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How to Become an Insurance Agent in Texas

Texas offers a wide array of insurance licenses. Before beginning the application process candidates should take a moment to understand which license they should seek. Texas offers the following types of insurance licenses:

The state of Texas has many different license types for those looking to become an insurance agent in Texas.  So before you run off to the nearest licensing site, you need to familiarize yourself with the insurance agent license types and insurance specialties offered in the state of Texas.
[box type="info" size="large" style="rounded" border="full"]Interested in becoming an agency owner or producer?  Click here to sign up and get more information regarding agency programs.[/box] License Types

Most Texas Insurance Agents licenses fall into two categories- Property & Casualty (P&C) and Life & Health.  The General Lines – Property and Casualty insurance license will allow your meat and potatoes coverages like auto, home, business insurance or bonds; while the General Lines- Life, Accident, Health & HMO license deals with life, health, annuities, and other related coverages.

Regardless of which specialty you choose, the General Lines licenses will allow you to represent a larger array of companies and products making it easier for your to eventually become an agency owner.  However, if you wish to take the easier route to becoming and insurance agent in Texas, the additional insurance license types are also available:

  • Life(only) Agent
  • Funeral pre-arrangement Life
  • Life Insurance Not Exceeding $25000
  • Life and Health insurance counselor
  • Personal Lines Property Casualty Agent
  • Insurance Service Representative
  • Managing General Agent
  • Limited Lines – Agent
  • County Mutual
  • Surplus Lines

Beware, each license type has different requirements.  Check with the Texas Department of Insurance for details regarding each license type.

Pre-licensing and Backgrounds

The state of Texas has no pre-licensing educagtion requirement, but it is highly recommended that you attend a local licensing course offered in your area.  After taking a pre-licensing course, you must take the state mandated test offered at Pearson Vue (Prometric is no longer the state-approved exam administrator) .

Upon passing the exam, MorphTrust (formerly L1 Identity) will need to process your fingerprints as part of the FBI criminal background check. They can be contacted here . It is highly recommended that you set an early appointment for your fingerprints because the wait can be a long one.

Texas Insurance Agent Licensing Fees

As of this writing, the fees involved for becoming a licensed insurance agent in Texas are as follows:

  • State Licensing Exam: Fee ranges from $55to $70 depending on type of license
  • Fingerprinting fee is $44.50
  • Licensing application fee $50 per license type, plus a $10.67 fee to fill your application electronically through .

Texas Insurance Licensing and Continuing Education

Generally, the insurance agents’ licensing term is two years from issue.  Agents are required to take 40 hours of continuing education, with an additional 4 hours of an ethics course, before renewing their licenses each two years.



  1. Will someone please email me and let me know where I would get the materials to study for the test and could I take the test online and pay for the license online as well if so could I please be provided with that website. I am wanting to become licensed in P&C and Life and Health…how much would those licenses cost.

    Thank You

    • Hello Tiffany,
      I’ve sent you an email regarding your request. We are looking at web based prelicensing courses to offer online through one our insurance Pro websites. Until then, check out learninsurance, Kaplan financial, and places like that. I will email you when we get our licensing courses up and running.

      • Mr David, please email me a contact. I want to be an insurance agent in Dallas TX. I need some info. Thanks and God Bless

  2. Do Texas agents undergo different process comparing to other agents who acquired their license from another state? Do I need to provide extra requirements for becoming an agent at Texas?

    • The process is simple if you’re already licensed. If an agent is licensed in another state, he should apply for aa non-resident Texas license first. One the non-resident license is obtained, the agent simply needs to notify the state of Texas when they move to Texas. At that point, the Texas Department of Insurance will convert the non-resident license to a resident agent’s license. There is no need to study for tests or anything. To find more information on applying for a non resident Texas agent’s license, I suggest you visit the National Insurance Producer Registry.

  3. Hi David,
    I’m a CSR with a property/casualty license in Oregon. Do you know what the licensing proceedure would be if I moved to Texas? Would I have to retake the exam, etc., or could my Oregon license be amended to a Texas license? Also, the laws have changed nation wide, and now we only need 24 hours of continuing education every 2 years.

