Texas Insurance Licensing State Requirements
On this page you will find all of the state-specific information for Insurance Licensing in the state of Texas. This information pertains to resident license applicants. For additional information for resident licensing, or for nonresident license information, please refer to the Texas Department of Insurance website at https://www.tdi.texas.gov/. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.
Texas Department of Insurance
1601 Congress Avenue
Austin, TX 78701
PO Box 12030
Austin, TX 78711-2030
Phone: 512-676-6000 or 800-578-4677
Website: https://www.tdi.texas.gov/
Email: License@tdi.state.tx.us
How to Get Your Texas Insurance License
1. Complete an Insurance Prelicensing Course
Prelicensing Education Hour Requirements
Producer
- The state of Texas does not require prelicensing education unless an applicant desires a temporary 90-day license. A temporary 90-day license can be applied for (applies to General Lines—Life, Accident & Health and General Lines—Property & Casualty) which allows the individual to be licensed before passing an examination and receiving the permanent license.
- Although prelicensing education is not required, due to the difficulty and nature of these exams, Kaplan highly recommends enrolling in a study course.
Adjuster
- Texas Property & Casualty Adjuster: 40 Hours
- Texas All-Lines Adjuster: 40 Hours
Temporary licensees must have a sponsoring licensed insurance company, agency, or agent, and must complete 40 hours of prelicensing education no later than the 14th day after the date of their temporary license application.
Note: although Kaplan offers prelicensing study packages for the Texas Property & Casualty Adjuster license, we do not offer any such packages for the Texas Worker's Compensation Adjuster license.
Acceptable Methods of Education
- Classroom
- Self-study
- Online
Adjuster Online Course Requirements
- Forced progression: This requires the user to successfully complete each page of the online course before being allowed to proceed to the next.
- Proctor: In order for a certificate of completion to be earned and issued, the three hours timed certification exam for the Texas Property & Casualty Adjuster course must be monitored by a disinterested third party (an individual who is (A) not related to a student by blood, adoption, or marriage as a parent, child, grandparent, sibling, niece, nephew, aunt, uncle, or first cousin; or (B) not an employee or subordinate of the student).
Kaplan’s Adjuster License course includes the state certification exam. The exam must be proctored by a disinterested third party (an individual who is (A) not related to a student by blood, adoption, or marriage as a parent, child, grandparent, sibling, niece, nephew, aunt, uncle, or first cousin; or (B) not an employee or subordinate of the student).
If you are taking the Kaplan online course and successfully pass the proctored certification exam, Kaplan will email you the Certificate of Completion that you may save for your records and print. You will need to mail the Certificate of Completion, along with your fingerprint receipt, Texas Adjuster Application (obtained from the Texas Department of Insurance website), and a $50 fee to the Texas DOI.
Prelicensing Education Exemptions
Applicants who are exempt from the examination must submit documentation which clearly shows the applicant’s name and date the designation was conferred along with their license application.
- Applicants who hold the CLU® designation are exempt from the General Lines—Life, Accident and Health exam.
- Applicants who hold the CPCU® designation are exempt from the General Lines—Property and Casualty exam.
Note: Applicants must submit their license application within 12 months of passing the exam or they will be required to retake the exam.
Adjuster License Requirements
The Texas Department of Insurance requires staff and independent adjusters to take a state-approved 40-hour live class or online course offered by an approved education provider. The candidate must also pass a state certification exam administered by the education provider or the states testing administrator.
Kaplan’s Adjuster License course includes the state certification exam. The exam must be proctored by a disinterested third party (an individual who is (A) not related to a student by blood, adoption, or marriage as a parent, child, grandparent, sibling, niece, nephew, aunt, uncle, or first cousin; or (B) not an employee or subordinate of the student). Texas also requires that a Prelicensing Self-Study Course Affidavit form (included with your online course) be completed and submitted to the education provider.
