This is another informative and eye-opening session on life insurance licenses in Texas.
By the end of today’s reading, you’ll know what it takes to have a life insurance license in Texas.
The article will cover the following topics:
For more information, please read more!
How to get Insurance License in Texas
Before taking the Texas insurance license exam, persons pursuing different types of insurance licenses in Texas must undergo pre-licensing.
It is one of the education requirements.
Producer Pre-licensing Education Hour Requirements.
Unless an applicant wants a temporary three-month insurance license, Texas does not need an insurance pre-licensing course.
Fill out an insurance application and complete your pre-licensing education course
A temporary three-month insurance license applies to General Lines — Life, Accident & Health and General Lines— Property & Casualty and can be sought for, allowing the applicant to be licensed before successfully passing the test and acquiring the permanent license, which is different from limited lines.
Market Adjuster License
Temporary licensees should be sponsored by a licensed insurance company, agency, or agent.
They must accomplish forty hours of pre-licensing instruction by the 14th day following the time of your temporary license application.
- Online course
Suitable Educational Techniques
In the Texas Workers Compensation and Texas Property & Casualty Insurance Adjuster programs, an in-class graded test is given to determine your readiness for the state licensing exam.
For you to get a completion certificate, the exam must be passed with a score of 70% or above.
Texas Property & Casualty Insurance agent class
After passing the final test, which is delivered and assessed on the last day of class, students are qualified to apply for a state of Texas license.
In addition to the live class time, the applicant must complete ten hours of self-study and submit the live class teaching with a self-study statement verifying this.
The candidate must first attempt all needed education hours, including self-study time, in order to be qualified to sit for the class final insurance exam in a testing center.
The three-hour scheduled Texas insurance exam for the Texas Property & Casualty insurance agent course must be supervised by a line of authority.
Insurance agent license requirements
Staff and independent Texas insurance agents must complete a state-authorized forty-hour live class.
According to the Texas Department of Insurance license, you must take an online course from an approved educational institution.
A state certification exam offered by the school provider or the state licensing test administrator is also required from the candidate.
This enables you to save money, decrease compliance risk, and expedite time-to-revenue.
You must submit the completion certificate to the Texas Department of Insurance, along with your electronic fingerprinting receipt, Texas insurance license application, and a $50 fee.
IdentoGO, a fingerprinting vendor, will be accessible at most testing facilities for fingerprinting.
Obtaining a Texas Insurance License by passing the exam
You must excel in a state licensing test after finishing the mandatory pre-licensing course.
The pre-licensing coursework from Kaplan is directly based on the Texas insurance licenses examinations, ensuring that you pass the first time.
Requirements for a Certificate of Completion
Insurance Agents: Candidates who meet the requirements for an Insurance agent license by finalizing a Texas Department of Insurance approved course within the previous 12 months must send the TDI license application along with the course completion certificate.
Pearson VUE is the exam provider.
The state of Texas will begin giving proctored state tests through the internet.
When you take a licensing exam for the major insurance agent lines, you now have a new alternative.
You may now take an online exam from the convenience of your own home or workplace.
An off-site monitor will observe you using your computer’s webcam and microphones.
Examinations in General Lines Life and Health Insurance, General Lines Property and Casualty, Personal Lines Property and Casualty, in addition to Life insurance agent, are now available on the website at https://home.pearsonvue.com/tx/insurance.
The most effective option for applicants to arrange their exams is to do it online.
Applicants must create an online appointment for an examination at www.pearsonvue.com/tx/insurance.
Users using the site for the first time must register an account.
To establish an ID and receive a password.
The candidate must complete all mandatory fields on the online form.
The rest of the test reservation procedure will be guided by step-by-step instructions.
You have at least twenty-four hours before the chosen examination day to make an online reservation.
Applicants must schedule an examination online reservation:
- Legal name
- Number to call during the day
- Social Security number
- The date and location of the exam center
- The title of the test
- Year born
To finish registration, applicants should arrive at the test center at least thirty minutes before the test starts.
When a candidate leaves the exam center, they will be given an official score report.
Ensure that you have completed the exam fees before the exam day.
Identification is necessary for a Texas life Insurance License
The applicant must present two pieces of authentic signature identification.
The name on the ID must be identical to the one on the registration.
