Texas-specific licensing steps
In Texas, you must first complete a state‑approved pre‑licensing course, then pass the Texas Department of Insurance (TDI) life insurance exam, and finally submit an online application with a background check and fee.
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Pre‑licensing education
Enroll in a TDI‑approved 20‑hour course covering Texas insurance statutes, ethics, and policy fundamentals. The course can be taken online or in a classroom, and you'll receive a certificate of completion that you'll upload with your application.
Passing the exam
The exam is administered by Pearson VUE, consists of 100 multiple‑choice questions, and you have 2.5 hours to finish. A score of 70% or higher is required. Study guides and practice tests focus on Texas‑specific regulations, mortality tables, and policy provisions.
Application and background check
After passing, log into the TDI licensing portal, fill out the Life Insurance License Application (Form LIC‑001), attach your course certificate, and pay the $55 filing fee. You'll also authorize a fingerprint‑based background check; any criminal convictions must be disclosed.
Continuing education and renewal
Texas licenses renew every two years. To stay active, complete 24 hours of continuing education (CE) before renewal, including 2 hours of ethics. Submit the CE credits through the TDI portal and pay the $35 renewal fee.
Key timelines and costs
| Step | Typical Timeframe | Cost (USD) |
|---|---|---|
| Pre‑licensing course | 1–2 weeks | $150‑$250 |
| Exam registration | Immediately after course | $45 |
| Application filing | Within 30 days of passing | $55 |
| Background check | Same day as filing | Included |
| Renewal (every 2 yrs) | Bi‑annual | $35 + CE fees |