If you're looking to become a licensed insurance agent in Texas, you'll need to enroll in a pre-licensing course. These courses are designed to prepare you for the licensing exam and cover the topics you'll need to know to succeed in the industry.
The number of hours required for pre-licensing education varies by license type, with 60 hours required for the Property and Casualty (P&C) license and 60-120 hours for other licenses. The courses typically include topics such as insurance law, ethics, and risk management.
Insurance schools in Texas offer a range of pre-licensing courses, including online and classroom options. Some popular schools include Kaplan Financial Education and The National Alliance for Insurance Education & Research.
To maintain your license, you'll need to complete continuing education (CE) courses every two years. The CE requirements vary by license type, with 24 hours required for P&C licenses and 24-30 hours for other licenses.
Obtaining a License
To get your Texas insurance license, you'll need to follow these steps. First, you must submit your license application within 12 months of passing the exam, or you'll be required to retake the exam.
You can enroll in a state-approved pre-licensing course, such as those offered by 2021 Training, to prepare for the exam. To apply for your license, you'll need to go through the Texas Department of Insurance.
The Texas Department of Insurance requires applicants to be at least 18 years old and submit fingerprints as part of the license application. You'll also need to apply for licensure within 12 months from receiving a passing grade on the examination.
Applicants for the All Lines Adjusters License who hold the Chartered Property Casualty Underwriter (CPCU) or Associate in Claims (AIC) designations are exempt from taking the licensing exam. You can also qualify for the All Lines Adjuster License by successfully completing a state-approved course within 12 months prior to submitting an application.
Here are the general requirements to keep in mind:
- Age: 18 years old
- Fingerprints: Required as part of the license application
- Exam: Must be taken within 12 months of passing, or retake the exam
- Pre-licensing course: Not required, but recommended for better chances of passing the exam
- Designations: CPCU or AIC designations exempt from taking the licensing exam
Pre-Licensing and Licensing
To become a licensed insurance adjuster in Texas, you must enroll in a state-approved pre-licensing course, pass the state exam, and apply for your license through the Texas Department of Insurance.
You have 12 months to submit your license application after passing the exam, or you'll need to retake the exam. The Texas Workforce Commission (TWC) assigns a school number, S0184, to approved schools like the one mentioned in Example 1.
To determine which pre-licensing course is right for you, consider the type of license you're aiming for. For example, the Texas All-Lines Pre-Licensing Course is a 32-hour online course that covers the essential aspects of insurance adjusting, excluding workers' compensation claims.
Here's a summary of the required steps to become a licensed insurance adjuster in Texas:
- Enroll in a state-approved pre-licensing course
- Pass the state exam
- Apply for your license through the Texas Department of Insurance
Note that some applicants may be exempt from taking the licensing exam, such as those holding the Chartered Property Casualty Underwriter (CPCU) or Associate in Claims (AIC) designations.
All-Lines Pre-Licensing
To become a licensed insurance adjuster in Texas, you'll need to complete a state-approved pre-licensing course.
The Texas All-Lines Pre-Licensing course is a 32-Hour Online Course with 8 hours of homework, and it's required for anyone who wants to work as an insurance adjuster in Texas. This course will equip you with the knowledge and skills to handle a wide range of claims, excluding workers' compensation claims.
You can take this course online, and it includes 24/7 access to the course materials, a downloadable study guide, practice exams, and a state-approved exam. The course is designed to meet the education and testing standards set by the Texas Department of Insurance.
If you're a resident of a state that grants reciprocity, you can still take this course and use your Texas All-Lines Adjuster credentials to apply for your adjuster license in your home state.
Here are the key facts about the Texas All-Lines Pre-Licensing course:
- 32-Hour Online Course with 8 hours of homework (State Mandated)
- 24/7 Access to the Course
- Downloadable Study Guide (PDF)
- Practice Exams
- State Approved Exam – No other exam is required
By completing this course, you'll be well on your way to becoming a licensed insurance adjuster in Texas.