Effective 2/1/2022, the successful passing of your Texas Adjuster exam is reported to the state. In order to report your education, we must have your date of birth and the last 4 of your social security number on your account at the time of course completion. Per the state's requirements, we cannot issue a certificate of completion to you until your education is reported. Your education completion will be reported to the state within 30 days from completion date (pending your required information is present on your account).
If you are taking the Kaplan online course and successfully pass the certification exam Kaplan will email you the Certificate of Completion that you may save for your records and print. You will need to mail the Certificate of Completion along with your fingerprint receipt, Texas Adjuster Application (obtained from the Texas Department of Insurance website), and a $50 fee to the Texas DOI.
Fingerprinting will be available at most test sites through the fingerprint vendor IdentoGO
Student Complaint Policy
Students must address their concerns about this school or any of its educational programs by following the grievance process outlined in the school’s catalog. Schools are responsible for ensuring and documenting that all students have received a copy of the school’s grievance procedures and for describing these procedures in the school’s published catalog. If, as a student, you were not provided with this information, please inform school management.
- This school has a Certificate of Approval from the Texas Workforce Commission (TWC).
- The TWC-assigned school number is: S0184.
- The school’s programs are approved by TWC.
Students dissatisfied with this school’s response to their complaint or who are not able to file a complaint with the school can file a formal complaint with TWC, as well as with other relevant agencies or accreditors, if applicable. Information
on filing a complaint with TWC can be found on TWC’s website at www.texasworkforce.org/careerschoolstudents.
2. Pass Your Texas Licensing Exam
3. Get Fingerprinted
4. Apply for a Texas Insurance License
5. Plan to Complete Required Insurance Continuing Education (CE) Credits
Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan.
Learn how to renew a Texas insurance license by clicking here.
Notice:
Kaplan's dedicated administrative staff works diligently to ensure your learning experience is as engaging as it is effective. Meet the team by clicking here.
This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.
Cancellation & Refund Policy for SYNCHRONOUS, LIVE ONLINE CLASSES
Cancellation Policy
Refund Policy
- Refund computations will be based on scheduled course time of class attendance through the last date of attendance. Leaves of absence, suspensions and school holidays will not be counted as part of the scheduled class attendance.
- The effective date of termination for refund purposes will be the earliest of the following:
- The last day of attendance, if the student is terminated by the school;
- The date of receipt of written notice from the student; or
- Ten school days following the last date of attendance.
- If tuition and fees are collected in advance of entrance, and if after expiration of the 72 hour cancellation privilege the student does not enter school, not more than $100 in any administrative fees charged shall be retained by the school for the entire residence program or synchronous distance education course.
- If a student enters a residence or synchronous distance education program and withdraws or is otherwise terminated after the cancellation period, the school or college may retain not more than $100 in any administrative fees charged for the entire program. The minimum refund of the remaining tuition and fees will be the pro rata portion of tuition, fees, and other charges that the number of hours remaining in the portion of the course or program for which the student has been charged after the effective date of termination bears to the total number of hours in the portion of the course or program for which the student has been charged, except that a student may not collect a refund if the student has completed 75 percent or more of the total number of hours in the portion of the program for which the student has been charged on the effective date of termination.
- Refunds for items of extra expense to the student, such as books, tools, or other supplies are to be handled separately from refund of tuition and other academic fees. The student will not be required to purchase instructional supplies, books
and tools until such time as these materials are required.
Once these materials are purchased, no refund will be made. For full refunds, the school can withhold costs for these types of items from the refund as long as they were necessary for the portion of the program attended and separately stated in the enrollment agreement. Any such items not required for the portion of the program attended must be included in the refund. - A student who withdraws for a reason unrelated to the student’s academic status after the 75 percent completion mark and requests a grade at the time of withdrawal shall be given a grade of “incomplete” and permitted to re-enroll in the course or program during the 12-month period following the date the student withdrew without payment of additional tuition for that portion of the course or program.