  4. I’m seeking to find information in becoming an insurance agent. Please send me any information that you might have. Thank you for your time

    • Gonzalo, thanks for stopping by. I will send you information via email shortly. I’ve added you to the contact lists. In the meantime, feel free to call me at 214-717-4326 x 101. David

  5. I am currently an agent with Farmers Insurance in California, does it transfer to Texas or do I need to take the test for Texas? I will be moving to Austin the first week of January 2012.

  6. Hi,

    I was wondering if someone could comment on what category ‘Marine’ insurance falls under. I’m interested in waterbased vehicles and opportunities therein.

    Thank you in advance,

    • Kyle,

      Thanks for stopping by. Stay tuned. I was just reviewing our numbers from Progressive insurance. There are definitely tremendous opportunities for selling Texas boat, yacht, and personal watercraft insurance.

      Also, people that own watercraft have good underwriting characteristics. As a result, they make great clients. As a former boat and jet ski owner, I agree with and endorse the previous statement.

      TXINSURANCEPRO.COM is authorized to in Texas to sell Progressive Insurance products. We will add that to our site. If you’re looking to get your license, give us a shout. We’ll point to you in the right direction and get you selling insurance and growing your business.

  7. I’ll be working for Mutual of Omaha in Lousiana, living in Texas, and was told upon hiring that when I get my Texas license it will be valid in Lousiana as well. Is this true? Also, will this still mean my total upfront cost is still only licensing application fee, exam fee and fingerprinting fee? Are there no requiremente to prove you passed a class, thus the class is only a recommendation? An emailed reply would be greatly appreciated.

    • Jonathan,

      Sorry for the delay in the response. It’s been busy in the office over the holidays. To answer your question regarding your Texas license, based on my understanding of the insurance industry, your Texas license is only valid for business transacted in the state of Texas. With that said, you can write a life insurance policy on someone that lives in another state as long as you take the application in HOME STATE OF TEXAS.

      Because you live in Texas, but work primarily in Louisiana, I would assume that you’d be required to get a Texas Resident Agent’s license and a Louisiana non-resident agent’s license. That way, you could operate in either state. In that case, you would have the initial expenses for your application, exam, & fingerprinting. After you get your Texas license(s), you can simply apply (and pay) for the Louisiana non-resident’s license online. Those generally take a week to return.

      As far as whether the requirements for passing the class, the state of Texas does not have a prelicensing class requirement. If you can pass the test for the license, you can apply for license. Whether or not you understand and can sell insurance is up to you and your carrier/agency. Each state varies.

  8. Will someone please email me and let me know where I would get the materials to study for the test and could I take the test online and pay for the license online as well if so could I please be provided with that website. I am wanting to become licensed in P&C and Life and Health…how much would those licenses cost.

    • Hello Lee,

      Insurance licensing and study materials can be found online by performing a search for “insurance prelicensing”. You’ll find a number of different company that offer insurance prelicensing materials. The costs range from $99 to $300. As far as getting both general lines property casualty and life health, each test will cost approximately $75. The licensing tests are proctored by Prometric. Upon passing the test, you’ll also need to pay for fingerprinting as well which is $44.50. As for the actual licensing application, that fee is still $50.

      As for where to get your study materials, you can use a number of companies. I am in the process of writing another reviewing the different Texas prelicensing companies online. Feel free to stop back by. As I write contents geared towards helping agents and consumers of all types. In the meantime, type “Texas insurance prelicensing” into the search engine and see what you come up with.

  9. I wonder how can I get started to become a licensed insurance agent in Texas? Which license is more effective? Thanks for your help!

  10. Will someone please email me and let me know where I would get the materials to study for the test and could I take the test online and pay for the license online as well if so could I please be provided with that website. I am wanting to become licensed in P&C and Life and Health…how much would those licenses cost. I’m in Texas.

    Thank You

    Benjamin Ho

    • Ben,

      Unlike the Texas insurance adjusters license, you must take the Texas insurance agent’s licensing exam at a Prometric testing center. As far as Texas Insurance Prelicensing locations, you can probably find lots of different places. Because there’s a big demand for more information on Texas Insurance Prelicensing, I will be writing a blog review on the different options available to insurance agent applicants.

  11. I am wanting to become licensed in P&C and Life and Health.
    Will you email me and let me know where I can get the materials to study for the test, is there a website where i can take the test and pay for it online

  12. Hi David,
    I was told that there is a requirement of holding a bachelor’s degree in order to become a licensed agent. Is this true?