24 Life & Health Package
The 24 Life & Health Package is a comprehensive course designed to meet the 9/30 requirement of 3 hours of ethics. It provides all 24 hours of CE needed to renew your license.
This course is approved to meet both your Self-Study and Classroom Equivalent requirements, making it a convenient option for those who need to satisfy both CE General and Ethics credits for both Insurance Producers and Adjusters.
The course includes a mandatory ethics class, as well as 21 hours of continuing education content. It's a great option for those who need to meet their CE requirements quickly and efficiently.
Here are the details of the course:
The 24 Life & Health Package is a great option for those who need to meet their CE requirements quickly and efficiently.
Licensing Requirements
To get your Texas insurance license, you'll need to meet certain requirements. You must be at least 18 years old to apply.
Applicants are not required to be sponsored to pursue their license, giving you the freedom to choose your own path. However, you will need to submit fingerprints as part of the license application.
You'll also need to apply for licensure within 12 months from receiving a passing grade on the exam. This is a hard deadline, so be sure to plan accordingly. If you don't apply within this timeframe, you'll need to retake the exam.
Here are the key licensing requirements:
Note that some designations, such as the Chartered Property Casualty Underwriter (CPCU) or Associate in Claims (AIC), may exempt you from taking the licensing exam. Be sure to check the specific requirements for your desired license.
Training and Education
If you're planning to become a licensed insurance agent in Texas, you'll need to complete specific training requirements. For instance, if you want to sell annuities, you'll need to take a 4-hour Annuity Best Interest certification course starting from January 1, 2022.
To sell long-term care (LTC) partnership policies, you'll need to hold a current life, accident, and health license and complete an initial 8-hour LTC partnership certification course. You'll also need to complete 4 hours of TDI-certified LTC training during each subsequent renewal period.
Here are some popular training courses for insurance agents in Texas:
- Texas Live Online Life & Health Insurance Pre-Licensing Exam Prep
- Texas Live Online Property & Casualty Insurance Pre-Licensing Exam Prep
- Texas All-Lines Adjuster Pre-Licensing Online Course
Note that some courses, like the Texas 24 Hour Life & Health Package, can provide all 24 hours of CE needed to renew your license, including the mandatory ethics class.
Best-Selling Training
If you're looking for top-notch training courses, you're in luck! Texas Live Online Life & Health Insurance Pre-Licensing Exam Prep is a best-seller, helping students prepare for their exams with ease.
This course, along with Texas Live Online Property & Casualty Insurance Pre-Licensing Exam Prep, is a great starting point for anyone looking to get licensed in Texas.
For those who need a refresher, Texas Life & Health Insurance Exam Prep Online Course is a great option, offering comprehensive coverage of key concepts and principles.
If you're looking for a more in-depth review, Texas Property & Casualty Insurance Exam Prep Online Course is another excellent choice.
For those who need to meet their continuing education requirements, Texas 24 Hour Life & Health Package (Classroom Equivalent) is a great option, providing all 24 hours of CE needed to renew your license.
Here are some of the top-selling training courses:
With courses like these, you'll be well on your way to getting licensed and meeting your continuing education requirements!
Other
Online courses can be a great way to learn new skills and get certified, but they often require self-motivation and discipline.
Many online courses are designed to be flexible and can be completed at your own pace, which can be beneficial for those with busy schedules.
However, research shows that only 1 in 5 online learners complete their courses, highlighting the importance of setting goals and creating a study plan.
The key to success is often finding a course that resonates with you and aligning it with your career goals.
By doing so, you'll be more likely to stay motivated and engaged throughout the learning process.
Online communities and forums can also be a valuable resource for support and guidance, providing a space to connect with others who share similar interests and goals.
Smart Start Package
The Smart Start Package is a great way to kickstart your career as an insurance adjuster in Texas. It's a bundle of courses designed to give you a solid foundation in the insurance industry.
The Texas Smart Start Package includes the Texas All-Lines Pre-Licensing Course, Xactimate Training Course, and Practical Adjusting Course, providing a comprehensive foundation for new adjusters. This package is carefully crafted to save you money while addressing the critical aspects of your budding career.
