Key Takeaways

  • Texas P&C insurance licenses are valid for 2 years and must be renewed before expiration
  • Renewal requires 24 hours of continuing education, including 2 hours of ethics
  • Licenses not renewed within 1 year of expiration require retaking the state exam
  • Address changes must be reported to TDI within 30 days
  • TDI can discipline licensees including suspension, revocation, or fines up to $25,000 per violation
Last updated: January 2026

License Maintenance and Continuing Education

Texas P&C insurance licenses require ongoing maintenance through continuing education and timely renewal.

License Terms and Renewal

ItemRequirement
License Term2 years
Renewal Fee$50
Late Renewal (up to 90 days)$50 + $50 late fee
Expired 90 days - 1 yearMay reinstate with CE and fees
Expired Over 1 YearMust retake exam

Continuing Education Requirements

Texas requires 24 hours of continuing education (CE) every 2 years:

CE Requirements

RequirementHours
Total CE Hours24
Ethics (required)2
Electives22
CE Period2 years (matches license term)

First Renewal Requirement

For the first license renewal only:

  • Must complete 24 hours CE
  • Includes 2 hours ethics
  • Must be completed before expiration

CE Course Requirements

  • Must be completed at TDI-approved providers
  • Online and classroom options available
  • Cannot repeat same course within 2-year period
  • CE must be completed BEFORE license expiration

Reporting Requirements

Texas producers must notify TDI of changes within 30 days:

  • Change of business address
  • Change of residence address
  • Change of name
  • Administrative actions by other states
  • Criminal charges or convictions

Disciplinary Actions

TDI can take disciplinary action against licensees for violations:

Types of Discipline

ActionDescription
Warning LetterMinor first offense
ProbationLicense continues with conditions
SuspensionTemporary loss of license
RevocationPermanent loss of license
FineUp to $25,000 per violation
RestitutionPayment to harmed parties

Common P&C Violations

  • Misrepresentation of policy terms or coverage
  • Twisting (replacing policies for commission)
  • Rebating (offering unauthorized inducements)
  • Unfair claims practices
  • Commingling of funds
  • Failure to maintain CE requirements

License Status Types

StatusMeaning
ActiveLicense current and in good standing
InactiveNot actively practicing
ExpiredLicense term ended, not renewed
SuspendedTemporary disciplinary action
RevokedLicense permanently cancelled

Appointing Companies

P&C agents must be appointed by insurers to sell their products:

  • Appointment Required: Within 15 days of first transaction
  • Appointment Fee: $10 per company
  • Termination Reporting: Insurers must report terminations to TDI within 30 days
  • For Cause Terminations: May trigger TDI investigation

Exam Tip: Texas allows 15 days after the first transaction to complete company appointment, unlike states requiring appointment before selling.

Test Your Knowledge

How many hours of continuing education does Texas require for P&C license renewal?

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Test Your Knowledge

What is the maximum fine TDI can impose per violation for P&C insurance violations?

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