a copy of the exam content outline for all the insurance lines that are being offered in Texas.

We will quote Pearson Vue’s Texas Department of Insurance Licensing Candidate Handbook to explain scoring:

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.

Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.

Looking for a guide to passing the insurance exam? Check out our in-depth article: How To Pass The Insurance Exam

Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.

Tip:

StateRequirement recommends that you study for one exam at a time, then after passing, start on your next line. The exams are difficult enough on their own without confusing information from one line to another.

Check out our review of the ExamFX Insurance Course.

You may register to take your exams and find more information on the Pearson Vue Texas web page.

Step 4. Fingerprinting And Background Check

The State of Texas requires that all insurance license applications provide fingerprints before licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. For more information on this topic, call the Texas Department of Insurance at 512-676-6500 or email the Insurance Department.

To set up a fingerprinting appointment, go to the IdentoGO website or call (888) 467-2080. Use service code 11G6QF when making your appointment. Your fingerprints will be sent electronically to the DPS and the FBI.

The fee for fingerprinting services is $39.70.

At your fingerprinting appointment, you’ll receive a receipt. Don’t throw it away! Keep the original receipt for your records and attach a copy to the license application you send to the TDI.

Step 5. Texas Insurance License Application

Once you have completed your exams and fingerprinting, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.

You must apply online by using Sircon or the National Insurance Producer Registry. The fee for an online application is $50 per line plus a small transaction fee.

Be sure to include the fingerprint receipt from IdentoGO.

Step 6. Application Review

Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

If everything is to acceptable standards your license should be issued within 3-5 weeks. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.

Once the review has been completed, you should receive an email from the state regarding the status of your license.

One thought on “How To Become An Insurance Agent In Texas

  • May 6, 2022 at 5:37 am
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