Key Takeaways
- Texas insurance licenses are valid for 2 years and require 24 hours of CE for renewal
- First-time renewals require 24 hours including 2 hours of ethics and 1 hour of TDI rules
- Subsequent renewals require 24 hours including 2 hours of ethics
- Address changes must be reported to TDI within 30 days
- Licenses not renewed within 90 days of expiration require re-examination
Last updated: January 2026
License Maintenance and Continuing Education
Texas insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
| Item | Requirement |
|---|---|
| License Term | 2 years |
| Renewal Fee | $50 |
| Late Renewal | Additional penalty |
| Expired 90+ Days | Must retake exam |
Continuing Education Requirements
Texas requires 24 hours of continuing education (CE) every 2 years:
First Renewal Requirements
| Category | Hours |
|---|---|
| Ethics | 2 |
| TDI Rules | 1 |
| General CE | 21 |
| Total | 24 |
Subsequent Renewals
| Category | Hours |
|---|---|
| Ethics | 2 |
| General CE | 22 |
| Total | 24 |
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
Exam Tip: Texas requires 24 hours of CE with 2 hours of ethics. First-time renewals also need 1 hour of TDI rules.
Renewal Process
- Complete CE before expiration date
- Submit renewal through TDI online system
- Pay renewal fee ($50)
- Receive renewed license
Late Renewal Consequences
| Timing | Consequence |
|---|---|
| Before expiration | Normal renewal |
| 1-90 days late | Penalty fee, cannot practice |
| Over 90 days late | Must retake licensing exam |
Grace Period
Texas provides a 90-day grace period after expiration:
- License is expired but can be renewed
- Cannot practice during this period
- Additional penalties apply
- Must still complete CE requirements
Reporting Requirements
Texas producers must notify TDI of changes within 30 days:
- Change of business address
- Change of residence address
- Change of name
- Change of email address
- Administrative actions by other states
- Criminal charges or convictions
Failure to Report
Failure to report changes within 30 days can result in:
- Administrative penalties
- License suspension
- Fines
Disciplinary Actions
TDI can take disciplinary action for violations:
Types of Discipline
| Action | Description |
|---|---|
| Letter of Reprimand | Written warning |
| Probation | License continues with conditions |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
| Fine | Monetary penalty |
| Restitution | Payment to harmed parties |
Common Violations
- Misrepresentation to clients
- Failure to disclose material information
- Mishandling of premiums
- Unauthorized transactions
- Failure to maintain CE requirements
- Felony conviction
Test Your Knowledge
How many hours of continuing education does Texas require for license renewal?
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Test Your Knowledge
What happens if a Texas insurance license expires and is not renewed within 90 days?
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