The primary identity must be government-issued, photo-enabled, and have a legitimate signature, while the secondary identification must also have a valid signature.
It is required that all identification be written in English.
Suppose the ID supplied has an embedded signature that is not visible or is difficult or hard to read.
In that case, the applicant must show an alternative form of identification that has a visible signature from the Primary ID or Secondary ID list.
Grace periods are not recognized by Pearson VUE.
Each mainline examination is divided into two sections and is administered in a multiple-choice format.
The general part covers the fundamentals of insurance policies.
The state section covers Texas-specific insurance state laws, regulations, and practices.
The exam grade is based on the entire exam, not on each component individually.
There will be pretest questions on several of the exams.
Pretest questions are those on which statistical data is gathered to be used in the creation of future tests.
The candidate’s score is unaffected by their answers to the pretest questions.
Pretest questions are not identifiable and are jumbled in with the graded questions.
Evaluation of the Exam
After completing your content outline for your candidate handbook and performing your exam, the Texas Department of Insurance, in collaboration with Pearson VUE, will determine the passing grade.
Scaled scores, which can range from 0 to 100, are created from raw scores.
You will not be given a scaled score depending on the number of questions you properly answered or the proportion of questions you successfully answered.
With a passing grade of 70, any score below that reflects how close the applicant got to passing rather than the percentage of questions successfully answered.
The exam score is based on the entire exam, not on each component individually.
Reporting of Scores
Applicants will get their official exam results when they leave the testing site.
A failed applicant can arrange a fresh exam within one day, and there is no limitation to the number of times a candidate can take the same test.
Obtain a Fingerprint Unless the candidate has already forwarded fingerprints to Texas Department Insurance for another license type or registration and that license or registration is still operative.
All Texas resident applicants and all nonresident public life insurance agent applicants should submit fingerprints as part of the license application.
Applicants requesting a fingerprint exemption under 28 TAC 1. 504(b) must include details on the kind of license application or Texas Department Insurance file in which the fingerprints were presented, as well as the date the fingerprints were submitted to Texas Department Insurance.
In line with relevant legislation, fingerprints given for an application will be utilized for background checks with the Texas Department of Public Safety as well as the Federal Bureau of Investigation.
If you are asked to provide fingerprints, your application will not be completed until TDI gets your Texas Department of Public Safety and the Federal Bureau of Investigation criminal history reports.
All candidates are highly encouraged to use the computerized fingerprinting procedure by TDI.
Electronic fingerprinting is quick and precise, and it may help you avoid application processing delays in most circumstances.
The majority of persons who register for a license must first receive a fingerprint background check from IdentoGO and then submit a copy of the IdentoGO receipt indicating that their fingerprints were handed on to the Texas Department of Public Safety.
Some persons can request a waiver from having their fingerprints taken.
If you pass the following criteria, you do not require a fingerprint background check:
If you reside in Texas and you have:
- A current license or registration with
- Previously submitted fingerprints,
You do not require a fingerprint background check, or if you do not reside in Texas but send one of the following with your application:
- Your state’s law enforcement agency’s criminal history record.
- Your state’s current Certificate of Good Standing.
Fill out an application for a Texas insurance license
You’re ready to register for a life & health insurance license once you’ve completed your state licensing test.
Annuities insurance contracts guarantee a set amount of money for the rest of a person’s life or a set period.
Register for your license by presenting an electronic application through NIPR after completing the exam.
An NPN will be issued to you.
This one-of-a-kind identity is issued throughout the license application procedure and is used to trace persons and companies across the country.
Plan to get a required insurance Continuing Education
Every Texas Department of insurance Agents must follow their own state’s continuing education standards.
When you join a Continuing Education, you can get unrestricted course access, so you can stay on top of your CE and remain ahead of the competition.
With all this information, this is how to become an insurance agent in Texas.
Texas Department of Insurance
Licensing Division MC 107-1A
Austin, TX 78701
P.o. Box 149104
Austin, TX 78714-9104
Phone: 512-676-6000 or 800-578-4677
This article contains all of the state-specific insurance licensing information for the state of Texas.
This information is for residents and non-residents who are applying for a life Texas insurance license.
Please visit the Texas Department of Insurance license website at https://www.tdi.texas.gov/ for more details about resident licenses or non-resident licenses.