    Thanks for your help,

    • Hello Angela,

      No, the Texas Department of Insurance does not require a college degree as a part of the licensing process. Perhaps your friend was referring to a particular company’s requirements.

      I hope this answers your question!

  13. Hi David,

    So does that apply to a person wanting to become an owner as well?

    Thank You very much

  14. Hi,

    What is the difference between the general property and casualty license versus the personal property and casualty license. Please email me with answer.

    Thank you in advance,

    • Sorry for the delay Evelyn.

      There are two basic divisions in the insurance business. The General Lines property and casualty license refers to the license that allows you to sell and service insurance for things like cars, homes, businesses, general liability, professional liability, and even commercial autos. Underneath the property and casualty umbrella, you can specialize in either personal insurance or commercial insurance. Both have their rewards.

      If you prefer to get the personal lines license, you will be limited with regards to the policy types you can sell and service. That’s why I generally recommend obtaining the general lines license over the personal lines license. There is very little difference in the license requirements and they have identical continuing education requirements.

      Hope this answers your question!

  15. Hello I am trying to get started in the insurance business and the website I am going to be using offers courses Tx P&C and then TX General Lines and TC Limited Lines. My question is do I need to go through all 3 sets or should the TX P&C section of it suffice? Thanks

    • If you want to sell both property and casualty as well as life and health, you’ll need to obtain both license types. As a result, I recommend that you take a prelicensing course. That way you can familiarize yourself with each state test. Personally, I prefer both.

      If you’d like a money back guaranty, we’ve arranged for Texas Insurance Prelicensing Schools to provide you with a test passing guaranty if you go through their online or classroom test prep programs. No other licensing school offers that.

      What part(s) of the insurance industry are you most interested in?

  16. Will having a misdemeanor theft by check charge that was dismissed prevent me from getting my license?

    • Samantha, if you were not convicted of the “theft by check” you should be okay. Please remember to read the licensing application carefully. Question #6 of the Application for Individual Agent License asks the following questions:
      6. Excluding traffic violations and first offense DWI:
      a. Do you have any pending misdemeanor or felony charges…
      b. Have you ever been convicted of any misdemeanor or felony offense
      c. Have you ever had adjudication deferred on any misdemeanor or felony charge or offense in Texas, in any other state or by the federal government
      d. Have you ever served any period of probation for any misdemeanor or felony offense.

      If you answer yes to any of the previous, you will need to submit original court documents. I’ve included a link to the Texas Individual Insurance Agent’s Application. That way you can get the original content directly from the state.

      Hope this helps!
      Good Luck

  17. Thanks David! I actually didn’t have to complete the application. My company sent a fast check form for me to take to Prometric for fingerprints. I had a background check when I was hired which of course, I passed because there wasn’t a conviction. I paid the fine and then it was dismissed. I guess I’m concerned because I’m being fingerprinted and I know the arrest will show up. Just hoping TDI doesn’t deny me because of it.

  18. Question #6 Excluding traffic violations and first offense DWI:
    I had a DWI 7 years ago after that my record has been clean… so i answer those questions No in all of them. yesterday i received a letter from the insurance department stating that my “application is pending and will need additional time to review” did I answer that question right ?? i called them up to get an advised and they only said to me to answer that question the best I could, so I did now i wonder if i did it right or wrong ?!!! what you think will happen?

    • Victor, if you haven’t had more than one DWI, you should be okay. If something comes up on your background, they are automatically sent to special “analyst”. You should expect that to take an extra 30 days if everything is in order. I would also suggest you obtain copies of your court documents showing final court disposition and/or settlement documents. Just in case, you may have to mail or fax that information in order to complete your case. So, you should be okay. Just call TDI and follow up to make sure they don’t need any additional information.

  19. I just got hired to work for an insurance company in Austin. They require me to get my property and casualty license to sell Life Insurance. I earn commission from auto and home sales without the Property license in this company. Is there any reason why I should go ahead and get both?

    • Michael,

      You must be a licensed insurance agent in order to receive commissions from the sale of an insurance policy in the state of Texas.

      Hope this helps.

