Who Issues Life Insurance Licenses in Texas?

Who Issues Life Insurance Licenses in Texas?

The Texas Department of Insurance (TDI) is the sole authority that issues, renews and regulates life insurance licenses in Texas. Whether an individual wants to sell policies as an agent or broker, or a firm wants to operate as a surplus lines broker or adjuster, TDI's Department of Insurance regulates the process through its agent licensing system. No other state or local body issues these credentials.

Types of Life Insurance Licenses in Texas

TDI distinguishes between several license types tied to the kind of insurance and the role the holder plays. The most common categories for life insurance activity include:

• Life Agent License — authorizes the holder to solicit and sell individual or group life insurance policies and related riders.
• Life and Health Agent License — combines life and health authority on a single credential, the most common path for agents selling life products alongside health coverage.
• Surplus Lines Broker License — required when placing life insurance with non-admitted carriers, typically for unusual or high-risk cases.
• Adjuster License — for professionals who investigate and settle life insurance claims on behalf of insurers or policyholders.
• Firm License — required for agencies and companies that transact insurance, including those placing life business through surplus lines.

How to Apply for a Texas Life Insurance License

Applicants must go through TDI's online licensing portal, complete pre-licensing education, pass the state exam, and satisfy background and fingerprint requirements. The steps are:

Continuing Education and License Renewal

Texas life insurance licenses must be renewed periodically, and holders must complete continuing education credits that include ethics and state-specific content. TDI sets the renewal cycle, fee amounts, and the exact CE hour requirements. Failing to renew on time or complete the mandated education results in lapse or suspension of the license.

Verifying a Texas Life Insurance License

Consumers and businesses can verify whether a professional or firm holds a valid life insurance license in Texas through TDI's public license lookup tool. The search confirms the license type, effective dates, status, and any disciplinary actions. Always confirm credentials before purchasing a policy or engaging an agent or broker.

Key Contact and Resources

For official forms, fee schedules, and guidance on the application process, the primary resource is the Texas Department of Insurance. TDI provides detailed licensing manuals, FAQs, and contact channels for agents, brokers, surplus lines firms, and adjusters seeking life insurance authority in Texas.