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
| Item | Requirement |
|---|---|
| License Term | 2 years |
| Renewal Fee | $50 |
| Late Renewal (up to 90 days) | $50 + $50 late fee |
| Expired 90 days - 1 year | May reinstate with CE and fees |
| Expired Over 1 Year | Must retake exam |
Continuing Education Requirements
Texas requires 24 hours of continuing education (CE) every 2 years:
CE Requirements
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 |
| Ethics (required) | 2 |
| Electives | 22 |
| CE Period | 2 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
| Action | Description |
|---|---|
| Warning Letter | Minor first offense |
| Probation | License continues with conditions |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
| Fine | Up to $25,000 per violation |
| Restitution | Payment 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
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively practicing |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License 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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