  20. I recently got hired by Primerica to be an Insurance Broker in Personal and Casualty. I will be taking the licensing exam for P & C. In Primerica, I can get paid for auto and home with just the P & C liscense. Any reason why I should got for both?

    • Absolutely! Having both Texas general lines licenses ensures that you can earn new business and renewal commissions. Besides, you have a license in order to discuss property and casualty insurance with your clients.

      On a different note, when I look for agency owners and producers, I like hiring agents that have their licenses.

  21. My situation is similar to Victor. The form isn’t clear. My case was dismissed so I don’t have a conviction. My HR department submitted my application based on the background check they ran. Everything was NO, but like Victor my app is pending too. David, my question is do you think TDI will deny me based on a dismissed theft by check charge? I’ve already obtained my disposition paperwork and I’m ready to submit it if asked. I called TDI to inquire on how the question should be answered on the form and they couldn’t give me any advice on whether a dismissed charge is considered a conviction. Help, I’m confused!

    • Samantha, It takes time. However, I suggest you take a proactive approach to getting your license. If you know something in your background is delaying your approval, give the state the documentation they need to make a decision. I suggest you start by calling, the Texas Department of Insurance’s help line at 800-252-3439. They will give you the status of your license application. Make sure to ask if they’re missing any addtional information from your licensing application. If licensing requests more information about your background, get it to them as quickly as possible. That way, you can get going and make some moolah!

  22. Hello. I Been studying for my Property and Casualty test I Studied for a month half Did not pass my test. Do you Advise for me to Do a self Study Like I been Doing Or Do a 3 day Class with Kaplan Its $300.00 Just want to know if its worth it.

    Thank you!

    • Andrea, the short answer is yes. You should take a test prep course along with your studies. The course will get you ready to take and pass the licensing exam. If you need an affordable alternative, I suggest you contact John at 855-779-5858. His website is His prelicensing courses come with the guaranty that you will pass your licensing exam the first time. Give him a shout, and good luck!

  23. Hello David and Andrea – I would be happy to help out anyone that visits David’s website with their prelicensing needs. If you would like to attend a classroom course, when you go to my site and register, put “examtexas” in the coupon code box to receive a $30 discount. Our goal is to get you licensed as quick as possible so that you can start your new career and begin making money. Visit me at or give me a call at 469-212-6451.

  24. Hi, to become a insurance agent, the candidate needs to be a legal resident, my cousin have social security number and Texas ID, but he is not legal resident, is requirement that? thanks….

  25. I want to start my own Insurance agency in Texas. Could you guide me on how to start and what are the liabilities involved?

    Thank you

    • Amy,

      Give me a call regarding that. Your expenses could range from as little as $200 per month for professional liabillity into the thousands. All in all, it depends on your contract and the method in which you build your organization. Perhaps, you should give me a call at 214-717-4326.

      Good Luck, and I hope to hear from you.

  26. Hello David,

    I have a misdemeanor theft by check charge,on my record from 2001. the check was for $23.00, I moved closed the account recieved the remaining funds in my account, not knowing this check had not cleared and when they tried to contact me i had moved to a different city, well the check did not catch up to me until 2003, by that time, I was arrested in a traffic stop for having a warrent for the theft by check, I paid the check and fee’s but it shows as a conviction, because i paid for it. I have been waiting on my License and just called and they said it will take about 3 more week because it was in review. Does this mean I will not recieve my License?

    • No Lashonn,

      No. you have the same problem as many people with stuff in their backgrounds. Based on what you’ve explained, it means your approval will take another 3 weeks.

    • Lashonn,
      How did this turn out for you? I am currently waiting on licensing from TDI and have the same thing on my background, and was wondering if they approved or denied your license. Thank you in advance for responding!

      • Hi,

        In cases like Lashonn’s, you should remain patient. Anytime you answer “yes” to the moral turpitude question, it adds time for an “analyst” to review. Hope this helps.

        David Berry

  27. Thank You so much David…
    Have a Bless Day.

  28. I am getting ready to retire from my present industry within the next 15 months. I would like to get into the insurance business, when I retire. I would like to get my license for property and casualty and life before I retire so I can start ASAP . Is it possible to be licensed without being represented by an Ins. Co, and if so how long can the Lic. Be open without being represented?