- A full refund of all tuition and fees is due and refundable in each of the following cases:
- An enrollee is not accepted by the school;
- If the course of instruction is discontinued by the school and this prevents the student from completing the course; or
- If the student's enrollment was procured as a result of any misrepresentation in advertising, promotional materials of the school, or representations by the owner or representatives of the school.
Refund Policy For Students Called To Active Military Service
- A student of the school or college who withdraws from the school or college as a result of the student being called to active duty in a military service of the United States or the Texas National Guard may elect one of the following options for each
program in which the student is enrolled:
- If tuition and fees are collected in advance of the withdrawal, a pro rata refund of any tuition, fees, or other charges paid by the student for the program and a cancellation of any unpaid tuition, fees, or other charges owed by the student for the portion of the program the student does not complete following withdrawal;
- A grade of incomplete with the designation "withdrawn-military" for the courses in the program, other than courses for which the student has previously received a grade on the student's transcript, and the right to re-enroll in the program, or a substantially equivalent program if that program is no longer available, not later than the first anniversary of the date the student is discharged from active military duty without payment of additional tuition, fees, or other charges for the program other than any previously unpaid balance of the original tuition, fees, and charges for books for the program; or
- The assignment of an appropriate final grade or credit for the courses in the program, but only if the instructor or instructors of the program determine that the student has:
- satisfactorily completed at least 90 percent of the required coursework for the program; and
- demonstrated sufficient mastery of the program material to receive credit for completing the program.
- The payment of refunds will be totally completed such that the refund instrument has been negotiated or credited into the proper account(s), within 60 days after the effective date of termination.
Cancellation & Refund Policy for ASYNCHRONOUS DISTANCE EDUCATION COURSES
Cancellation Policy
Refund Policy
- Refund computations will be based on the number of lessons in the program
- The effective date of termination for refund purposes will be the earliest of the following:
- the date of notification to the student if the student is terminated;
- the date of receipt of written notice from the student; or
- the end of the third calendar month following the month in which the student’s last lesson assignment was received unless notification has been received from the student that he wishes to remain enrolled
- If tuition and fees are collected before any lessons have been completed, and if, after expiration of the 72-hour cancellation privilege, the student fails to begin the program, not more than $50 shall be retained by the school.
- If the student who enters an asynchronous distance education course terminates or withdraws after the expiration of the 72-hour cancellation privilege, the school may retain $50 of the tuition and fees and the minimum refund policy must provide that the student will be refunded the pro rata portion of the remaining tuition, fees, and other charges that the number of lessons completed and serviced by the school or college bears to the total number of lessons in the program.
- A full refund of all tuition and fees is due in each of the following cases:
- an enrollee is not accepted by the school
- if the program of instruction is discontinued by the school and this prevents the student from completing the program; or
- if the student’s enrollment was procured as a result of any misrepresentation in advertising, promotional materials of the school, or misrepresentations by the owner or representatives of the school.
Refund Policy For Students Called To Active Military Service
- A student of the school or college who withdraws from the school or college as a result of the student being called to active duty in a military service of the United States or the Texas National Guard may elect one of the following options for each
program in which the student is enrolled:
- if tuition and fees are collected in advance of the withdrawal, a pro rata refund of any tuition, fees, or other charges paid by the student for the program and a cancellation of any unpaid tuition, fees, or other charges owed by the student for the portion of the program the student does not complete following withdrawal;
- a grade of incomplete with the designation "withdrawn-military" for the courses in the program, other than courses for which the student has previously received a grade on the student's transcript, and the right to re-enroll in the program, or a substantially equivalent program if that program is no longer available, not later than the first anniversary of the date the student is discharged from active military duty without payment of additional tuition, fees, or other charges for the program other than any previously unpaid balance of the original tuition, fees, and charges for books for the program; or
- the assignment of an appropriate final grade or credit for the courses in the program, but only if the instructor or instructors of the program determine that the student has:
- satisfactorily completed at least 90 percent of the required coursework for the program; and
- demonstrated sufficient mastery of the program material to receive credit for completing the program.
- Refunds will be totally consummated within 60 days after the effective date of termination.