Texas insurance CE and renewal
Texas Insurance CE Renewal Requirements and License Renewal Checklist
Texas resident licensees must finish required CE before the license expiration deadline. Most major licenses require 24 hours, but some limited categories use a 10-hour requirement and funeral prearrangement has no CE requirement.
Texas at a glance
Short answers first. Open a detail only when you need the source-backed nuance.
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General lines Life, Accident and Health, General lines Property and Casualty, Life Agent, Personal Lines, Managing General Agent, Adjuster, and Public Adjuster licenses generally require 24 hours every 2 years.
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3 hours must be ethics.
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County Mutual, Life under $25,000, and Limited Lines licenses generally require 10 hours, including 3 ethics hours.
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TDI guidance requires at least half of the hours to be classroom or classroom equivalent.
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CE must be completed before midnight Central Time on the license expiration date.
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TDI gives deficient licensees 90 days after expiration to complete missing hours and assesses a fine of $50 per deficient hour.
Renewal checklist
- Confirm whether your Texas license category requires 24 hours, 10 hours, or no CE.
- Complete the required ethics hours and classroom-equivalent portion.
- Check your transcript before the expiration date, not after.
- Finish all CE before midnight Central Time on the expiration date.
- Resolve any deficiency quickly to avoid compounding renewal problems.
Common mistakes to avoid
- Using the 24-hour rule for every license category when some limited licenses require 10 hours.
- Missing the classroom-equivalent allocation.
- Treating the 90-day deficiency period as a normal extension; it comes with fines and risk.
Course planning
Use this Texas CE guide to match your license category to the right renewal-hour requirement. Find TSI National insurance courses and exam-prep options.
Official sources used
- Texas Department of Insurance CE home page
- Texas Department of Insurance general lines renewal guidance
- Texas Department of Insurance agent and adjuster licensing
This guide is a practical summary, not legal advice. State insurance departments can change forms, fees, vendors, and rules. Always confirm the current requirement with the department or testing vendor before you apply, renew, or schedule an exam.