    • Hello Dieter,

      Yes, it is possible to become an insurance insurance agent in Texas without having carrier appointments. When you’re ready, give me a shout and I can get you started with the best access; regardless of whether you want to write personal lines, commercial admitted lines, life and health, or financial services.

  29. Lashon,

    I have the exact same problem. I know you are worried, because I was. I was just recently approved and I have the exact same charge as you do. Was your case dismissed after you paid the fine? When you pull your background check, does it show dismissed?

  30. Hello,
    I’m a senior in high school, about to graduate. I have had a few thoughts about doin insurance and would like more information someone please email me

    Thank You

  31. Am a great advocate of long term care insurance.  Am currently a real estate agent in Texas and would like to get a health and life license to sell ltc insurance.  Any suggestions where to start?  thank you.

  32. Hi Shirley – You have a couple of different options when it comes to getting your Life and Health insurance license in Texas.

    Your first option would be to attend a live classroom training. We offer a two day class in the DFW area. Our goal is to get a license in your hand as quick as possible by teaching you what is going to be on the state exam and also how to answer the questions.

    If it isn't possible to attend a live class, we offer an online insurance exam prep course. We give you tons of tools to help you be successful. We have videos, flashcards and our online exam simulator.

    With either option, what sets us apart from our competition, is that we guarantee you will pass your exam the first time or we will pay for you to test a second time.

    Let me know if you have any more questions.

  33. what is the difference in the property and Casulaty and the County Mutual licenses? I have County Mutual but I beleive the company i am going to work for preferes the Property- do i have to test all over again?

  34. Hi David,

    I am currently working for an agent as a producer and i am wanting to open my own agency. Do i  need any addition licenses to do so? I already have my business entity, both my General Lines P&C and L&H licenses and business bank account. Besides picking which company i am going to represent (ex. farmers, state farm, allstate, etc), what else would i need?




    • Hello David – It sounds like you have everything you need to get started with your new career. If you would like any help with job placement let us know.

  35. Hello,

    I have really enjoyed reading your posts!  They are filled with an enormous amount of information!  I am also interested in obtaining an insurance license.  I currently hold a Texas adjuster license and work for a mortgage servicing company but am seeking to go a different direction at this point as I am not seeing the results I expected by this time.  I would like to hear your suggestions on becoming an agent that sells and services insurance.



  36. I have worked on an IT Help Desk for 15 years doing various roles. I have decided that I am very tired of contrcat to contract work and it not being a stable enviroment. I have considered Insurance Agent for a couplle of years and I am ready to take the jump. I have applied at many of the firsm seeking " no exp needed" "we will pay for your license" ect type ads however it has been weeks and I havent heard back from any of them. Should I try to get my license on my own?  I have decided to resign my current job asap and am looking to get started somewhere quickly.  Can you advise me the best route for me to go?  Thank you

    • Hello Kimberly – I would definitely suggest taking the initiative to get your license on your own. By doing this, it will open alot more doors when you have it on your resume. At Texas Insurance Training Academy, we offer our courses online as well as in the classroom. Let me know if you have any more questions or advice in the future.

  37. hello every body, i been thinking about obtaining a licence to make auto insurance for my self and family and friends, do you guys that will be possible?

    please let me know 


  38. Hello,

    I have found this site to be extremely informative.  I am interested in becoming an Independent Insurance Agent.  Currently, I am working for a large Funeral provider and have a Funeral Pre-Arrangment Life license but would like to branch out on my own into different types of insurance (P&C and Life& Health).  Besides getting those licenses (which I need to obtain), what would be the best route to take in becoming an Independent Insurance Agent, finding carriers, etc…?




    • Hello Brian,

      Thanks for contact us.  After you get your other license(s), you’ll need to connect with an agency that will assist you in getting appointments.  Insurance carriers like agencies that not only provide appointments and training.  That’s what sets us apart from other agencies.  Not only do we have access to the markets you’ll need to be successful, but we are building and constantly updating the training section with the tools and technology you need to become a better agent.  Along with the insurance market and training resources, we also have the best technology people in the business.  That means you can jump into an agency that knows what it takes to be on page 1 of Google.   There is no other agency in the state of Texas that can say that.  I’ll send you my direct contact information so that once you’ve done your part, we can do the rest and help you get going regardless of whether you want to write, auto, homeowners, business, life & health; or whatever.


