What happens if I miss my Texas CE deadline?

You have a 90-day grace period to complete the deficient hours. You must also pay a $50 fine for every hour missed. If you fail to complete the hours and pay the fine within 90 days, your license will be inactivated.

How many ethics hours are required for Texas agents?

Most license types require 3 hours of ethics within the 24-hour renewal cycle. Limited Lines Agents (County Mutual, Life Under $25k) also require 3 ethics hours within their 10-hour cycle.

Does all CE count toward renewal?

No. At least half of your required CE hours must be classroom or classroom-equivalent instruction. Self-study alone may not satisfy the full requirement.

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.

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Texas at a glance

Short answers first. Open a detail only when you need the source-backed nuance.

Major licenses24 hrs

Details

Most Texas major-line producer and adjuster licenses require 24 CE hours every two years.

Ethics3 ethics

Details

At least 3 hours must be certified ethics hours.

Limited licenses10 hrs

Details

County mutual, life under ,000, and limited-lines categories generally require 10 hours, including ethics.

Classroom equivalentHalf classroom

Details

At least half of the CE hours must be classroom or classroom equivalent.

DeadlineMidnight CT

Details

TDI requires CE completion before midnight Central Time on the license expiration date.

Finish target30 days early

Details

TDI recommends finishing continuing education at least 30 days before expiration.

Deficiency fine50 per hour

Details

TDI assesses a 50 dollar fine for each deficient CE hour when a licensee misses the requirement.

Deficiency window90 days

Details

Texas gives deficient licensees 90 days after expiration to complete missing hours before a new application may be required.

Renewal checklist

Confirm whether your Texas license category follows the 24-hour or 10-hour CE rule.
Include 3 ethics hours and the classroom-equivalent allocation.
Finish CE at least 30 days before expiration when possible.
Check transcript status before midnight Central Time on the expiration date.
Treat the 90-day deficiency period as a penalty window, not a normal extension.

Common mistakes to avoid

Using the 24-hour rule for limited license categories that use the 10-hour track.
Missing the classroom-equivalent requirement even when total hours are complete.
Letting a deficiency trigger per-hour fines that could have been avoided with earlier transcript checks.

Course planning

Use this Texas CE guide to match your license category to the right renewal-hour requirement before choosing courses. Find TSI National insurance courses and exam-prep options.

Official sources used

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.