With the Smart Start Package, you'll gain practical insights into the art of adjusting claims effectively and master the industry-standard software for damage estimating. You'll also get a solid understanding of the insurance industry in Texas.
Here's a breakdown of what you'll get in the Smart Start Package:
- Texas All-Lines Pre-Licensing Course: Your essential foundation for understanding the insurance industry in Texas.
- Xactimate Training Course: Master the industry-standard software for damage estimating.
- Practical Adjusting Course: Gain practical insights into the art of adjusting claims effectively.
This package is perfect for those who aim to become top-notch insurance adjusters in Texas.
3 Ethics
In many states, producers must complete at least three hours of ethics training to renew their licenses.
This training is a response to a substantial increase in complaints and producer concerns about ethics and morality in the insurance industry.
The course covers various topics, including ethics versus morals and ethics in practice.
It also teaches ethical decision-making models that illustrate how to solve ethical dilemmas.
The course provides examples of poor ethical choices and the legal enforcement of ethics.
The terminology used in ethics, such as tort law and equity, is also discussed.
This training helps producers make proper ethical decisions and avoid legal issues.
Some states require this training as part of a producer's educational requirements in each licensing period.
12 Life & Health
If you're looking to become a licensed insurance producer in Texas, you'll need to complete a 12-hour Life & Health review course. This type of course is designed to review key concepts and principles of Life & Health insurance.
There are several options available, including the Texas 12 Hour Life & Health Review (Classroom Equivalent) course, which includes 3 hours of ethics and 9 hours of continuing education content. This course is approved for 12 hours of CE and will satisfy your 24 hours CE requirement.
Alternatively, you can take the Texas 12 Hour Life & Health Review (Self Study) course, which covers topics such as uses of life insurance, types of life insurance, policy provisions, health insurance fundamentals, and medical plans.
Here are some specific courses that can help you meet your 12-hour Life & Health review requirement:
Remember, earning a Life & Health license qualifies you to explain, sell, and write life and health insurance products in the state of Texas.
Long-Term Care Ongoing
In Texas, you need to complete the 8 hour Long-Term Care Initial Certification to start selling Long Term Care Insurance.
This certification course covers the underwriting process, policy costs, and alternatives to long term care insurance. You'll learn all you need to know to start selling these policies at your own pace.
The Texas 4 Hour Long-Term Care Ongoing CE course is designed for producers who need to renew their Long-Term Care Certification to continue selling LTC Insurance.
Product Training
If you're planning to sell annuities in Texas, you'll need to take an approved 4-hour Annuity Best Interest certification course starting on January 1, 2022.
If you previously completed an approved 4-hour Annuity Suitability certification course, you can take an approved 1-hour Annuity Best Interest certification course to fulfill this requirement.
To sell long-term care (LTC) partnership policies, you must hold a current life, accident, and health license and complete a one-time, eight-hour LTC partnership certification course.
You can count the eight hours of LTC training towards your continuing education requirement for that renewal period.
Here are some specific training requirements for different insurance products in Texas:
You must complete 8 hours of annuity CE during every 2-year renewal period, and the 4-hour Annuity Best Interest course does not count towards this CE requirement.
Frequently Asked Questions
How long does it take to get an insurance license in Texas?
In Texas, it takes 3-5 weeks for the Department of Insurance to process an insurance license application. The processing time may vary depending on your preparation and the type of license you're applying for.
How much can you make with insurance license Texas?
In Texas, insurance license holders can earn between $39,600 (25th percentile) and $90,800 (75th percentile) annually. Salary ranges vary, but licensed agents in Texas can expect a decent income.
Sources
- https://www.kaplanfinancial.com/insurance/texas/state-requirements
- https://adjust-u.com/available-courses/texas-adjusting-pre-licensing-course/
- https://www.2021training.com/product-category/texas/texas-adjuster-licensing/
- https://www.einsurancetraining.com/texas-insurance-continuing-education
- https://www.abtrainingcenter.com/texas-insurance-licensing
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