      Thanks again for reaching out!

      David Berry

  39. Interested in becoming a insurance agent for auto and homes.please contact me via email or cell for further details . 4698773379.thanks

    • Zakiy, it was good speaking with you regarding becoming an insurance agent today. Remember, being an insurance agent can be quite rewarding. I emailed information regarding John Patton and Since you’re in the Dallas area, you have an advantage over most agents. Give John a call, and I wish you luck on becoming an insurance agent!.

  40. Brian, I am interested in switching careers. I have been in sales for many years and even a few years ago worked for State Farm and was licensed in MO. I would like to become and Independent Agent or even a STate Farm Agent again with an Agency of my own. And I would possibly in the future get my 6 & 63 to work in Annuities and Securities …maybe. But I am very serious about owning my own business I am just not sure what to do after I obtain my license for Property & Casualty and Life & Health. Can you point me in the right direction. I live in the Houston area (Kemah) and I want to stay in that area. Thanks for any help you can provide me.


  41. hi davivd my name is kevin and i’m looking forward to starting a new carrer as insurance agent, im currently in trucking and i want to know what should i do next to start getting a license to become a agent.

  42. I received an email today from a recruiter looking for insurance agents in my area. I currently work in the engineering sector but I am open to making a career change. Is it common to receive emails such as the one that I received from recruiters? The skeptic in me tells me to proceed with caution. The email also mentions a Business Ownership option that sounds appealing but, again, I don’t want to set my expectations too high. Thanks

    • Hi Tony,

      It doesn’t surprise me that you received a phone call from an insurance recruiter. Think of it this way, no one ever grows up and says that he want to be an insurance agent. Instead, we tend to migrate to insurance and find a home in the industry. As far as the “business ownership” question, it’s probably a Farmers or Allstate recruiter if it’s property and casualty. If it’s a life recruiter, it could be virtually anybody.

      Just like other recruiters, if you’ve ever put your resume on one of the major job boards, somebody could have picked it up. Your being an engineer actually uniquely qualifies you because of your specialized knowledge and analytic nature. If you’re ever interested, take a look at it. While it can be a difficult profession, I’ve found being an insurance agent to be quite rewarding. That is.. as long as you get past the first 2 years of being in the business.

      Simply put, if you’re interested industry, hear them out. Insurance recruiters will call anyone because they never know who is going to make the cut. I’d love to get your input after you speak to the insurance recruiter. Perhaps, you can submit a guest blog post. Who knows?

      Hope this helps!

      • Thank you, David.

        I will give them a call and look into it. If it means less travel for me, then that would be great. I have plans to work with the youth in my community and my current job does not give me a dependable schedule at home to make that possible.

    • Greetings!
      -In order to sell in Texas, you’ll need to go to apply for a non-resident Texas license first. Once you receive that you can get started trying to get appointments with carriers. If you move to Texas with an active Texas Non-Resident’s License, you can surrender that license to the state for a resident agent’s license. If you get your licenses in that order, you won’t have to take a test at all. I hope this answer’s your question. By the way, what type of licenses do you have in California? and… Give us a shout if you’re looking for carrier relationships. Good Luck!

  43. Can I become an agent in Texas with a felony on my record?

    • Jessie, the short answer is yes. However, if you have a felony, your approval is not guaranteed. It depends on what reason for the conviction. You’ll have to present supporting documentation, but it’s possible. In fact, I personally know an agent that has a felony in his background. Good Luck.

  44. I want to sell insurance but I need my insurance license how can I do this?

  45. David, I’d rather stay anonymous. Sorry, I’m a professional looking to switch careers. Anyway, I’m concerned because I have a DWI 2nd from 2010. Also, I have a closed case from 2003 from a ‘HOT CHECK’ which I didn’t even remember until I looked up my records. Am I wasting my time trying to proceed with my license, or is just providing supporting documentation for my DWI, 2ND DWI, and the CHECK INCIDENT a non-issue as long as I tell the truth. Also, the hot check was over 10 years ago. Should I mention it? I assume if I find it, they can too, so I hope this isn’t a dumb question. Hope you’re still helping folks out here. I’ve turned things around over the past few years and am gainfully employed. I just have a great opportunity with a close friend and I need my license to proceed in his new business with him. Thank you

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